Why BankVic?
Why choose us?
100% member-owned
Being member-owned means our profits benefit our members and their communities
We make it easy
We are online, it's easy to get us on the phone, or visit a branch
We're flexible
We work with you to find what's right for you, not everyone else
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Our everyday banking products
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Rates & fees
Read about our
rates & fees
- Everyday AccountInterest Rate (% PA)Variable Rate0.01%Silver VisaInterest Rate (% PA)6 month introductory rate (1)6.99%Ongoing variable rate11.95%
(1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.
Gold VisaInterest Rate (% PA)6 month introductory rate (1)6.99%Ongoing variable rate16.95%(1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.
BankVic Qantas VisaInterest Rate (% PA)6 month balance transfer rate (1)6.99%6 month introductory rate (2)6.99%Ongoing variable rate16.95%(1) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.
(2) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.
OverdraftInterest Rate (% PA)Variable rate12.95%Personal LoanBase Rate (% PA)Comparison Rate (% PA)Variable rate9.95%10.11%Car LoanBase Rate (% PA)Comparison Rate (% PA)Fixed rate6.99%7.14% - DEBIT CARD FEESFee TypesFeesDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amountCREDIT CARD FEESFee TypesFeesGold Visa annual fee$50Late payment fee$15Cash advance$4 per transactionDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amountQANTAS VISA FEESFee TypesFeesAnnual fee$0Late payment fee$9Cash advance (1)$1.80 per transactionDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseas$0Emergency cash overseas$0International currency conversion fee2% of the AUD transaction amount
(1) Includes over the counter (domestic & international) and Westpac, St George, Bank SA or Bank of Melbourne ATM withdrawal
CAR & PERSONAL LOAN FEESFee TypesFeesEstablishment fee$90Lodge or amend security interest on a vehicle$20 per securityPAYMENT FEESFee TypesFeesDishonour for insufficient funds for external transfers$9 after 3 attemptsReturned payment due to incorrect bank account details$14BankVic dishonour charge$19Direct debit stopped payment$19Personal cheque book (25 pages)$10BANK DRAFT FEESFee TypesFeesForeign currency bank draft$15 per transactionAUD bank draft$15 per transactionReissue$10Cancellation$40Express post fee$6INTERNATIONAL TRANSFER FEESFee TypesFeesOutward transfer - foreign currency$30 per transactionOutward transfer - AUD$41 per transactionInward transfer - AUD$5 per transaction charged by AMEXAmendment or trace$55 per transaction charged by AMEXCancellation$40 charged by AMEXRECORD FEESFee TypesFeesVoucher archive retrieval - up to 30 days since transaction$6Voucher archive retrieval - up to 30 to 90 days since transaction$7.50Voucher archive retrieval - 90+ days since transaction$10Services fee on a time basis$15 per quarter hourPhotocopy cost$2 per pageAccess to records under privacy act$50OTHER FEESFee TypesFeesAdditional or reprint statement fee$2 per pageList of transactions via branch or contact centre$2 per pageDormant account fee (1)$40 per yearCompany search fee$25(1) Dormant fee - applied where there have been no transactions in the account for at least 1 year, we have written to you but you have not given us written notice stating you wish the account to remain open.
Ways to apply
Ways to apply for our Banking products
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Terms and conditions
Important things you should know
Information on this page is general in nature and does not take into account your personal circumstances. You should consider whether it is appropriate for you before acquiring the product or service.
Fees and charges may apply. Interest rates are variable and subject to change. Information on our terms & conditions, interest rates and fees & charges are available on request.
We recommend that you read the following documents: