Mortgage Offset Account
Transaction & Savings AccountsData Sharing Status
The Mortgage Offset Account is a full transactional account linked to an eligible variable rate home or investment loan. The balance of the account is offset against your loan reducing the interest payable.
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa Purchase with Cash Out | Transaction | $0.90 |
Staff Assisted Transfer Fee
| Transaction | $2.50 |
| Bank@Post Deposit Fee | Transaction | $2.00 |
| Bank@Post Withdrawal Fee | Transaction | $4.50 |
| Cash Advance/Overseas ATM Fee | Transaction | $4.50 |
Bpay Payment Fee
| Transaction | $2.50 |
| External Payment Fee | Transaction | $2.50 |
| Bill Payment Fee | Transaction |
Features
- Additional cards
- Bill payment (BPAY) — BPAY available.
- Card access — Visa Debit Card available
- 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 — Text Me or Push Notification Alert
- Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.
- Real-time payments (NPP)
Eligibility
- Minimum age — 18 years
- Individuals only
- Membership: You must be or become a Beyond Bank Australia member.
- Lending criteria applies for all loans.
- Must be linked to an eligible variable rate home loan or investment loan. 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.
More Information
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 40 · View on CDR.gov.au