Spend less time on bills
Smooth your bills over 12 months
Online portal to track and pay bills

Managing money can be a little tricky at times. Whether you’re trying to save for a deposit and having trouble balancing your expenses or just trying to maintain a busy lifestyle.

Take the pressure off by tackling those bunch of bills with our award-winning bill paying and budgeting tool SmartBudget. You’ll be able to pass over the stress involved in managing bills to our SmartBudget tool, while you focus on living more of your life. Imagine that.

How does it work?

SmartBudget is our budgeting tool that can take the pressure off tackling the never-ending list of bills. Together with your SmartBudget Specialist, you can create a personal budget that handles all your nominated bills in the one place online. From here you can pass over all the stress that goes along with money management.

SmartBudget can look after:

  • Insurances for contents, car, or health
  • Rent or mortgage repayments
  • Council rates, electricity, gas and water
  • Phone, Internet and paid subscriptions^
  • Gym/Yoga/Sport or Fitness memberships

What Canstar had to say

The independent review and ratings company had this to say about our award-winning SmartBudget tool. 

Canstar’s judges said our SmartBudget tool stood out as being “special”, and were confident it would have a significant positive impact on customers and their lifestyles. They were also particularly impressed by the fact that customers are not charged interest when their SmartBudget account is overdrawn due to the payment of their bills.*

Read more on what Canstar had to say here.


  • No interest charged if your account is overdrawn when a number of bills are withdrawn at once*
  • No fees for BPAY® or direct debits through Queensland Country
  • Control your bills across the year into weekly, fortnightly or monthly payments
  • Manage your bills in real-time with the online portal available on Internet Banking and the Mobile Banking App

How SmartBudget made life easier for Emma

"Without it, we would not have done well."


Rates & Fees

Balances less than $5,000 0.00Interest rate
Balances over $5,000 0.01Interest rate
Interest on the credit balance is calculated on a tiered basis at the minimum monthly balance and paid monthly. Effective Monday 1 April 2019
Monthly fee $5
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The fine print

All interest rates quoted are per annum and are calculated on a tiered basis. Interest on the credit balance of a SmartBudget account is calculated on the minimum monthly balance and paid monthly. Rates are subject to change without notice.

^ Subscriptions can only be included in a SmartBudget agreement if the third-party subscription service provider allows payments via Direct Debit, BPAY® or EFT.

*If the balance in your account is going to be negative in the first eight weeks (i.e. the dollar value of the bills that are due in the first 8 weeks plus the monthly service fee is more than your regular deposits) we will ask you to top-up the difference into your account. Your SmartBudget Account cannot have a debit balance of more than $5,000 at any time.

View the SmartBudget Terms and Conditions.

Download our Fees and Charges brochure for full details.

Before acquiring this product you should read the SmartBudget brochure and the Account and Access Facility Conditions of Use brochure. This information does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice.