The Finance Algorithm
At a glance
Variable
0.01%
§ 01 — Rates · 4
TypeApplies toTermBandRateComparisonConditions
Variable——up to $5,0000.01%—paid every 12 yrs
Variable——$20,000–$50,0000.01%—paid every 12 yrs
Variable——$5,000–$20,0000.01%—paid every 12 yrs
Variable——$50,000+0.05%—paid every 12 yrs
§ 02 — Fees · 18
FeeTypeAmountWhenNotes
DEPOSITED_CHEQUE_DISHONOUR_FEEEvent$50——
VISA_SERVICE_FEEPeriodic$3——
DUPLICATE_DEPOSIT_BOOKPurchase$5——
ATM_TRANSACTIONSTransaction$0.75——
BUSINESS_CHEQUE_DEPOSIT_FEETransaction$0.80——
DECLINED_ATM_FEETransaction$0.75——
DECLINED_EFTPOS_FEETransaction$0.75——
DIRECT_DEBIT_DISHONOURTransaction$10——
DIRECT_DEBIT_PROCESSINGTransaction$0.20——
EFTPOS_CHARGETransaction$0.75——
FUTURE_DATED_BPAYTransaction$0.50——
FUTURE_DATED_EFT_-_EXTERNALTransaction$0.50——
FUTURE_DATED_OSKOTransaction$0.20——
OTC_BPAYTransaction$0.50——
OTC_CASH_WITHDRAWALTransaction$2.50——
OTC_EFT_EXTERNALTransaction$0.50——
OTC_TRANSFERSTransaction$2.50——
OVERSEAS_VISA_DEBIT_ATM_WITHDRAWALTransaction$5——
§ 03 — Features
Instant paymentsPayID
§ 04 — Eligibility & limits
    § 05 — Compare
    All overdrafts →Other Central Murray Bank overdraftsEverything Central Murray Bank publishes
    § 06 — Run the numbers

    Put this product through a calculator

    Cash flow stress test

    How long an overdraft would carry a shortfall.

    Invoice payment

    The cost of waiting for invoices to be paid.

    Published by Central Murray Bank under the Consumer Data Right, last changed by them on 31 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.