All-In-One Account
The All-In-One Account is a flexible line of credit which combines a home loan and transaction account all into one convenient account giving you 24/7 access to your funds at a competitive variable interest rate.
- From (owner occupied)
- 7.7%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Total Home Loan Package owner occupied, LVR >0 - <=90% & a minimum loan amount of $50,000. Conditions apply. | 7.7% | — | — |
| Variable Standard Variable Rate owner occupied, LVR >0 - <=90%. Conditions apply. | 8.7% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Mortgage Loan Establishment Fee This fee is payable on establishment of the loan.
| Upfront | $445.00 |
| Mortgage Discharge, Settlement or Partial Discharge Fee Payable whenever a mortgage is discharged or partially discharged | Event | $350.00 |
| Loan Variation Documentation Fee This fee is payable when a property already held by us as security is to be used as security for additional credit.
| Upfront | $345.00 |
| Default Notice Fee This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage. | Event | $20.00 |
| Mortgage Loan Settlement Fee (a) This fee is payable for a new loan settled.
| Upfront | $200.00 |
Features
- Additional cards
- Bill payment (BPAY) — BPAY available.
- Card access — Visa Debit Card available
- Discounts on other products — Total Home Loan Package Benefits
- The Total Home Loan Package offers a waived Annual Fee on the Low Rate Credit Card and no monthly fee on eligible car and personal loans settled from 13 January 2025. Conditions apply.
- Digital banking
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
- Digital wallet — Mobile Wallet
- Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.
- Notifications
Eligibility
- Employment status — Lending criteria, requirements and terms and conditions apply
- Minimum age — 18 yearsAvailable for customers aged 18 years and over
- Individuals only
- Membership: You must be or become a Beyond Bank Australia member.
- Lending criteria, requirements and terms and conditions apply
- Pension recipientsLending criteria, requirements and terms and conditions apply
- Residency status — Australian CitizenMust be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.
Constraints
- Maximum limit — $2,000,000.00Maximum loan amount can be up to 90% of the value of the security property. Subject to lending criteria.
- Maximum LVR — 90%
- Minimum limit — $10,000.00
- Minimum LVR — 0%
More Information
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 33 · View on CDR.gov.au