---
title: "Mortgage Offset Account — Geelong Bank"
description: "Transaction & Savings Accounts from Geelong Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/geelong-bank/products/S10
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-25T09:53:17.000+10:00
---

# Mortgage Offset Account — Geelong Bank

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

**Transaction & Savings Accounts · GEELONG BANK**

A 100 per cent Offset account is a great way to reduce the interest you pay on your home loan

## Apply

Applications are handled by the provider: [Apply at Geelong Bank](https://geelongbank.com.au/tools/forms/savings-account-application/)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| DIRECT_DR_DISH_FEE | Dishonour | $10.00 |
| DORMANT_ADMIN_FEE — Charged yearly | Ongoing | $20.00 |
| OVERDRAWN_ACC_FEE | Event | $15.00 |
| TELEGRAPHIC_TSF_FEE_STAFF_ASSISTED_FEE | Transaction | $30.00 |
| TELEGRAPHIC_TSF_ONLINE_FEE | Transaction | $15.00 |
| STATEMENT_REPL_FEE | Event | $3.00 |
| FOREIGN_CHEQUE_DEPOSIT_FEE_<_$25,000 | Deposit | $5.00 |
| FOREIGN_CHEQUE_DEPOSIT_FEE_>_$25,000 | Deposit | $50.00 |
| PERIODICAL_PYT_OTC — Unlimited free if banking relationship is over $50,000 | Event | $2.50 |
| PERIODICAL_PYT_VARIATION_FEE | Event | $3.50 |
| RTGS_(SWIFT)_INCOMING_FEE | Deposit | $8.05 |
| RTGS_(SWIFT)_OUTGOING_PYT_FEE | Event | $13.27 |
| VOUCHER_RECORD_SEARCH | Event | $40.00 |
| VOUCHER_RETRIEVAL_FEE | Event | $40.00 |
| COIN_HANDLING_OVER_$100_FEE — over $100 cost $2 per $200 | Event | $2.00 |

## Features

- **Digital banking**
- **PayID**
- **Real-time payments (NPP)**
- **Notifications** — Track credits with SMS and email alerts
- **No monthly access fee**
- **eStatements available**
- **Offset account**
- **Fraud protection**

## Eligibility

- **Residency status** — Individuals must be citizens or permanent residents of Australia.
- **Minimum age** — 18 years

## More information from Geelong Bank

- [Overview](https://geelongbank.com.au/savings-loans/home-loans/mortgage-offset-account/)
- [Terms & conditions](https://geelongbank.com.au/about-us/disclosures-publications/)
- [Eligibility](https://geelongbank.com.au/about-us/why-join-geelong-bank/)
- [Fees & pricing](https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/)

## Data provenance

- Published by Geelong Bank under the Consumer Data Right
- Product ID: `S10`
- Last updated by the provider: 24 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/geelong-bank/S10
- Provider page: https://www.cdrcompare.au/brands/geelong-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000082

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/geelong-bank/products/S10) — 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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