Fee updates

Romance Scam Alert — Wednesday 11 February: Scammers are using online relationships to steal money and personal information. Watch for fast‑moving relationships, refusal to meet, or urgent requests for help. Learn more

Interest rate increase – Thursday 5 February: Following the RBA’s decision to change the official cash rate, interest rates for owner‑occupier and investor variable loans will increase by 0.25%, effective 19 February 2026. From 19 February 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.

What's changing?

As we prepare for the merger with Bank Australia, we remain committed to delivering lower fees and charges on a range of products. Effective 1 July 2025, our fees and charges are changing.

Fee removal

Effective 1 July 2025, the following fees will be removed.

Deposit fees

Fee

From

To

Electronic debit rejection fee

$15

Telegraphic Transfer Investigation

$25

Home loan fees

Fee

From

To

Valuation administration fee

As per *

Copies of documents other than statements

$5 per page and $25 per hour

* 1 free Valuation up to the cost of $300 for loans under $1.0m. All other valuations are charged at cost. 1 free Valuation up to the cost of $600 for loans over $1.0m and up. All other valuations are charged at cost.

Credit card fees

Fee

From

To

Card replacements (after 2 replacements)

$10

Fee reduction

Effective 1 July 2025, there will be a reduction in the following fees.

Deposit fees

Fee

From

To

International transaction fee (ITF)

3.65% of the transaction value

3% of the transaction value

Dormant accounts

$10 per year

$10 per year (per member, regardless how many accounts the member holds)

Staff Assisted International Payment (AUD)

$50 per transfer

$30 per transfer

Online International Payment in Foreign Currency

$20 per transfer

$10 per transfer

Visa emergency card fee ($USD)

$200

$175

Home loan fees

Fee

From

To

New mortgage establishment fees (Bridging, Construction)

$600

$595

Portability fee - new mortgage

At cost

$500

Fixed rate lock fee

$649

0.10% of approved loan amount (minimum fee $50)

Credit card fees

Fee

From

To

Visa Platinum Credit Card Annual Fee

$199

$189

Cash advance fee - domestic

$3.50

Cash advance fee - overseas

$5 plus International transaction fee

$3.50 plus International transaction fee

International transaction fee (ITF)

3.65% of the transaction value

3% of the transaction value

Visa emergency card fee ($USD)

$200

$175

Important Information

Fees and charges across our products are outlined below - these documents will be updated 1 July 2025.

Fees and charges brochure
Credit Card Key Fact Sheet
‍Telegraphic Transfers

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Acknowledgment of country

We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head offices are located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria, and the land of the Gadigal people of the Eora Nation in New South Wales.

We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.

Fee updates

What's changing?

Fee removal

Deposit fees

Fee

From

To

Home loan fees

Fee

From

To

Credit card fees

Fee

From

To

Fee reduction

Deposit fees

Fee

From

To

Home loan fees

Fee

From

To

Credit card fees

Fee

From

To

Important Information

How can we help?

Help Centre

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