The Finance Algorithm
At a glance
Pricing
Rates on application
§ 02 — Fees · 19
FeeTypeAmountWhenNotes
FEECOINDEPDeposit$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
FEEFORCHQDeposit$20—Foreign currency cheque deposits - When you deposit a foreign currency cheque of under $5000 to your account
ARCHEvent$10—Archive search fee - Retrieval of account information - $50/per hour. Min $10
FEEBILLCOLLEvent$50—Bill for collection fee - Payable when you deposit a foreign currency cheque of $5000 or more
FEECARDCOUREvent$50—When a Visa Debit Card is requested to be delivered by express post
FEECARDREPEvent$10—Card Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional card
FEECHQSPECCLEvent$15—Special cheque clearance - Special request for priority clearance on a cheque deposited to your account
FEEDDDISEvent$15—Direct Debit dishonour fee - Insufficient cleared funds in your account
FEEDETRACEEvent$20—Transaction trace fee - Payable when you request the trace of a BPAY, NPP/Osko or anyother external transaction
FEEMANRETEvent$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
FEEPPALTEvent$5—Periodical payment alteration - Each additional alteration after a total of four consecutive alterations
FEERTGSEvent$20—Real Time Gross Settlement - Where you request a transaction to be processed via RTGS
FEESTATREQEvent$2—Statement request - A request to provide a copy statement or a statement on a passbook account $2 per page
FEETTAUDEvent$50—Telegraphic Transfer AUD - When you send money overseas in Australian Dollars
FEETTTransaction$15—Telegraphic Transfer - When you send money overseas in a foreign currency online
FEETTBRTransaction$30—Telegraphic Transfer - When you send money overseas in a foreign currency staff assisted
FEEBRTRANSWithdrawal$2—Branch Transaction - Payable when you request a staff assisted transaction to another Financial Institution
FEECASHBRWithdrawal$2—Cash withdrawal fee - When cash is withdrawn at branch
FEEFORCASHWithdrawal1.00% 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
  • · No monthly account keeping fee
  • · Electronic or paper statements
  • · Unlimited, electronic and staff assisted transactions
§ 04 — Eligibility & limits
  • · Minimum age 12
  • · Residency: Must be residing in Australia with an Australian residential mailing address
  • · Minimum age 14 for new to bank customers applying online

Published by Hume Bank under the Consumer Data Right, last changed by them on 28 May 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.