Everyday Account with partial interest offset

Transaction & Savings AccountsData Sharing Status

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

Base rate: 0.01%

Apply at Newcastle Permanent Building Society

Deposit Rates

Type	Rate	Applies To	Interest Paid
Variable For portion not offset against loan	0.01%	Entire Balance	monthly

Fees

Fee	Type	Amount
Account Overdrawn	Event	$5.00
Real Time Gross Settlements (RTGS) - Outward NPBS fee Capped at $0.00	Withdrawal	$30.00
Real Time Gross Settlements (RTGS) - Inward NPBS fee Capped at $0.00	Deposit	$12.00
Card Replacement Overseas Capped at $0.00	Replacement	$100.00
Foreign Currency Conversion Capped at $0.00	Purchase	3% of transaction
Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee Capped at $0.00 · Unascertainable	Deposit	Variable
Financial Institution Cheque	Withdrawal	$10.00
Financial Institution Cheque Replacement

Features

Card access — Option of Visa Debit Card OR cashcard
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 — Apple Pay: Available for Visa cards only.

Eligibility

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

More Information

Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID AC_everydayoffsetpartial · View on CDR.gov.au