---
title: "Everyday Account with 100pc interest offset — Newcastle Permanent Building Society"
description: "Transaction & Savings Accounts from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/AC_everydayoffset100
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Everyday Account with 100pc interest offset — Newcastle Permanent Building Society

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

**Transaction & Savings Accounts · Newcastle Permanent**

A flexible everyday account designed to help make banking easier offering a wide range of transactional facilities and unlimited free everyday transactions.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at Newcastle Permanent Building Society](https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Entire balance $0+ | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Card Replacement Overseas — Capped at $0.00 | Replacement | $100.00 |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee — Capped at $0.00 | Deposit | $12.00 |
| Financial Institution Cheque | Withdrawal | $10.00 |
| Visa Cash Advance — Capped at $0.00 | Cash advance | $5.00 |
| Document and Miscellaneous Service — Capped at $0.00 ·  $60/hour (min $10/copy) | Enquiry | Variable |
| Real Time Gross Settlements (RTGS) — Capped at $0.00 · When you send an RTGS | Withdrawal | $30.00 |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee — Capped at $0.00 · Unascertainable | Withdrawal | Variable |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee — Capped at $0.00 · Unascertainable | Deposit | Variable |
| Dishonour (Direct Debit and Cheque) — Capped at $0.00 | Dishonour | $9.00 |
| Financial Institution Cheque Replacement — Capped at $0.00 | Replacement | $15.00 |
| Foreign Currency Conversion — Capped at $0.00 | Purchase | 3% of transaction |
| Account Overdrawn | Event | $5.00 |

## Features

- **Card access** — Visa Debit Card (Cashcard no longer available for issue from 27 November 2024).
- **Real-time payments (NPP)** (OSKO)
- **Digital banking** (Internet Banking and Mobile Banking)
- **Bill payment (BPAY)** — BPAY View
- **PayID** (OSKO)
- **Unlimited transactions** (Unlimited free everyday transactions for: Automatic Transfers, Direct Debit Request, Internet banking, ATM Withdrawal (NP), BPAY, Visa Debit card purchase (when pressing the credit button), EFTPOS, Cheque Clearance, and Branch Withdrawal. Subject to amount limits.)
- **Digital wallet** — Google Pay (Available for Visa cards only.)
- **Digital wallet** — Apple Pay (Available for Visa cards only.)

## Eligibility

- **Individuals only** (This account is for personal use by individuals (no age restrictions apply) including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.)
- **Residency status** — Available to permanent Australian Residents

## More information from Newcastle Permanent Building Society

- [Overview](https://www.newcastlepermanent.com.au/personal/everyday-banking/everyday-account)
- [Terms & conditions](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)
- [Eligibility](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)
- [Fees & pricing](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `AC_everydayoffset100`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/AC_everydayoffset100
- Provider page: https://www.cdrcompare.au/brands/newcastle-permanent-building-society
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000299

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/AC_everydayoffset100) — 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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