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

  • Hand and money

    We're flexible

    We work with you to find what's right for you, not everyone else

Compare

Our everyday banking products

Explore our products to support you in your everyday needs

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 balance transfer rate (1)
    6.99%
    6 month introductory rate (2)
    6.99%
    Ongoing variable rate
    16.95%
    1. (1) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.

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

    Overdraft
    Interest Rate (% PA)
    Variable rate
    12.95%
    Personal Loan
    Base Rate (% PA)
    Comparison Rate (% PA)
    Variable rate
    9.95%
    10.11%
    Car Loan
    Base Rate (% PA)
    Comparison Rate (% PA)
    Fixed rate
    6.99%
    7.14%
  • 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
    Establishment 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: