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    Banking

    Make your everyday banking easier

    Everyday banking designed for Police, health and emergency services workers.

    Why BankVic?

    Why choose us?

    • communities

      100% member-owned

      Being member-owned means our profits benefit our members and their communities

    • We make it easy

      We make it easy

      We are online, it's easy to get us on the phone, or visit a branch

    • Canstar’s 5 Star Rating

      Outstanding value

      Our Qantas Visa Credit Card was awarded Canstar’s 5 Star Rating in September 2021

    Compare

    Our everyday banking products

    Explore our products to support you in your everyday needs

    Car Loan

    Get on the road sooner with a lower rate by using your car as security

    6.99

    %p.a

    Fixed rate

    7.12

    %p.a

    Comparison rate

    Fees

    $90 application fee
    $0 monthly service fees

    Loan Amounts

    Minimum loan amount of $10,000

    Repayments

    Weekly, fortnightly or monthly

    Apply Now

    Terms and conditions apply. Important information about our comparison rate - see here

    More Info

    Eligibility

    Be a BankVic member, over 18 years and meet our credit assessment criteria

    Payment Flexibility

    Ability to make unlimited additional repayments and no penalty for early repayment

    Key documents you should consider

    Target market determination

    View

    BankVic credit guide

    View

    Personal Loan

    Make your next purchase a reality with our flexible personal loan

    9.95

    %p.a

    Variable rate

    10.08

    %p.a

    Comparison rate

    Fees

    $90 application fee
    $0 monthly service fees

    Loan Amounts

    Minimum loan amount of $500

    Repayments

    Weekly, fortnightly or monthly

    Apply Now

    Terms and conditions apply. Important information about our comparison rate - see here

    More Info

    Eligibility

    Be a BankVic member, over 18 years and meet our credit assessment criteria

    Payment Flexibility

    Ability to make unlimited additional repayments and no penalty for early repayment

    Key documents you should consider

    Target market determination

    View

    BankVic credit guide

    View

    Overdraft

    An on-demand line of credit to help meet your short-term financial needs

    12.95

    %p.a

    Variable rate

    Fees

    $0 application fee
    $0 monthly service fees

    Loan Amounts

    From $500 up to $10,000

    Repayments

    Minimum monthly repayment of $20 or 2.5% of closing balance (whichever is greater)

    Apply Now

    More Info

    Eligibility

    Be a BankVic member, over 18 years, have an Everyday or Investor account and meet our credit assessment criteria

    Payment Flexibility

    Pay no interest until you start using the overdraft, and then only on the amount used

    Access to Funds

    Convenient access to your facility via Visa debit card, online banking and branch / ATM withdrawals

    Key documents you should consider

    Target market determination

    View

    BankVic credit guide

    View

    Rates & fees

    Read about our
    rates & fees

    • Everyday Account
      Interest Rate (% PA)
      Variable Rate
      0.01%
      Silver Visa
      Interest Rate (% PA)
      6 month introductory rate (1)
      6.99%
      Ongoing variable rate
      11.95%

      1. (1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

      Gold Visa
      Interest Rate (% PA)
      6 month introductory rate (1)
      6.99%
      Ongoing variable rate
      16.95%

      1. (1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

      BankVic Qantas Visa
      Interest Rate (% PA)
      6 month introductory rate (1)
      6.99%
      6 month balance transfer rate (2)
      6.99%
      Ongoing variable rate
      16.95%

      1. (1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

      2. (2) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.

      Overdraft
      Interest Rate (% PA)
      Variable rate
      12.95%
      Personal Loan
      Base Rate (% PA)
      Comparison Rate (% PA)
      Variable rate
      9.95%
      10.08%
      Car Loan
      Base Rate (% PA)
      Comparison Rate (% PA)
      Fixed rate
      6.99%
      7.12%
    • DEBIT CARD FEES
      Fee Types
      Fees
      Disputed transaction
      $25 per transaction
      Card replacement in Australia
      $10
      Card replacement overseas
      USD $175
      Emergency cash overseas
      USD $175
      International currency conversion fee
      3.65% of the AUD transaction amount
      CREDIT CARD FEES
      Fee Types
      Fees
      Gold Visa annual fee
      $50
      Late payment fee
      $15
      Cash advance
      $4 per transaction
      Disputed transaction
      $25 per transaction
      Card replacement in Australia
      $10
      Card replacement overseas
      USD $175
      Emergency cash overseas
      USD $175
      International currency conversion fee
      3.65% of the AUD transaction amount
      QANTAS VISA FEES
      Fee Types
      Fees
      Annual fee
      $0
      Late payment fee
      $9
      Cash advance (1)
      $1.80 per transaction
      Disputed transaction
      $25 per transaction
      Card replacement in Australia
      $10
      Card replacement overseas
      $0
      Emergency cash overseas
      $0
      International currency conversion fee
      2% 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 FEES
      Fee Types
      Fees
      Application fee
      $90
      Lodge or amend security interest on a vehicle
      $20 per security
      PAYMENT FEES
      Fee Types
      Fees
      Dishonour for insufficient funds for external transfers
      $9 after 3 attempts
      Returned payment due to incorrect bank account details
      $14
      BankVic dishonour charge
      $19
      Direct debit stopped payment
      $19
      Personal cheque book (25 pages)
      $10
      BANK DRAFT FEES
      Fee Types
      Fees
      Foreign currency bank draft
      $15 per transaction
      AUD bank draft
      $15 per transaction
      Reissue
      $10
      Cancellation
      $40
      Express post fee
      $6
      INTERNATIONAL TRANSFER FEES
      Fee Types
      Fees
      Outward transfer - foreign currency
      $30 per transaction
      Outward transfer - AUD
      $41 per transaction
      Inward transfer - AUD
      $5 per transaction charged by AMEX
      Amendment or trace
      $55 per transaction charged by AMEX
      Cancellation
      $40 charged by AMEX
      RECORD FEES
      Fee Types
      Fees
      Voucher archive retrieval - up to 30 days since transaction
      $6
      Voucher archive retrieval - up to 30 to 90 days since transaction
      $7.50
      Voucher archive retrieval - 90+ days since transaction
      $10
      Services fee on a time basis
      $15 per quarter hour
      Photocopy cost
      $2 per page
      Access to records under privacy act
      $50
      OTHER FEES
      Fee Types
      Fees
      Additional or reprint statement fee
      $2 per page
      List of transactions via branch or contact centre
      $2 per page
      Dormant account fee (1)
      $40 per year
      Company 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.

    WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our personal and car loan has been calculated for an amount of $30,000 over a term of 5 years.

    Ways to apply

    Ways to apply for our Banking products

    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: