S12 Smart
For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account
- Base rate
- 2.1%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable A overdraft facility is available on this account. Debit interest is charged every month | 0% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 1.25% | S12 Smart_Tier_1 | monthly |
| Variable | 1.3% | S12 Smart_Tier_2 | monthly |
| Variable | 1.4% | S12 Smart_Tier_3 | monthly |
| Variable | 1.45% | S12 Smart_Tier_4 | monthly |
| Variable | 2.1% | S12 Smart_Tier_5 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| DIRECT_DEBIT_REJECTION_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 |
| MONTHLY_VISA_CARD_FEE Capped at $0.00 · Fee is applicable to active cards only
| Cash advance | $2.00 |
| OVERDRAFT_ESTABLISHMENT_FEE Capped at $0.00 · Only applicable when applying for an Overdraft facility | Cash advance | $150.00 |
| PAPER_STATEMENT_FEE Capped at $0.00
| Cash advance | $2.50 |
| OVERDRAWN_ACCOUNT_FEE Capped at $0.00 | Cash advance | $10.00 |
Features
- Unlimited transactions
- Card access
- Digital banking
- Digital wallet — Apple, Samsung & Google pay
- Funds at call
Eligibility
- Residency status — Australian Residences only
- Minimum age — 18 years
- Must have a Smart or Premium Smart Home Loan
More Information
Published by Central West CUL under the Consumer Data Right · Last updated 31 May 2026 · Product ID S12_Smart · View on CDR.gov.au