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. Saturday 1 October 2016
Fees
Monthly fee $6 (Free if waiver met) **
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 paid monthly and calculated on minimum monthly balance. Rates effective Saturday 1 October 2016
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

SmartBudget

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
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 0.75Interest rate
Balances $250,000 < $500,000 0.75Interest rate
Balances $500,000+ 1.00Interest rate
Balances $100,000 < $250,000 effective Tuesday 5 November 2019
Balances $250,000 < $500,000 effective Tuesday 5 November 2019
Rates effective from Tuesday 5 November 2019
Fees
Monthly fee $6
Transaction fees Some transaction types are not included in the free transactions. Fees may apply. Fees apply to transactions beyond the free transaction limit.

Pension Plus account

Balances up to $50,000 0.60Interest rate
Balances more than $50,000 1.55Interest rate
Rates effective Tuesday 5 November 2019
Balances more than $50,000 effective Wednesday 4 December 2019
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
Rates effective from Monday 11 February 2019

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.