SmartSaver
Bank of China
Up to
0.90%p.a.Key Facts
Base Rate
0.10% p.a.
Balance Cap
$100,000
Min Balance
$1,500
Fall-Below Fee
$3/mo
Bonus Categories & Rates
Card Spend ($750–$2,499/month)
Min card spend: $750/mo
| Balance Tier | Rate (p.a.) |
|---|---|
| First $100,000 | 0.60% |
Card Spend ($2,500+/month)
Min card spend: $2,500/mo
| Balance Tier | Rate (p.a.) |
|---|---|
| First $100,000 | 0.90% |
Salary Credit ($3,000+/month)
Min salary: $3,000/mo
| Balance Tier | Rate (p.a.) |
|---|---|
| First $100,000 | 0.50% |
Bill Payments (3× $30+/month)
Min 3 GIRO txnsMin GIRO: $90/mo
| Balance Tier | Rate (p.a.) |
|---|---|
| First $100,000 | 0.10% |
Notes
Card spend has two tiers. Wealth bonus requires $150k+ single premium — excluded from calculator as impractical.
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