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Newcastle Permanent · Savings account
LiveSmart Saver Account
Pays 4.50% p.a. total (0.05% base plus 4.45% bonus) as of 17 September 2026. Ranks 74th of 93 savings accounts tracked by BankMate, 0.36 points below the average of 4.86%. The rate last rose on 15 May 2026, 9 days after the RBA raised the cash rate to 4.35%.
4.50%p.a.
0.05% base + 4.45% bonus · variable
Rate over time
Total rate, conditions met- Smart Saver Account
- RBA cash rate
- Market average
Position among 93 accounts
By month, end of month- Mar 2026: ranked 59 of 74
- Apr 2026: ranked 70 of 88
- May 2026: ranked 66 of 91
- June 2026: ranked 72 of 91
- July 2026: ranked 74 of 92
- Aug 2026: ranked 74 of 92
- Sept 2026: ranked 74 of 93
Mar 2026
- Top 5%
- Top 10%
- Top 25%
- Lower
Mostly outside the top half of accounts over the last 7 months: from #66 of 91 in May 2026 to #74 of 92 in July 2026.
Changes
1 on record since 27 Mar 2026- 4.25 → 4.50Bonus rate · 9 days after the RBA rise to 4.35%+0.25
Conditions for the bonus rate
Checked each month- Balance growth
- Required/month
- Withdrawals
- 2/month max
- Age
- 25+ years
On your balance
Saved with your preferences- Interest this year
- —
- Each month
- —
- Against the average account (4.86%)
- —
Rate by balance
$0+
4.50%Notes from savers
to leave a note.