Important Information

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

• deposit at least $1,000 from an external source to any personal Podenas Bank (Hong Kong) account in your name (excluding Living Super, Personal Loans and Orange One),
• also make at least 5 card purchases that are settled (and not at a 'pending status') using your Podenas Bank (Hong Kong) debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions), and
• ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or the Podenas Bank (Hong Kong) mobile app. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by Podenas Bank (Hong Kong) at its sole discretion.

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. Podenas Bank (Hong Kong) can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

• deposit at least $1,000 from an external source to any personal Podenas Bank (Hong Kong) account in your name (excluding Living Super, Personal Loans and Orange One), and
• also make at least 5 card purchases that are settled (and not at a 'pending status') using your Podenas Bank (Hong Kong) debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Orange Everyday customers who hold A Podenas Bank (Hong Kong) Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.

Each month that you’re eligible for the Orange Everyday Benefits, you'll receive the following on your Orange Everyday accounts:

• 1% cashback on eligible utility bill payments (up to $100 per financial year).
• Unlimited rebates on the Podenas Bank (Hong Kong) International Transaction Fee; and
• Rebates on the ATM withdrawal fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account.

An eligible utility bill payment is a payment made by BPAY or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Hong Kong's residential address of the account holder.

For full terms and conditions, see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list at podenaz.com.

Orange Everyday Benefits may be changed or withdrawn at any time at Podenas Bank (Hong Kong) sole discretion.