Back to Rates and fees

Everyday accounts

If you have a transaction or savings account with us that you’re still using, but we no longer sell, you’ll find the rates and fees for your account below.

All rates and fees are subject to change.

Smart Money

An account designed for those under 30.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
30 electronic^
2 other^
Monthly base or account management fee^
-
Credit balance interest rates^
None
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
75 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
-
Electronic transactions^
35 cents
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Ready Money

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
-
Monthly base or account management fee^
$3.50
Credit balance interest rates^
None
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
75 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Fee rebates ranging from $5 to $40 a month^
Electronic transactions^
35 cents
Unarranged overdraft interest rate
n/a
Monthly unarranged overdraft fee^^^
$10

Silver Service

No transaction or monthly account fee if superannuation is directly credited into the account.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
None
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Dynamic Money

An account designed for those under 19.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
1.00%
Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
n/a
Monthly unarranged overdraft fee^^
n/a

MyMoney

FeaturesStandard feesInterest rates (P.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$5
Credit balance interest rates^
-
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Cheque Plus

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
-
Monthly base or account management fee^
$2
Credit balance interest rates^0% ($0+) Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
25 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Fee rebates available10
Electronic transactions^
25 cents
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Premium Main

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$30
Credit balance interest rates^
-
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Part of the Premium Package
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Premium Secondary

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
-
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Part of the Premium Package and to be held in conjunction with a Premium Main Account
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Flexi Money^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
3014
Monthly base or account management fee^
$5
Credit balance interest rates^^ 0% ($0+) Establishment fee ^
$30
Account alerts
No charge
Manual transactions^
$2.50
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Base fee rebate available^
Electronic transactions^
$0.25 - $1
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Ready Money Convenience

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$20
Credit balance interest rates^
0% ($0+)
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
No charge
Special features
Fee rebates available^
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Achiever Savings

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
1
Monthly base or account management fee^
-

Credit balance interest rates^
0.05% (total combined rate $0 - $4,999)
0.05% (total combined rate $5000+)
0% (base rate $0 - $4,999)
0% (base rate $5,000+)
0.05% (bonus rate $0 - $4,999)
0.05% (bonus rate $5,000+)

Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
$2.50
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
Bonus interest
Electronic transactions^
$2.50
Unarranged overdraft interest rate
10.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Personal Call

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
No charges for deposits and withdrawals if transaction amount is $500 or more
Monthly base or account management fee^
None if average monthly balance is $5,000 or more, otherwise $5

Credit balance interest rates^
0% ($0-$499,999.99)  
 +  -%($500,000+)

Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
No charges for deposits and withdrawals if transaction amount is $500 or more,
otherwise $2.50
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
-
Electronic transactions^
No charges for deposits and withdrawals if transaction amount is $500 or more,
otherwise $2.50
Unarranged overdraft interest rate
10.70 + margin*
Monthly unarranged overdraft fee^^^
$10