Set your budget for the year ahead
Smooth your expenses into regular payments
Never miss a bill payment
Ever feel like all your bills and expenses arrive at the same time? With the Canstar award winning SmartBudget account, you can smooth these out into easier to manage regular payments.
How does it work?
Sit down with one of our SmartBudget Specialists to create a personal budget (agreement) for the year ahead that handles all your nominated bills and expenses in the one place online.
Then, set up an agreed payment weekly, fortnightly or monthly into your SmartBudget account. Your payments will be spread over 12 months, helping to remove bill stress and assisting you to budget better.
Ease bill shock
No matter which of your nominated bills arrive each month, you only make your regular agreed payments.
Pay bills on time
Regardless of the balance in your account*, your nominated bills can always be paid – with no overdrawn fees or interest charges.
Potentially save money
Take advantage of discounts available for paying bills on time (such as rates), as well as special offers for paying bills annually (like insurance). Plus, you may receive money back at the end of the Agreement if the 10% contingency we add to variable bills isn’t used, or you have over budgeted.
Keep your budget on track
To avoid temptation, you can only spend the money in your SmartBudget account on the bills and expenses nominated in your Agreement.
Set up your regular SmartBudget payments on the same schedule as your pay. That way, you’ll know exactly how much money you have left to spend (or save).
Keep track of your bills
Receive reminders and alerts when bills are coming due and pay them quickly and easily via the online portal or mobile app.
What expenses can be included?
- Insurance such as home and contents, car, health
- Rent or mortgage repayments
- Council rates, electricity, gas and water
- Phone and internet
- Regular loan and credit card repayments
- Car registration
- School fees
- Gym and sporting memberships
- Predicted expenses, such as car and home maintenance, and hair and beauty services
Simplify your bills today!
Read more details in the SmartBudget product brochure.
Make a SmartBudget appointment at your local branch.
How SmartBudget made life easier for Emma
"Without it, we would not have done well."
Rates & Fees
Balances less than $5,000
Balances over $5,000