Product disclosure documents
Terms, conditions, and all fees and charges across our products are outlined below - these documents will be updated on 1 July 2025.
Fee changes
Customers will benefit from reduced fees and charges across our range of products and services from 1 July 2025.
What's on this page
What's happening?
Following our merger with Qudos Bank, customers will enjoy reduced fees and charges that ensures members are better off overall.
Fee removal
Effective from 1 July 2025 the following fees will be removed.
Deposit fees
Fee
From
To
Exceeding available funds fee
$10
$0
Domestic ("press credit") cash withdrawal fee
$3.50
$0
Visa foreign cash withdrawal fee
$3.50 plus the International Transaction Fee
$0 plus the International Transaction Fee
Staff assisted withdrawal fee
$2.50 for savings accounts
$0
Term Deposit early withdrawal admin fee
$15 per early withdrawal and interest paid penalty
$0 fee and interest paid penalty
Home loan fees
Fee
From
To
Basic Home Loan establishment fee - new mortgage
$595
$0
Basic Home Loan establishment fee - existing mortgage
$295
$0
Additional valuation
$150
$0
Portability fee - existing mortgage
$150
$0
Valuation administration request - loan variation request
$250
$0
Loan variation fee
$150
$0
Credit card fees
Fee
From
To
Low Rate Visa Card annual fee
$59
$0
Additional card holder
$59
$0
Fee decrease
Effective from 1 July 2025 the following fees will be decreased.
Deposit fees
Fee
From
To
Dormancy fee
$12 per quarter
$10 per year
Same day funds transfers within Australia (RTGS)
$30 per transfer
$20 per transfer
Certificates supplied by the bank
$60 per hour with a minimum $30 per certificate
$5 per page and $25 per hour
Duplicate statement fee
$5 per statement
$5 per statement (for period more than 3 months before request)
Home loan fees
Fee
From
To
Offset Home Loan - annual fee
$350 per annum
$199 per annum
Mortgage discharge fee
$350
$275
Important information
Account Access facility condititions of use
Credit Card key fact sheet
Deposit fees, charges and transaction Limits
Lending and Credit Card fees charges and transaction limits
Summary of accounts
® Registered to BPAY Pty Ltd ABN 69 079 137 518