Mortgage Offset Account

Border Bank

CDR officialNot listed in rate tables

This savings account helps reduce the interest you pay on your mortgage. Funds are available at call. You can set up bill payments and use internet and phone banking on this account.

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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

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Source

CDR officialConsumer Data Right product dataShow where this comes from

Fetched: 1 Nov 2026
URL: https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/b45a5f77-b0d0-44fd-98a3-3465013811b4
Content hash: sha256 bdaabe33f990e0234b19a77896eb4a717f0dd3c3e58a24a4f4444f5fd0b3cf03
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_bdaabe33f990e023_e70620acShow details

Checked: 1 Nov 2026
URL: https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/b45a5f77-b0d0-44fd-98a3-3465013811b4
Content hash: sha256 bdaabe33f990e0234b19a77896eb4a717f0dd3c3e58a24a4f4444f5fd0b3cf03
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
Dormant Accounts fee	Event	$10.00
External Electronic Periodical Payments	Transaction	$1.00
Overdrawn Savings Account Fee	Event	$15.00
Default Notice Fee	Event	$21.50
Direct Debit Dishonour Fee	Dishonour	$9.00
Counter Cash withdrawal fee up to $24,999	Transaction	$2.00
Third Party Costs	Event	$0.00
Document Retrieval Fee	Event	$0.00
Additional Statement Fee	Event	$5.00
Counter Cash withdrawal $25,000 and over	Transaction	$50.00

Features and eligibility

Item	Value	Details
Digital banking		Internet banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.
Other		Periodical Payments. Account allows Periodical Payments via External Periodical Payment Platforms
Npp payid		Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.
Other		Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.
Bill payment	BPAY	BPAY - for your bill payments with access to the BPAY system*
Npp payid		Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.
Npp enabled		NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments.
Other		Direct Debits. A facility to make direct debit payments from your account
Other		Direct Credits. Make regular credits like your pay into this account
Npp payid		PayTo® is a modern digital payment solution offering a fast, easy and secure way to pay. It gives members more visibility and control over their payments, and enables merchants and businesses to initiate real-time payments from their customers’ bank accounts.
Other		Direct Credits. Set regular payments like your pay sent straight to your account
Npp enabled		Yes
Digital wallet	Google Pay	Pay with your Border Bank Visa Debit Cards using Google Pay
Other		Direct Debits. Set up Direct Debits from this account
Interest free	P55D
Other		ATM withdrawals. up to $1000
Other		Periodical Payments. Can set up Periodical Payments
Other		Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
Other		Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Border Bank can be sure the card isn't being used without your permission.
Digital wallet	Apple Pay	Pay with your Border Bank Visa Debit Cards using Apple Pay
Digital banking		Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.
Card access	Credit Card	Can be used at over 29 million Visa outlets in over 250 countries around the world
Other		Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.
Digital wallet	Samsung Pay	Pay with your Border Bank Visa Debit Cards using Samsung Pay
Other		Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers
Other		Confirmation Of Payee
Eligibility: min age	18
Eligibility: natural person		Individuals
Eligibility: residency status	Australian Citizen
Eligibility: residency status	Australian Residents

Rate history

Rate	From	To	Rate p.a.
Variable	1 Nov 2026	Current	0.00%

Tag	Meaning	Effect
`quality:no-interest`	quality:no-interest
`out-of-scope`	Reason this product is not ranked

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