Savings account rates › Bank Australia
Mortgage Offset - Fixed
Bank Australia
CDR officialNot listed in rate tables
A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference. A cap of $20,000 applies to offsetting fixed rate loan.
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 |
|---|
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/74abc113-f4ee-4bac-a973-5a2218f543a1- Content hash
sha256 9a0eecf2b94cf5f09064dd70d5d237c3ada0ab638af360045cb13520f6b4b126- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_9a0eecf2b94cf5f0_8795dcbeShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/74abc113-f4ee-4bac-a973-5a2218f543a1- Content hash
sha256 9a0eecf2b94cf5f09064dd70d5d237c3ada0ab638af360045cb13520f6b4b126- 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 |
|---|---|---|
| Dishonour Fee | Dishonour | $0.00 |
| Monthly Offset Account Fee | Periodic | $0.00 |
| Visa emergency card/cash overseas fee | Event | $175.00 |
| Domestic ("press credit") cash withdrawal fee | Withdrawal | $0.00 |
| Exceeding available funds fee | Event | $0.00 |
| International transaction fee (ITF) | Transaction | 3.00% |
| Visa foreign cash withdrawal fee | Withdrawal | $0.00 |
| Staff assisted withdrawal fee | Event | $0.00 |
| Debit interest charge rate | Event | 12.39% |
| Certificates supplied by the bank | Event | $5.00 |
| Duplicate statement fee | Event | $5.00 |
| Dormancy Fee | Periodic | $10.00 |
| Security token fee | Event | $50.00 |
| SMS alert fee | Event | $0.25 |
| Same day funds transfers within Australia fee (RTGS) | Transaction | $20.00 |
| Staff assisted international payment in foreign currency | Transaction | $30.00 |
| Staff assisted international payment in AUD | Payment | $30.00 |
| Online international payment in foreign currency | Payment | $10.00 |
| Inwards Payment fee | Deposit | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Bill payment | BPAY | You can pay bills with the BPAY logo via Bank Australia App or Internet Banking. |
| Card access | Visa Debit Card | Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card. |
| Digital banking | You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking. | |
| Digital wallet | Google, Samsung and Apple Pay available | Leave your wallet behind and pay for the things you need with Google Pay/Samsung Pay/Apple Pay. |
| Notifications | Card and Account Notifications | Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity. |
| Npp enabled | Move money and pay people instantly with Osko. | |
| Npp payid | With PayID you can forget your BSB and account number - simply use your mobile, email or ABN to receive payments. This account can be linked to a PayID. | |
| Other | Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instoretransactions and simply switch them on or off from your App or Internet Banking. | |
| Other | Round Up: When you make a transaction with your Visa debit card, you can decide whether you want the amount to be rounded to the nearest whole dollar amount, with the round up being credited from this account into your nominated Savings account or Credit Card. | |
| Other | Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day. | |
| Other | PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking. | |
| Unlimited txns | There is no limit to the number of online, EFTPOS, ATM or staff assisted transactions you can make. | |
| Eligibility: natural person | Natural Person or In trust for a Natural Person | |
| Eligibility: other | Personal, Joint and Trust | |
| Eligibility: other | Available to customers who have a Offset loan or a Clean Energy loan. A limit of one Offset account can be linked to a fixed rate loan. | |
| Eligibility: residency status | AU | Must be an Australian citizen, permanent resident or have a valid Visa |
| Limit: max balance | 20000.00 |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
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
No one is registered for this product yet. Lender staff and brokers can join through verification.