The Finance Algorithm
A-Auswide Bank logoA-Auswide Bank

MORTGAGE OFFSET ACCOUNT

A mortgage offset account

Savings & transaction accountsBank updated 1 July 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.00%
Monthly fee
$10

Rates

The one rate A-Auswide Bank publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---0.00%-paid every 1 mo

Fees

8 fees published, grouped by when they're charged.

While you hold it1

  • ACCOUNT_SERVICE_FEE_-_MORTGAGE_OFFSET_ACCOUNT

    Payble to levy costs we incur in provding your account and its service. Fee waived for Freedom Package loans Shareholder of Auswide Bank Hold an Auswide Bank Mortgage

    $10 a month

When you make a transaction6

  • ATM_DIRECT_CHARGE_FEE

    Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.

    Varies
  • TELEGPRAPHIC_TRANSFER_FEE

    $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.

    $50
  • CURRENCY_CONVERSION_FEE

    Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

    3.00% of transaction
  • RTGS_OUTWARD_PAYMENT_FEE

    Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

    $20
  • CHEQUE_WITHDRAWAL_USING_CHEQUE_BOOK

    Payable when you write a cheque and it is presented on your account

    $2
  • FOREIGN_ATM_WITHDRAWAL_FEE

    Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

    $5

When particular things happen1

  • DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT

    Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account

    $15

Features

Offset accountInstant paymentsPayIDDigital bankingUnlimited transactions
  • Up to 99 Sub Accounts, Max 10 offsets attached to an eligible loan at once.

Eligibility and limits

  • Available to individuals

Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 1 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.