{ "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/47e17301-bbc9-436e-a9b0-5c9f10d3fa89", "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).", "data": { "brand": "MYSTATE", "description": "Your account balance is 100% offset against a linked MyState Bank Home Loan. Monthly account fee of $8.\nLoaded with clever new banking tech that shows you where your money goes. Pay your way with ApplePay and Google Pay", "isTailored": false, "lastUpdated": "2026-03-04T04:54:10.275558Z", "name": "Offset Account", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "productId": "47e17301-bbc9-436e-a9b0-5c9f10d3fa89", "additionalInformation": { "overviewUri": "https://mystate.com.au/bank-accounts/transaction-accounts/offset-account/", "termsUri": "https://mystate.com.au/legal/", "eligibilityUri": "https://mystate.com.au/legal/", "feesAndPricingUri": "https://mystate.com.au/legal/", "bundleUri": null, "additionalOverviewUris": null, "additionalTermsUris": null, "additionalEligibilityUris": null, "additionalFeesAndPricingUris": null, "additionalBundleUris": null }, "applicationUri": null, "brandName": "My State PM Production", "cardArt": [], "effectiveFrom": null, "effectiveTo": null, "bundles": [], "constraints": [], "depositRates": [], "eligibility": [ { "eligibilityType": "NATURAL_PERSON", "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/legal/", "additionalValue": null }, { "eligibilityType": "OTHER", "additionalInfo": "Can only be offset against MyState Bank home loan products as determined from time to time and only if the account and the home loan are in the name(s) of the same person(s);\n\nWe will switch your offset account to an alternate transaction account in circumstances where there is no active eligible loan to link the offset account to.", "additionalInfoUri": "https://mystate.com.au/legal/", "additionalValue": null } ], "features": [ { "featureType": "CARD_ACCESS", "additionalInfo": null, "additionalInfoUri": null, "additionalValue": "Visa Debit Card." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Stay flexible anywhere and anytime with the MyState Bank app.", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "DIGITAL_WALLET", "additionalInfo": null, "additionalInfoUri": null, "additionalValue": "Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay." }, { "featureType": "NPP_ENABLED", "additionalInfo": "Send and receive money in less than 60 seconds.", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "OFFSET", "additionalInfo": "100% Offset to the linked eligible MyState Bank loan account.", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "NPP_PAYID", "additionalInfo": "Send and receive money in less than 60 seconds. Add your mobile number or email address as a PayID and use this in place of your BSB and Account number.", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "OTHER", "additionalInfo": "Insights Hub\nInsights takes your everyday account activity and turns it into helpful, personalised information about the way you use your money. It's like personal financial support in your pocket - everything you need to know to keep on top of your bills, manage your spending and maximise your opportunities to save.", "additionalInfoUri": "https://mystate.com.au/bank-accounts/ways-to-bank/digital-banking/personalised-banking/", "additionalValue": null }, { "featureType": "UNLIMITED_TXNS", "additionalInfo": "Unlimited Electronic Transactions A separate fee is payable for each Bank@Post transaction.\nA direct ATM charge may be applied by the ATM owner at the time of the transaction. ", "additionalInfoUri": null, "additionalValue": null } ], "fees": [ { "feeType": "EVENT", "name": "Transaction Trace Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Per Transaction or Trace Search ", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Overdrawn Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Per daily occurrence, for any savings or transaction account (with or without an pproved overdraft limit) where we honour a transaction that overdraws the account or exceeds\n the authorised overdraft limit.", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": "5.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "BPAY Query and Correction Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee is charged when you request a trace or a \ncorrection of a BPAY transaction. ", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "PERIODIC", "name": "Monthly Account Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": "P1M", "amount": "8.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Transaction Verification Fee, Copy of Sales Voucher", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Charged when we are requested to investigate a transaction \nor a copy of the sales voucher is requested. The fee will not \nbe charged if we find that the transaction is incorrect", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Repurchase of Foreign Currency Documents", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when you request us to purchase overseas drafts, \npersonal cheques or negotiable instruments up to AUD $2,000 value. Fee is charged when the foreign currency documents are repurchased.", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "10.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Repurchase of Foreign Currency Documents on a Collection Basis", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when you request us to purchase overseas \ndrafts, personal cheques or negotiable instruments over AUD$2,000 and/or requiring collection prior to payment. Fee is charged when funds are returned from the overseas bank and credited to your account. ", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "55.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Telegraphic Transfer (Inward)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when a telegraphic transfer into your account from another party sent in a foreign currency. \nFee is charged at the time the transfer is received", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "7.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Telegraphic Transfer Outward (foreign currency)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when you request us to make a telegraphic transfer to another party in a foreign currency. Fee is charged at the time the transfer is requested", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "30.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "VARIABLE", "name": "Visa Overseas Emergency Cash Advance", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Third party charge not ascertainable until event occurs", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": null, "balanceRate": null, "currency": "aud", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Pay someone using BSB & account number", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Overdrawn Account Interest", "accrualFrequency": "P1M", "accruedRate": null, "additionalInfo": "Deposit accounts without overdraft arrangements must have a credit balance. We are under no obligation to honour cheques, or allow any withdrawal that would overdraw an\n account without an approved overdraft facility.\n\nIf we honour a cheque or debit which overdraws an account, the amount overdrawn (referred to as the credit provided) will attract debit interest charged to the account on the last\n day of the calendar month. This interest which\n will be charged to your account as 'Overdraft Interest' is calculated on the daily closing debit balance using the current 'Unarranged Borrowing Rate' shown in the Fees & Charges Deposit Accounts. Any credit provided is short term credit and must be repaid\n within 7 days of being provided. In addition, Overdrawn Administration Fees will be applied.", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/interest-rates/rates_lending.pdf", "additionalValue": null, "amount": null, "balanceRate": "0.001395", "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Stop Payment", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies if we receive a request to stop a payment. \nIt includes but not limited to direct debits, periodical \npayments and BPay future payments.", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": "30.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Certificates Supplied", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee is charged when a certified letter or statement is \nrequired.", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "10.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "PURCHASE", "name": "Foreign Currency Conversion", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Visa International will convert all transactions made in \nforeign currency or processed overseas on the Visa Debit \nCard into Australian dollars at the foreign exchange rate \nthat applies on the day the transaction is processed by \nVisa International.\nA Foreign Currency Conversion fee is payable for all of the \nfollowing transactions made using your Visa Debit Card: \n» All transactions made overseas \n» All transactions in a currency other than Australian \ndollars \n» All transactions made in Australia where the merchant is \nlocated overseas \n» All transactions made in Australia where the financial \ninstitution or entity processing the transaction is located \noverseas.\nTransactions may not be processed to your account on the \nsame day. To the extent permitted by law, you bear the risk \nof change in exchange rates in the intervening period.\nRefunds in currencies other than Australian dollars are \nconverted to Australian dollars as at the date they are \nprocessed by Visa using exchange rates determined by \nthem. This may lead to the refund being converted using \nan exchange rate different from the one used to convert the \noriginal purchase. The foreign currency conversion fee is \nnot refundable as the fee is applied for facilitating the initial \ntransaction.", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": null, "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": "0.000325" }, { "feeType": "TRANSACTION", "name": "Transfers between your accounts", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Swift, Telegraphic & Electronic Transfer (Inward)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "SWIFT electronic payment or inward telegraphic transfer \nto us from another financial institution.", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "7.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Swift & Electronic Funds Transfer (Outward) within Australia", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Transfer of Australian Dollars in Australia that on receipt \nbecomes available to the recipient via SWIFT electronic \npayments.", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Pay someone using PayID", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "BPAY transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Direct Debit", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "PayTo transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "EFTPOS transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "ATM transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "You may be charged a fee by an ATM operator", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Cash withdrawal", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Staff assisted transactions (completed by a Branch or Customer Care staff member", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "0.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Bank Cheque", "accrualFrequency": null, "accruedRate": null, "additionalInfo": null, "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "16.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Bank@Post withdrawal fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee is debited on the day of the transaction and is charged in addition to any electronic transaction fee which may apply.", "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf", "additionalValue": null, "amount": "4.30", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "MyState Bank Corporate Cheque", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when we draw a cheque from your account \nat your request.\nThis fee is charged on the day of the transaction.", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "8.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Telegraphic Transfer Outward (Australian dollars)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when you request us to make an overseas \ntelegraphic transfer to another party in Australian dollars. \nFee is charged at the time the transfer is requested. ", "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf", "additionalValue": null, "amount": "45.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null } ], "lendingRates": [] } }