---
title: "100% Loan Offset — Maitland Mutual Limited"
description: "Transaction & Savings Accounts from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/100_percent_Loan_Offset
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-30T13:03:38.000+10:00
---

# 100% Loan Offset — Maitland Mutual Limited

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

**Transaction & Savings Accounts · The Mutual Bank**

A transaction account which offsets eligible home loans.

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Penalty Interest will be charged on overdrawn accounts.) | 0% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 100%_OFFSET_ACCOUNT — Charged monthly · Monthly account keeping fee. Waived if Package Home Loan held. | Ongoing | $7.50 |
| CHEQUE_DISHONOUR — A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured. | Event | $9.00 |
| DIRECT_ENTRY_DISHONOUR — Payable when a direct entry (inward and outward) is dishonoured. | Event | $9.00 |
| DOCUMENT_FEE — $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase. | Event | $60.00 |
| FINANCIAL_INSTITUTION_CHEQUE — Payable when you request us to issue a financial institution cheque. | Event | $2.50 |
| FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE — A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card. | Transaction | 1% of transaction |
| MISCELLANEOUS_SERVICE_FEE — $60.00 per hour. Payable if you request information not covered by the Document Fee. | Event | $60.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY — Payable if we assist you send funds electronically overseas in Australian dollars. | Event | $50.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY — Payable if we assist you send funds electronically overseas in a foreign currency. | Event | $30.00 |
| PHYSICAL_FOREIGN_CURRENCY — 1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased. | Transaction | 1% of transaction |
| UNCLAIMED_MONIES_FEE — The lessor $20.00 or account balance. Payable when an account is classified as dormant. | Cash advance | $20.00 |
| ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD) — Payable if you use online banking to transfer funds internationally. | Event | $30.00 |
| REPLACEMENT_CARD_FEE_(INTERNATIONAL) — Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed. | Event | $100.00 |
| REPLACEMENT_CARD_FEE_-_VISA_DEBIT_CARD — $Nil - Payable if you request a replacement Visa Debit Card. | Cash advance | Variable |
| ATM_OWNER_FEE — This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry. | Cash advance | Variable |
| OVERDRAWN_FEE — If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order. | Event | $9.00 |

## Features

- **Additional cards**
- **Bill payment (BPAY)** — BPAY (Pay bills using BPAY)
- **Card access** — Visa Debit Card
- **Digital banking**
- **PayID**
- **Real-time payments (NPP)**
- **Offset account** (100% Offset when linked to an eligible Home Loan)
- **Unlimited transactions**
- **Notifications** — Mutual Alerts - Balance, low and high balance, deposit, withdrawal
- **Digital wallet** — Apple Pay & Google Pay
- **Staff assisted transactions - Branch and Contact Centre**

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Individuals only** (Available for personal use only)
- **Minimum age** — 18 years
- **Must hold an eligible variable rate Mutual Bank loan - Package Home Loan or Standard Home Loan**

## Constraints

- **Opening balance** — $0.00
- **Minimum balance** — $0.00

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/everyday-banking/transaction-accounts/100-loan-offset/)
- [Terms & conditions](https://www.themutual.com.au/help-support/important-documents/)
- [Eligibility](https://www.themutual.com.au/help-support/important-documents/)
- [Fees & pricing](https://www.themutual.com.au/help-support/important-documents/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `100_percent_Loan_Offset`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/100_percent_Loan_Offset
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/100_percent_Loan_Offset) — 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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