For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account
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 |
|---|---|---|---|---|
| 1.25% | Variable · $0–$5,000 | CDR | 1 Nov 2026 | |
| 1.30% | Variable · $5,000–$10,000 | CDR | 1 Nov 2026 | |
| 1.40% | Variable · $10,000–$25,000 | CDR | 1 Nov 2026 | |
| 1.45% | Variable · $25,000–$50,000 | CDR | 1 Nov 2026 | |
| 2.20% | Variable · $50,000 or more | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S12_Smart- Content hash
sha256 763fc6f513d8ff3ef956e1ca3fe7f9726b814728da5cd3d3655dfa92a44973ee- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_763fc6f513d8ff3e_5004e46eShow details
- Checked
- 1 Nov 2026
- URL
https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S12_Smart- Content hash
sha256 763fc6f513d8ff3ef956e1ca3fe7f9726b814728da5cd3d3655dfa92a44973ee- 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 |
|---|---|---|
| DIRECT_DEBIT_REJECTION_FEE | Transaction | $10.00 |
| DORMANT_ACCOUNT_FEE | Event | $10.00 |
| MONTHLY_VISA_CARD_FEE | Periodic | $2.00 |
| OVERDRAFT_ESTABLISHMENT_FEE | Upfront | $150.00 |
| PAPER_STATEMENT_FEE | Periodic | $2.50 |
| OVERDRAWN_ACCOUNT_FEE | Withdrawal | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Unlimited txns | ||
| Card access | ||
| Digital banking | ||
| Digital wallet | Apple, Samsung & Google pay | |
| Other | Funds at call | |
| Eligibility: residency status | Australian Residences only | |
| Eligibility: min age | 18 | |
| Eligibility: other | Must have a Smart or Premium Smart Home Loan |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $50,000 or more | 1 Nov 2026 | Current | 2.20% |
| Variable · $25,000–$50,000 | 1 Nov 2026 | Current | 1.45% |
| Variable · $5,000–$10,000 | 1 Nov 2026 | Current | 1.30% |
| Variable · $0–$5,000 | 1 Nov 2026 | Current | 1.25% |
| Variable · $10,000–$25,000 | 1 Nov 2026 | Current | 1.40% |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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