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First Option Bank · Savings accounts
Smart Start Access Saver
First Option Bank's Smart Start Access Saver is a savings account. The figures are the ones First Option Bank publishes under the Consumer Data Right today. The advertised rate last moved on 2 September 2026, up from 0.05% to 3.25%.
Advertised rate
3.25%
headline tier
Tiers
2
current rate rows
Last moved
+3.20pp
2 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, up to $1,000Smart Start Access Saver_Tier_1 | 0.05% |
| Variable, $1,000 and overSmart Start Access Saver_Tier_2 | 3.25% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| EFTPOS feeper transaction | $0.50 |
| Bank@post wdlper transaction | $3 |
| Membership admin feerecurring | $5 |
| Overseas ATM wdlper transaction | $3.50 |
| Staff assist feeper transaction | $5 |
| Paper stat feerecurring | $2.50 |
Other First Option Bank savings accounts
Kids Bonus Saver 5.50%Savings + Bonus 4.75%Bonus Saver 3.25%Christmas Saver 2.25%Gst/tax Saver 0.50%
Get an email the morning First Option Bank moves this rate.
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