Our recognition
Our awards
Awarded for everyday value
We won DBM’s Financial Award for the Most Recommended Everyday Account in March 2022*
Recognised for value
We were awarded RateCity’s Gold Award for the Best 5-Year Fixed Home Loan in April 2022
Awarded for competitive rates
We were awarded Canstar’s Customer Owned Bank of the Year – Term Deposits Award in June 2021
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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.
BankVic Qantas VisaInterest Rate (% PA)6 month introductory rate (1)6.99%6 month balance transfer rate (2)6.99%Ongoing variable rate16.95%(1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.
(2) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.
OverdraftInterest Rate (% PA)Variable rate12.95%Personal LoanBase Rate (% PA)Comparison Rate (% PA)Variable rate9.95%10.08%Car LoanBase Rate (% PA)Comparison Rate (% PA)Fixed rate6.99%7.12% - 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 TypesFeesApplication fee$90Lodge or amend security interest on a vehicle$20 per securityPAYMENT FEESFee TypesFeesDishonour for insufficient funds for external transfers$9 after 3 attemptsBankVic 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 feeFreeList 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.
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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: