HUME BANK LIMITED
Flexible Loan Offset Account
Enjoy the flexibility of an everyday transaction account, while the balance offsets what's owed on an eligible Hume Bank home loan to reduce the interest you pay.
Savings & transaction accountsBank updated 15 June 2026
At a glance
- Pricing
- Rates on application
§ 02 — Fees · 21
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| FEECOINDEP | Deposit | $2 | — | Coin deposit fee - Payable when you ask us to count large amounts of coin (over $200 in value). Not applicable when you use a coin counting $200 in value). Not applicable when you use a coin counting |
| FEEFORCHQ | Deposit | $20 | — | Foreign currency cheque deposits - When you deposit a foreign currency cheque of under $5000 to your account |
| FEEMEMCHQ | Deposit | $0.80 | — | Member cheque - Payable when a cheque is deposited into an account |
| ARCH | Event | $10 | — | Archive search fee - Retrieval of account information - $50/per hour. Min $10 |
| FEEADDCARD | Event | $10 | — | Additional card fee - Payable for the second and any subsequent card request per customer |
| FEEBILLCOLL | Event | $50 | — | Bill for collection fee - Payable when you deposit a foreign currency cheque of $5000 or more |
| FEECARDREP | Event | $10 | — | Card Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional card |
| FEECHQDIS | Event | $20 | — | Dishonour fee personal or business cheque - Insufficient cleared funds in your account, cheque returned to drawer |
| FEEDDDIS | Event | $15 | — | Direct Debit dishonour fee - Insufficient cleared funds in your account |
| FEEDETRACE | Event | $20 | — | Transaction trace fee - Payable when you request the trace of a BPAY, NPP/Osko or anyother external transaction |
| FEEINACT | Event | $20 | — | Inactive account fee - Where your account has not been transacted upon for a period of 24 months or more |
| FEEMANRET | Event | $15 | — | Manual return fee - direct debit - Payable each time you request us to manually return a direct debit payment without cancelling the direct debit arrangement |
| FEEPPALT | Event | $5 | — | Periodical payment alteration - Each additional alteration after a total of four consecutive alterations |
| FEERTGS | Event | $20 | — | Real Time Gross Settlement - Where you request a transaction to be processed via RTGS |
| FEESTATREQ | Event | $2 | — | Statement request - A request to provide a copy statement or a statement on a passbook account $2 per page |
| FEESTOPCHQ | Event | $5 | — | Stop cheque request - When you ask us to stop a cheque |
| FEETTAUD | Event | $50 | — | Telegraphic Transfer AUD - When you send money overseas in Australian Dollars |
| FEEDDHON | Transaction | $15 | — | Direct Debit honour fee - Insufficient cleared funds in your account to meet debit request |
| FEETT | Transaction | $15 | — | Telegraphic Transfer - When you send money overseas in a foreign currency online |
| FEETTBR | Transaction | $30 | — | Telegraphic Transfer - When you send money overseas in a foreign currency staff assisted |
| FEEFORCASH | Withdrawal | 1.00% of balance | — | Foreign Cash - When you purchase foreign cash. 1% of the order value in $AUD |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionApple PayGoogle PaySamsung WalletGarmin Pay
- · Up to 8 100% interest offset accounts on eligible Hume Bank Home Loan
- · Electronic or paper statements
- · Chequebook access only available on accounts that have an existing cheque facility attached with a chequebook issued prior to 30 June 2025
- · No monthly account keeping fee
- · Unlimited, electronic and staff assisted transactions
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be residing in Australia with an Australian residential mailing address
- · Must have an eligible Hume Bank Home Loan
§ 05 — Compare
§ 06 — Run the numbers
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Published by Hume Bank under the Consumer Data Right, last changed by them on 15 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.