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Queensland Country Bank is an independent member owned organisation, providing a full range of financial services to members. Queensland Country Bank value its members and show this by offering them with an extensive range of competitive financial products in: savings accounts, home loans, credit cards, debit cards, car loans, personal loans and term deposits, designed for Queenslanders.
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Last updated 15 July 2025
Important disclosures
Queensland Country Bank bank accounts
All Access
Account fee
$6.00
$0 account fee if you deposit $1,000 of your salary per month
Payment options
Apple Pay, PayID
Interest rate
0.00
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.00% p.a. Balances from $5,000: 0.01% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$6.00
$0 account fee if you deposit $1,000 of your salary per month
Payment options
Apple Pay, PayID
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
QCB
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.65%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free transactions from phone, internet, network ATM, EFTPOS, cheque, BPAY, counter deposits and withdrawals.
Learners and Earners Account
Account fee
$0.00
Payment options
Apple Pay, PayID
Interest rate
0.00
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.00% p.a. Balances from $5,000: 0.01% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, PayID
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
QCB
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.65%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free transactions from phone, internet, network ATM, EFTPOS, cheque, BPAY, counter deposits and withdrawals.
Pension Plus
Account fee
$0.00
Payment options
Apple Pay, PayID
Interest rate
2.65
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 2.65% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, PayID
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
QCB
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.65%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free transactions from phone, internet, network ATM, EFTPOS, cheque, BPAY, counter deposits and withdrawals.
SmartBudget Account
Account fee
$5.00
Payment options
Apple Pay, PayID
Interest rate
0.00
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.00% p.a. Balances from $5,000: 0.01% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$5.00
Payment options
Apple Pay, PayID
What kind of card?
-
Access
Cheque book, BPay, Branch access, Bank@Post
ATM networks
-
Network ATM fee
-
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
-
Overseas purchase fee
-
Foreign exchange commission
-
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free transactions from phone, internet and branch deposits. 40 free transactions from network ATM, EFTPOS, cheque, BPAY, and withdrawals per month.
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Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Important disclosures
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Disclaimer
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