Savings account rates › Unity Bank
Essential Worker Home Loan Offset Account
Unity Bank
CDR officialNot listed in rate tables
Everyday transaction account linked to your eligible mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.00% | Variable | CDR | 1 Nov 2026 |
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S35_ESSENTIAL_WORKER_OFFSET- Content hash
sha256 565fc85cbb900d00cc817b1ba2e2609eac3f5f9178f0ee39f688efa154042bbb- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_565fc85cbb900d00_6b632164Show details
- Checked
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S35_ESSENTIAL_WORKER_OFFSET- Content hash
sha256 565fc85cbb900d00cc817b1ba2e2609eac3f5f9178f0ee39f688efa154042bbb- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| MONTHLY_ACCOUNT_FEE | Periodic | $5.00 |
| EFTPOS_DECLINE_FEE | Transaction | $1.00 |
| ATM_INSUFFICIENT_FUNDS | Transaction | $1.00 |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30.00 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10.00 |
| PAPER_STATEMENT_FEE | Periodic | $2.00 |
| DORMANCY_FEE | Periodic | $20.00 |
| DIRECT_DEBIT_HONOUR_FEE | Payment | $15.00 |
| DIRECT_DEBIT_DISHONOUR_FEE | Transaction | $17.00 |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20.00 |
| EMERGENCY_CASH/CARD_VISA_DEBIT | Replacement | $0.00 |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE | Transaction | $30.00 |
| TELEGRAPHIC_TRANSFER_-_ONLINE | Transaction | $20.00 |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN | Transaction | $50.00 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 | Deposit | $20.00 |
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 | Deposit | $50.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | Our Visa Debit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you would expect from Visa. | |
| Unlimited txns | Unlimited electronic transactions available on your account | |
| Free txns | 9999999 | Unlimited free electronic transactions available on your account |
| Npp payid | Get faster payments between participating banks, anytime with Pay ID | |
| Npp enabled | ||
| Offset | ||
| Other | Must be linked to eligible mortgage product. | |
| Other | Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it | |
| Digital wallet | Apple Pay | |
| Digital wallet | Google Pay | |
| Digital wallet | Samsung Pay | |
| Other | Cards made from 82% recycled PVC | |
| Other | Find the digital version of your card via the Mobile App before your physical card arrives in the mail. | |
| Fraud protection | A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe. | |
| Other | Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets. | |
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Permanent Resident | You must be an Australian citizen or permanent resident |
| Eligibility: other | Available when at least one borrower meets essential worker criteria as a frontline ambulance officer, paramedic, firefighter, police officer, corrective services officer, nurse, aged care or disability worker, teacher, early childhood educator, defence or military personnel. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable | 1 Nov 2026 | Current | 0.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
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