S11 Mortgage Offset Account
An Offset home loan allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable 100% offset, this account can only be offset against a Mortgage Smart Variable Rate Home Loan | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| DIRECT_DEBIT_REJECTION_FEE Capped at $0.00 | Cash advance | $10.00 |
| MONTHLY_VISA_CARD_FEE Capped at $0.00 · Fee is applicable to active cards only
| Cash advance | $2.00 |
| PAPER_STATEMENT_FEE Capped at $0.00
| Cash advance | $2.50 |
| OVERDRAWN_ACCOUNT_FEE Capped at $0.00 | Cash advance | $10.00 |
| DORMANT_ACCOUNT_FEE Capped at $0.00 · Charged after 2 years of inactivity | Cash advance | $10.00 |
| DECLINED_ATM/EFT_FEE Capped at $0.00
| Cash advance | $0.50 |
Features
- Card access — Visa debit card
- Unlimited transactions
- Digital wallet — Apple, Samsung & Google pay
- Digital banking
- Free transactions — 3
- 3 Free Bank@Post transactions per month
- Offset account
- Free transactions — 4
- 4 Free over the counter withdrawals per month
- Free transactions — 8
Eligibility
- Residency status — Australian Residents only
- Minimum age — 18 years
More Information
Published by Central West CUL under the Consumer Data Right · Last updated 9 June 2026 · Product ID Mortgage_Offset_Account · View on CDR.gov.au