---
title: "Loan offset account — Cairns bank"
description: "Transaction & Savings Accounts from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/S3
source: "CDR Compare"
language: en-AU
last_updated: 2025-07-03T09:18:22.000+10:00
---

# Loan offset account — Cairns bank

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

**Transaction & Savings Accounts · Cairns Bank**

A 100% offset account for home loan customers

## At a glance

- **Base rate:** 0%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | — | monthly |

## Features

- **Card access**
- **Digital banking**

## Eligibility

- **Offset account only available with the L25 Plus Home Loan product**

## Constraints

- **Maximum balance** — $100,000.00 (Where the Plus product is selected, the maximum reduction of the balance owing which will be allowed is $100,000 in aggregate.)

## More information from Cairns bank

- [Terms & conditions](https://cairnsbank.com.au/information-and-support/disclosure/)
- [Fees & pricing](https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/)

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `S3`
- Last updated by the provider: 2 July 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/S3
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/S3) — 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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