First Option BankMORTGAGE OFFSET
MORTGAGE OFFSET
Savings & transaction accountsBank updated 2 June 2026
At a glance
- Base rate
- 0.00%
Rates
The one rate First Option Bank publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 0.00% | - | paid every 1 mo |
Fees
11 fees published, grouped by when they're charged.
While you hold it1
- PAPER_STAT_FEE
Paper Statement Fee
$2.50 a month
When you make a transaction5
- BANK@POST_WDL
Bank@Post withdrawal
$3 - EFTPOS_FEE
EFTPOS Transaction Exemptions
$0.50 - OVERSEAS_ATM_WDL
Overseas ATM withdrawal
$3.50 - STAFF_ASSIST_FEE
Staff=assisted transfer fee
$5 - VISAOVERSEASCONV2.00% of transaction
When particular things happen5
- CARDREPLACEMENT$7.50
- CHARGEBACK_DISPUTE$30
- VISACOPYTRANVOUCHER$30
- VISAEMERGCANCELDENIED$50
- VISAEMERGOVERSEAS$175
Features
Instant paymentsPayIDDigital bankingGoogle, Apple Pay, Samsung Pay
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents
- Available to individuals
Compare it with others
Put this product through a calculator
Published by First Option Bank under the Consumer Data Right, last changed by them on 2 June 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.