The Finance Algorithm
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Offset Account

Offset Account

Savings & transaction accountsBank updated 23 Sept 2026

At a glance

Pricing
Rates on application

Fees

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

While you hold it1

  • Dormant Account
    $35 a year

When particular things happen22

  • ATM / EFTPOS dispute
    $45
  • Bank Cheque Fee
    $12
  • BPAY Trans Investigation
    $10
  • BPAY/PP Returned Fee
    $25
  • Copy of Interest Summary
    $10
  • Copy of statement of accounts
    $6
  • Corporate Cheque Stop Request
    $12
  • Dishonour of Direct Debit
    $15
  • Dishonour of Direct Debit
    $25
  • Foreign Cash/Cheque Deposit
    $30
  • Foreign Cash/Chq/Travel Money
    $30
  • Honour Fee
    $0.10
  • Honour Fee
    $10
  • Inter Credit Union Withdrawal
    $10
  • Inward Cheque Dishonour Fee
    $20
  • Loan Establishment Fee
    $250
  • Mbr Chq / PP Trace Fee
    $60
  • Member Cheque Copy Fee
    $20
  • Paper Statement Fee

    Only customers older than a minimum age receive the discount

    $4
  • Paper Statement Fee

    Only customers older than a minimum age receive the discount

    $6
  • Presented Stopped Cheque Fee
    $35
  • Thomas Cook Draft Fee
    $20

Features

Instant paymentsPayIDDigital bankingUnlimited transactions

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Resident

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.