The Finance Algorithm
At a glance
Base rate
0.05%
Bonus rate
4.50%
Up to
4.55%
§ 01 — Rates · 2
TypeApplies toTermBandRateComparisonConditions
BonusDeposit $20.00 per month with no withdrawals to earn the Bonus Rate.4.50%paid every 1 mo; Bonus Rate
Variable$1.00 and over0.05%paid every 1 mo
§ 02 — Fees · 17
FeeTypeAmountWhenNotes
Bank Cheque FeeEvent$12
BPAY Trans InvestigationEvent$10
BPAY/PP Returned FeeEvent$25
Corporate Cheque Stop RequestEvent$12
Dishonour of Direct DebitEvent$15
Dishonour of Direct DebitEvent$25
Foreign Cash/Cheque DepositEvent$30
Foreign Cash/Chq/Travel MoneyEvent$30
Inter Credit Union WithdrawalEvent$10
Inward Cheque Dishonour FeeEvent$20
Mbr Chq / PP Trace FeeEvent$60
Member Cheque Copy FeeEvent$20
Paper Statement FeeEvent$4Only customers older than a minimum age receive the discount
Paper Statement FeeEvent$6Only customers older than a minimum age receive the discount
Presented Stopped Cheque FeeEvent$35
Thomas Cook Draft FeeEvent$20
Dormant AccountPeriodic$35Every 1 yr
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactions
§ 04 — Eligibility & limits

    Published by Dnister under the Consumer Data Right, last changed by them on 23 Sept 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.