---
title: "SMF Superannuation — SWSbank"
description: "Transaction & Savings Accounts from SWSbank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/swsbank/products/S9_SMF
source: "CDR Compare"
language: en-AU
last_updated: 2025-09-15T11:05:05.000+10:00
---

# SMF Superannuation — SWSbank

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

**Transaction & Savings Accounts · South West Slopes Credit Union Ltd trading as SWSbank**

SMF Superannuation

## At a glance

- **Base rate:** 2%

## Apply

Applications are handled by the provider: [Apply at SWSbank](https://swscu.apply-online.com.au/#/5e7b4a3f-73sghs-4d7a-93c1-8cbaf6fcb318)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 2% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EXCESS_TRANSACTION_FEES — Excess Transaction Fees are incurred when the number of Free Transactions for the month are exceeded. | Event | 0% of transaction (monthly) |
| CHARGEBACK_EFT_DISPUTE | Event | $20.00 |
| CHARGEBACK_VOUCHER_RETRIEVAL_FEE — fee per transaction lodged per Visa Dispute | Event | $30.00 |
| CHEQUE_DEPOSIT_DISHONOUR_FEE — Cheque Deposited to members account is dishonoured | Transaction | $5.00 |
| CHEQUE_TRACE_FEE — establish final destination (who received cheque value) | Event | $45.00 |
| CURRENCY_CONVERSION_FEE_VD — Visa Debit 2% of transaction amount will apply to any foreign currency | Transaction | 2% of transaction |
| DIRECT_DEBITS_DISHONOUR_FEE — authoiryt to directly debit account is dishonoured due to insufficient funds | Transaction | $15.00 |
| DORMANT_ACCOUNT_FEE — No member generated activity for at least 2 years with no member response | Event | $10.00 |
| DUPLICATED_MEMBER_STATEMENT_FEE | Event | $3.00 |
| ELECTRONIC_PAYMENT_FEE — to Establish Direct Entry final destination, manual dishonour, Bpay enquiry and/or correction, Mistaken Payment | Event | $25.00 |
| MEMBER_CHEQUE_BOOKS_25_LEAF — Cheque Boo Fee 25 leaf book | Upfront | $8.00 |
| MEMBER_CHEQUE_BOOK_100_LEAF — 100 Leaf cheque book fee | Upfront | $20.00 |
| MEMBER_CHEQUE_COPY — charged to produce a copy or enquiry of cheque details | Event | $25.00 |
| MEMBER_CHEQUE_DISHONOUR_FEE — Member Cheque Dishonour Fee | Transaction | $15.00 |
| REFERRAL_FEE — applied each time account is overdrawn without arrangements as result of cheque or direct debits being honoured | Transaction | $10.00 |
| SWIFT_PAYMENTS_(RTGS) — Incoming RTGS charge | Event | $10.00 |
| SWIFT_PAYMENT_(RTGS) — Outbound RTGS Domestic payment | Event | $15.00 |
| VISA_CARD_FEE | Event | $15.00 |

## Features

- **Card access** — Visa Debit Card Available
- **Bill payment (BPAY)** (Periodical Payments System)
- **Digital banking** (Internet Banking & App available)
- **Digital wallet** (Apple Pay, Samsung Pay & Andriod Pay available)
- **Notifications** (Alerts available)
- **Real-time payments (NPP)**
- **PayID** (NPP PayID available for this account)
- **Overdraft available** (Overdraft facility available on successful credit application)

## Eligibility

- **Business customers**
- **Minimum age** — 18 years
- **Individuals only**
- **Pension recipients**
- **Residency status** — Australian citizen or permanent resident

## More information from SWSbank

- [Overview](https://www.swsbank.com.au/accounts/savings-accounts/superannuation-account/)
- [Fees & pricing](https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/)

## Data provenance

- Published by SWSbank under the Consumer Data Right
- Product ID: `S9_SMF`
- Last updated by the provider: 15 September 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/swsbank/S9_SMF
- Provider page: https://www.cdrcompare.au/brands/swsbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000185

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/swsbank/products/S9_SMF) — 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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