---
title: "AMP Offset Deposit Account — AMP - My AMP"
description: "Transaction & Savings Accounts from AMP - My AMP. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/amp-my-amp/products/AMP_OFFSET_ACCOUNT
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-24T16:00:00.000Z
---

# AMP Offset Deposit Account — AMP - My AMP

> Transaction & Savings Accounts from AMP - My AMP. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Lending and bank accounts, both associated with BSB number 939 200**

Reduce the term and interest repayments on your home loan

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at AMP - My AMP](https://secure.amp.com.au/ddc/public/ui/offset-account)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (100% interest offset against attached loan account) | 0% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Account Management Fee - Basic Home Loan offset — Charged monthly · Only payable when your offset account is attached to a Basic Variable Home Loan. Fee is not applicable to offset accounts attached to any other loan type. | Ongoing | $6.00 |
| International ATM cash withdrawal fee — When you withdraw from your account at any international ATM | Withdrawal | $4.50 |
| Currency conversion fee — When you use your AMP Visa Debit Card to make a purchase overseas or withdraw from an ATM overseas in a foreign currency and the transaction is converted to Australian dollars | Transaction | 2.5% of transaction |
| Emergency replacement AMP Visa Debit Card fee — When you request urgent delivery of a replacement AMP Visa Debit Card | Replacement | $15.00 |
| Inward SWIFT fee - deposits — When funds are transferred to your account (by SWIFT) from a bank in Australia or overseas (in Australian dollars) | Deposit | $30.00 |
| Telegraphic transfer fee - withdrawals — When you request us to transfer funds from your account (by SWIFT) to a bank in Australia (in Australian dollars) When you request us to transfer funds from your account (by telegraphic transfer) to an overseas bank (in Australian dollars or a foreign currency). | Withdrawal | $30.00 |
| Transaction trace fee — When you request us to investigate and trace a transaction | Event | $20.00 |
| Visa dispute fee — When you dispute a Visa transaction and we do not find in your favour | Event | $25.00 |
| Audit certificate fee — When you or an auditor request an audit certificate for your account | Event | $25.00 |

## Features

- **Card access** — Visa Debit Card (A card is available for the product to access funds)
- **Unlimited transactions** (Unlimited free transactions available)
- **Digital wallet** — Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card (A Digital wallet can be attached to the product)
- **Digital banking** (Access is available to online banking features for the product)
- **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment)

## Constraints

- **Minimum balance** — $0.00 (You don't need to maintain a specific minimum balance)
- **Maximum balance** — $5,000,000.00 (Balances over $5,000,000 are available at our discretion.)

## Data provenance

- Published by AMP - My AMP under the Consumer Data Right
- Product ID: `AMP_OFFSET_ACCOUNT`
- Last updated by the provider: 24 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/amp-my-amp/AMP_OFFSET_ACCOUNT
- Provider page: https://www.cdrcompare.au/brands/amp-my-amp
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000028

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/amp-my-amp/products/AMP_OFFSET_ACCOUNT) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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