All Access account

Product Interest rate
Balances less than $5,000 0.00
Balances over $5,000 0.01
Interest is calculated on the minimum daily balance and paid monthly. Saturday 1 October 2016
Fee Amount
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

Product Interest rate
Balances less than $5,000 0.00
Balances more than $5,000 0.01
Interest paid monthly and calculated on minimum monthly balance. Rates effective Saturday 1 October 2016
Fee Amount
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

SmartBudget

Product Interest rate
Balances less than $5,000 0.00
Balances over $5,000 0.01
Rates effective Saturday 1 October 2016
Fee Amount
Monthly fee $5

Cash Management account

Product Interest rate
Balances $1 < $5,000 0.10
Balances $5,000 < $10,000 0.10
Balances $10,000 < $20,000 0.40
Balances $20,000 < $50,000 0.65
Balances $50,000 < $100,000 0.65
Balances $100,000 < $250,000 1.40
Balances $250,000 < $500,000 1.40
Balances $500,000+ 1.65
Rates effective from Friday 1 September 2017
Fee Amount
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

Product Interest rate
Balances up to $49,200 1.35
Balances more than $49,200 2.60
Rates effective Wednesday 4 January 2017
Fee Amount
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Mortgage Offset account

Product Interest rate
Balances less than $5,000 0.00
Rates effective from Saturday 1 October 2016

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.