All Access account

Balances less than $5,000 0.00Interest rate
Balances over $5,000 0.01Interest rate
Interest is calculated on the minimum daily balance and paid monthly. Effective Wednesday 1 April 2020
Fees
Monthly fee $6 (Free if waiver met - see details below)**
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Learners and Earners All Access account

Balances less than $5,000 0.00Interest rate
Balances more than $5,000 0.01Interest rate
Interest is calculated on the minimum daily balance and paid monthly. Effective Wednesday 1 April 2020
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

SmartBudget account

Balances less than $5,000 0.00Interest rate
Balances over $5,000 0.01Interest rate
Effective date from Monday 1 April 2019
Fees
Monthly fee $5

Cash Management account

Balances $1 < $5,000 0.00Interest rate
Balances $5,000 < $10,000 0.00Interest rate
Balances $10,000 < $20,000 0.15Interest rate
Balances $20,000 < $50,000 0.15Interest rate
Balances $50,000 < $100,000 0.15Interest rate
Balances $100,000 < $250,000 0.50Interest rate
Balances $250,000 < $500,000 0.50Interest rate
Balances $500,000+ 0.75Interest rate
Interest is calculated on the minimum daily balance on a stepped basis with a different interest rate paid for the portions of your account balance that fall within set dollar ranges (‘steps’). Interest is paid monthly. Effective Wednesday 1 April 2020
Fees
Monthly fee $6** (free if waiver met - see details below)
Transaction fees Some transaction types are not included. Fees may apply.

Pension Plus account

Balances up to $50,000 0.35Interest rate
Balances more than $50,000 1.10Interest rate
Interest is calculated on the minimum daily balance on a stepped basis with a different interest rate paid for the portions of your account balance that fall within set dollar ranges (‘steps’). Interest is paid monthly. Effective Friday 17 July 2020
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Mortgage Offset account

Balances less than $5,000 0.00Interest rate
$5,000 < $500,000+ 0.01Interest rate
All interest rates quoted are per annum and are calculated on a tiered basis. Effective Wednesday 1 April 2020
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

The fine print

Fees and charges may apply. Download our Fees and Charges brochure for full details.

Terms and conditions apply and are available on request.

Pension Plus account and Cash Management account:

Interest Rates for the Cash Management and Pension Plus accounts are calculated on a stepped basis with a different interest rate paid for parts of your account balance that fall within set dollar ranges (‘steps’). All other interest rates quoted are per annum and are calculated on a tiered basis with interest paid on the entire balance at the applicable tiered interest rate. Rates may change at any time without agreement. Fees and charges are payable. Terms and conditions apply and are available on request.