According to its official website, Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd and presents itself as a local, 100% customer-owned bank. The site states that the bank was established in April 1899 by a group of Cairns residents as the Cairns Weekly Penny Savings Bank, has had five name changes over its history and, having no external shareholders, is run purely to meet its customers' needs. The bank operates in Cairns, Queensland, and emphasises personal service. It offers personal customers transaction accounts (Everyday, Pensioner), savings accounts (Online Saver, Christmas Saver, Kids Saver), term deposits, home loans (including the government 5% Deposit Scheme), car and personal loans and home insurance, and provides businesses with a business account, an Online Saver and secured overdrafts. Accounts are managed through online banking. The site states that the institution holds AFSL and Australian credit licence 244324. This information is the company's own statement.
Datos de la cuenta
TIPOS DE CUENTATransaction accounts (Everyday, Pensioner) · Savings accounts (Online Saver, Christmas Saver, Kids Saver) · Term deposit · Business account
DEPÓSITO MÍN.Not stated
PLATAFORMASOnline banking
PRODUCTOSTransaction and savings accounts · Term deposits · Home loans · Car and personal loans · Secured overdrafts · Home insurance
Licencias y regulación
ASIC (Australia)
N.º de licenciaAFSL 244324
Titular de la licenciaCAIRNS PENNY SAVINGS & LOANS LIMITED
AlcanceAFS licence held since 2 Feb 2004. According to ASIC's record, authorised to advise on deposit and payment products and to deal in, including issuing, deposit and payment products, general insurance and life risk insurance limited to consumer credit insurance, for retail and wholesale clients.
EstadoVerificada
Fuentes e historial de verificación
Fuentes oficiales de la empresacairnsbank.com.au — homepage, Our history, Term deposits pages, footer (legal information)
Registros del reguladorASIC — CAIRNS PENNY SAVINGS & LOANS LIMITED, AFSL 244324 (AFS licensee dataset, data.gov.au, 7 Oct 2026)
Registro mercantilABN 68 087 933 757 (ABN Lookup)
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
ForexQ.com
