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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savings accounts
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Rates & fees
Read about our rates & fees
- Little Copper ClubInterest Rate (% PA)Variable rate0.25%EasyInvestInterest Rate (% PA)Balances up to $5 million0.30%Balances $5 million plus0.01%Bonus SaverInterest rate (% PA)Standard variable rate0.05%Bonus rate up to $1 million (1)0.50%Bonus rate $1 million plus0.01%
(1) Deposit $100 per calendar month, with no withdrawals and we'll reward you with bonus interest. Bonus interest rate is capped at a maximum balance of $1,000,000.
Pension PlusInterest rate (% PA)Balances up to $51,8000.30%Balances $51,800 plus0.60%(1) Interest is calculated using the 'part' balance method on each balance amount that falls within the respective balance tier
Term DepositInterest Rate (% PA)3 months1.05%4 months1.05%5 months1.05%6 months1.05%7 months1.05%8 months1.05%9 months1.05%10 months1.05%11 months1.05%12 months1.05%18 months1.10%24 months1.10%36 months1.10%48 months1.10%60 months1.10%(1) Important advice on early redemptions: Interest rates are fixed for the term of the deposit selected. Available rates vary according to the term of deposit selected and the amount of deposit.
Deposits cannot generally be withdrawn prior to maturity. However, we may (at our discretion) agree to a request for the full or partial redemption of a deposit prior to the expiry of its full term.
If an early redemption is required, your request must be made in writing to us - advising the amount that is needed, the reason and the withdrawal details. If the account is held in joint names, all parties are to sign the request, regardless of the method of operating the account. Please note that we may (at our discretion) apply an interest rate reduction.
12 Month IncomeInterest Rate (% PA)12 month fixed term1.00%(1) Important advice on early redemptions: Interest rates are fixed for the term of the deposit selected. Available rates vary according to the term of deposit selected and the amount of deposit.
Deposits cannot generally be withdrawn prior to maturity. However, we may (at our discretion) agree to a request for the full or partial redemption of a deposit prior to the expiry of its full term.
If an early redemption is required, your request must be made in writing to us - advising the amount that is needed, the reason and the withdrawal details. If the account is held in joint names, all parties are to sign the request, regardless of the method of operating the account. Please note that we may (at our discretion) apply an interest rate reduction.
SMSF SaverInterest rate (% PA)Balances up to $5 million0.35%Balances $5 million plus0.01% - PAYMENT 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.
Ways to apply
Ways to apply for our Saving 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: