Qantas Money
Qantas Money Offset Account
The Offset Account is designed to be linked and used with the Qantas Money Offset Home Loan. Eligible home loan customers can receive offset benefits by linking an Offset Account to a Qantas Money Offset Home Loan which reduces the amount of interest that would otherwise accrue in relation to the Qantas Money Offset Home Loan.
Savings & transaction accountsBank updated 23 Sept 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable100% offset to the Offset Home Loan. | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 41
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank@Post Deposit | Deposit | $2.50 | — | Debit card initiated transaction. |
| Bank@Post Balance Enquiry | Enquiry | No fee | — | Debit card initiated transaction. |
| Bendigo Bank ATM Enquiry | Enquiry | No fee | — | — |
| Non-Bendigo Bank ATM Enquiry | Enquiry | No fee | — | Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. |
| Amendment to Telegraphic Transfer Instructions | Event | $25 | — | Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. |
| Audit Request | Event | $30 | — | When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us. Other financial institutions may charge you a fee for usin… |
| Bill Payment Transaction Recall Fee | Event | $20 | — | — |
| Bill Payment Transaction Trace Fee¹ | Event | $20 | — | — |
| Direct Debit Dishonour Fee | Event | $10 | — | — |
| Direct Entry Trace Fee | Event | $30 | — | — |
| International ATM Enquiry | Event | $1.50 | — | Debit card initiated transaction. Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept o… |
| Pay Anyone Trace Fee (including Osko) | Event | $30 | — | — |
| Periodical Payment Dishonour | Event | $5 | — | — |
| Replacement Card Fee | Event | $15 | — | — |
| Statement Fee | Event | $5 | — | — |
| Sweep Facility Rejection | Event | $5 | — | — |
| Telegraphic Transfer Return Request | Event | $25 | — | Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. |
| Telegraphic Transfer Trace Fee | Event | $25 | — | Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. |
| Periodical Payment to Other Financial Institution | Payment | $3.75 | — | Staff assisted service. |
| Periodical Payment | Payment | No fee | — | — |
| Bank@Post Loan Repayment | Transaction | No fee | — | — |
| Bendigo Bank ATM Deposit | Transaction | No fee | — | — |
| Direct Credit (Inward) | Transaction | No fee | — | — |
| Direct Debit | Transaction | No fee | — | — |
| e-banking Internal Transfer | Transaction | No fee | — | When completed via e-banking |
| e-banking Pay Anyone Transfer, including Osko® | Transaction | No fee | — | When completed via e-banking. |
| EFT Credit Transfer | Transaction | $4 | — | Staff assisted service. |
| International Transaction Fee | Transaction | 3.00% of transaction | — | Debit card initiated transaction. 3% of the Transaction amount in AUD. |
| Inward Telegraphic Transfer in a Foreign Currency | Transaction | $10 | — | — |
| Inward Telegraphic Transfer in AUD Currency | Transaction | $2 | — | Note: Transfer of Australian dollars or foreign currency into any Bendigo and Adelaide Bank account may incur a handling or acceptance fee by the accepting bank and / or intermediary bank(s), (the am… |
| Outward Telegraphic Transfers | Transaction | $30 | — | — |
| Retail Purchase | Transaction | No fee | — | — |
| Sweep Facility (internal) | Transaction | No fee | — | When you instruct us in writing to make a regular payment from your Offset Account to a Mastercard credit card account. |
| Transfer (in branch) | Transaction | $2.50 | — | Staff assisted service. |
| Bank@Post Withdrawal | Withdrawal | $2.50 | — | Debit card initiated transaction. |
| Bendigo Bank ATM Withdrawal | Withdrawal | No fee | — | Debit card initiated transaction. |
| BPAY Withdrawal | Withdrawal | No fee | — | When completed via e-banking. |
| Cash Withdrawal (in branch) | Withdrawal | $2.50 | — | Staff assisted service. |
| EFTPOS Withdrawal | Withdrawal | No fee | — | Debit card initiated transaction. |
| International ATM Withdrawal | Withdrawal | $5 | — | Debit card initiated transaction. Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept o… |
| Non-Bendigo Bank ATM Withdrawal | Withdrawal | No fee | — | Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. |
§ 03 — Features
Offset accountDigital banking
§ 04 — Eligibility & limits
- · Have or have been approved for a Qantas Money Offset Home Loan.
- · Must be linked to a Qantas Money Offset Home Loan product.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Qantas Money Basic/Offset Home Loans 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.