The Finance Algorithm
Queensland Country Bank logoQueensland Country Bank

Mortgage Offset

An account that is linked to your home loan which can help you save interest and possibly own your home sooner by providing 100% offset benefit

Savings & transaction accountsBank updated 23 Sept 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Pricing
Rates on application
Monthly fee
$0
Brisbane Heat Debit Card

Fees

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

While you hold it1

  • Monthly Account Fee
    No fee

When you make a transaction1

  • Overseas Purchase Fee
    3.65% of transaction

If a payment is late or fails1

  • Dishonour Insuff. Funds
    $8

When particular things happen7

  • DE Mistaken Payment Return Req
    $50
  • Direct Entry Recall of Funds

    Applies to Direct Debit, Direct Credit and OSKO payments

    $40
  • Disputed Transaction Fee
    $35
  • Dormant Account Fee
    $15
  • Honour Charge
    $8
  • RTGS Payment Received Fee
    $7.20
  • Transaction Investigation Fee
    $15

Other fees1

  • Transaction Fees

    Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges

    Varies

Features

Instant paymentsPayIDDigital bankingUnlimited transactionsAPPLE PAYGOOGLE PAYSAMSUNG PAY
  • An account that is linked to your eligible Variable or Fixed Rate Home Loan providing you 100% Offset benefit

Eligibility and limits

  • For Members with an eligible home loan

Published by Queensland Country Bank 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.