Why BankVic
We’re a certified B Corp
As a B Corp, we meet the highest standards for how we serve our members, invest in the community, govern our business and care for our people and the environment.
Recognised for value
BankVic has taken out six WeMoney Banking Awards, including “Outstanding Customer Service” in the Everyday Banking category.
WeMoney Banking Awards
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Our everyday banking products
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Rates & fees
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rates & fees
- Everyday AccountInterest Rate (% PA)Variable Rate0.01%Low Rate VisaInterest Rate (% PA)6 month introductory rate (1)8.99%Ongoing variable rate13.95%6 month balance transfer rate (2)8.99%
(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.
BankVic Qantas VisaInterest Rate (% PA)6 month introductory rate (1)8.99%6 month balance transfer rate (2)8.99%Ongoing variable rate18.95%(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.
Personal LoanBase Rate (% PA)Comparison Rate (% PA)Personal loan variable rate11.95%12.08%Car LoanBase Rate (% PA)Comparison Rate (% PA)Car loan fixed rate8.99%9.12% - DEBIT CARD FEESFee that will be chargedFeesATM withdrawals (1)ATM operator fees disclosed at time of transactionDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amount
(1) Some ATM owners may charge a fee for using their ATMs and this fee may vary from ATM to ATM. If a fee is incurred, it will be withdrawn from your BankVic account at the time you withdraw cash.
CREDIT CARD FEESFee that will be chargedFeesLate payment fee$15Cash advance fee (1)FreeATM withdrawals (2)ATM operator fees disclosed at time of transactionDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amount(1) Interest rates on cash advance applies.
(2) Some ATM owners may charge a fee for using their ATMs and this fee may vary from ATM to ATM. If a fee is incurred, it will be withdrawn from your BankVic account at the time you withdraw cash.
QANTAS VISA FEESFee that will be chargedFeesAnnual fee$0Late payment fee$9Cash advance fee (1)FreeATM withdrawals (2)ATM operator fees disclosed at time of transactionDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseas$0Emergency cash overseas$0International currency conversion fee2% of the AUD transaction amount(1) Interest rates on cash advance applies.
(2) Some ATM owners may charge a fee for using their ATMs and this fee may vary from ATM to ATM. If a fee is incurred, it will be withdrawn from your BankVic account at the time you withdraw cash.
CAR & PERSONAL LOAN FEESFee that will be chargedFeesSetup fee$90Goods security agreement$20 per securityPAYMENT FEESFee that will be chargedFeesBankVic dishonour charge$9Personal cheque book (25 pages)$10OTHER FEESFee that will be chargedFeesTransaction archive search feeUp to $10Company search fee$25Miscellaneous fee (1)$50 per transaction and $15 per quarter hourExpress post fee$7.50(1) Fee charged for services not otherwise provided in this guide
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International Money Transfers
Account Deposits, Withdrawals and Payments
Transaction Limits
Description Withdrawal limit Osko - direct transfer in real time $2,000 per day Direct Transfer (funds will be available to payee within 3 working days)
Payments to new payees are secured through the use of a One Time Password. If you need to transfer an amount that exceeds the maximum daily limit, please contact us on 13 63 73.
$10,000 per day Combined daily transfer limit (Osko & Direct Transfer) $12,000 per day Bpay $10,000 per day Debit and Credit Cards (Digital Wallet/PayWave/Transfer) Available funds/credit limit ATM and EFTPOS $1,000 per day In branch 24 hours advance notice is required to withdraw $5,000 or more in cash Description Deposit limit Direct transfer in real time via OSKO Unlimited Direct transfer (available to payee within 3 working days) Unlimited Debit and Credit Cards ((Digital Wallet/PayWave/Transfer) Unlimited In branch Unlimited ATM or EFTPOS Not available for deposits Bank@Post Deposits of up to $9,999 per day in cash are accepted using a specially barcoded deposit book available from BankVic (a maximum of $20.00 in loose coin will be accepted). Bank@Post will not accept a deposit of $10,000 or more.
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: