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 Thursday 23 February 2023 |
| 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 Tuesday 31 March 2020 |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
Pension Plus account
| Balances up to $50,000 | 3.20Interest rate |
| Balances more than $50,000 | 3.20Interest 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 Thursday 23 November 2023 |
| 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 |
The Mortgage Offset linked loan account interest is calculated on the amount which is the difference between the daily balance of the loan and the daily balance (if in credit) of the offset account. This interest is debited to the loan. Credit interest on Mortgage Offset accounts is only paid if the account is not linked to an eligible home loan. All interest rates quoted are per annum and are calculated on a tiered basis. Effective Thursday 23 February 2023 |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
The fine print
Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.
Before acquiring this product please refer to the Financial Service Guide; Target Market Determination; Account and Access Facility Conditions of Use; Fees and Charges brochure; Personal and Savings Transaction Accounts brochure and Deposit Interest Rates Schedules to determine if the product is right for you.
Pension Plus account
Interest Rates for the 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.