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

SmartBudget is a clever bill paying and budgeting tool that allows you to set your budget for the year ahead. It removes stress by smoothing out your nominated bills for 12 months and helps you achieve your financial goals and aspirations faster.

Official Banking Partner

Want to know more? Check out our frequently asked questions!

Additional information

The types of bills that people receive that you might like to include in your SmartBudget service include:

  • Insurances home & contents, car, health
  • Council rates
  • Electricity & gas
  • Home phone & mobile
  • Fuel card accounts
  • Pay TV
  • School fees
  • Gym/Sporting memberships


  • Smooth your bills out over the year into weekly, fortnightly or monthly payments
  • Pay your bills online through the online portal available on Internet Banking and the Mobile Banking App
  • If all your bills come at once, we won’t charge interest if your account becomes overdrawn.*
  • $5 monthly account service fee
  • No fees for cheques, BPAY® or direct debits

Rates & Fees

Balances less than $5,000 0.00Interest rate
Balances over $5,000 0.01Interest rate
Rates effective Monday 11 February 2019
Rates effective from Monday 11 February 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.

*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 $5,000 or more at any time.

Click to view 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.