--- title: "Flexible Loan Offset Account — Hume Bank" description: "Transaction & Savings Accounts from Hume Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/hume-bank/products/S14V1 source: "CDR Compare" language: en-AU last_updated: 2026-06-15T09:41:03.000+10:00 --- # Flexible Loan Offset Account — Hume Bank > Transaction & Savings Accounts from Hume Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts · HUME BANK LIMITED** Enjoy the flexibility of an everyday transaction account, while the balance offsets what's owed on an eligible Hume Bank home loan to reduce the interest you pay. ## Fees | Fee | Type | Amount | | --- | --- | --- | | ARCH — Archive search fee - Retrieval of account information - $50/per hour. Min $10 | Event | $10.00 | | FEEADDCARD — Additional card fee - Payable for the second and any subsequent card request per customer | Event | $10.00 | | FEEBILLCOLL — Bill for collection fee - Payable when you deposit a foreign currency cheque of $5000 or more | Event | $50.00 | | FEECOINDEP — Coin deposit fee - Payable when you ask us to count large amounts of coin (over $200 in value). Not applicable when you use a coin counting $200 in value). Not applicable when you use a coin counting | Deposit | $2.00 | | FEEDDHON — Direct Debit honour fee - Insufficient cleared funds in your account to meet debit request | Transaction | $15.00 | | FEEINACT — Inactive account fee - Where your account has not been transacted upon for a period of 24 months or more | Event | $20.00 | | FEEFORCASH — Foreign Cash - When you purchase foreign cash. 1% of the order value in $AUD | Withdrawal | 1% of balance (D) | | FEEMANRET — Manual return fee - direct debit - Payable each time you request us to manually return a direct debit payment without cancelling the direct debit arrangement | Event | $15.00 | | FEEPPALT — Periodical payment alteration - Each additional alteration after a total of four consecutive alterations | Event | $5.00 | | FEETT — Telegraphic Transfer - When you send money overseas in a foreign currency online | Transaction | $15.00 | | FEEDETRACE — Transaction trace fee - Payable when you request the trace of a BPAY, NPP/Osko or anyother external transaction | Event | $20.00 | | FEEDDDIS — Direct Debit dishonour fee - Insufficient cleared funds in your account | Event | $15.00 | | FEEFORCHQ — Foreign currency cheque deposits - When you deposit a foreign currency cheque of under $5000 to your account | Deposit | $20.00 | | FEERTGS — Real Time Gross Settlement - Where you request a transaction to be processed via RTGS | Event | $20.00 | | FEESTATREQ — Statement request - A request to provide a copy statement or a statement on a passbook account $2 per page | Event | $2.00 | | FEECARDREP — Card Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional card | Event | $10.00 | | FEECHQDIS — Dishonour fee personal or business cheque - Insufficient cleared funds in your account, cheque returned to drawer | Event | $20.00 | | FEESTOPCHQ — Stop cheque request - When you ask us to stop a cheque | Event | $5.00 | | FEEMEMCHQ — Member cheque - Payable when a cheque is deposited into an account | Deposit | $0.80 | | FEETTAUD — Telegraphic Transfer AUD - When you send money overseas in Australian Dollars | Event | $50.00 | | FEETTBR — Telegraphic Transfer - When you send money overseas in a foreign currency staff assisted | Transaction | $30.00 | ## Features - **Card access** - **Real-time payments (NPP)** - **PayID** - **Digital banking** - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Additional cards** - **Bill payment (BPAY)** — BPAY - **Digital wallet** — Samsung Wallet - **Digital wallet** — Garmin Pay - **Up to 8 100% interest offset accounts on eligible Hume Bank Home Loan** - **Electronic or paper statements** - **Chequebook access only available on accounts that have an existing cheque facility attached with a chequebook issued prior to 30 June 2025** - **No monthly account keeping fee** - **Unlimited, electronic and staff assisted transactions** - **Fraud protection** ## Eligibility - **Minimum age** — 18 years (18) - **Must have an eligible Hume Bank Home Loan** - **Residency status** — Must be residing in Australia with an Australian residential mailing address ## More information from Hume Bank - [Overview](https://www.humebank.com.au/homes/loan-offset-account/) - [Terms & conditions](https://www.humebank.com.au/tools-help/product-tcs/) - [Eligibility](https://www.humebank.com.au/tools-help/product-tcs/) - [Fees & pricing](https://www.humebank.com.au/homes/loan-offset-account/) ## Data provenance - Published by Hume Bank under the Consumer Data Right - Product ID: `S14V1` - Last updated by the provider: 14 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/hume-bank/S14V1 - Provider page: https://www.cdrcompare.au/brands/hume-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000213 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/hume-bank/products/S14V1) — 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. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)