Section M: Fees & Charges

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal or Enquiry

When you make a withdrawal or enquiry at an International ATM using your Debit Mastercard.

Free

Note: ATM operators may charge you a fee for using their ATMs. In Australia and many other countries, ATM providers must tell you if they're going to charge a fee, and the amount of the fee, and you have the option of proceeding with or cancelling the transaction or enquiry before the fee is incurred. However, in other parts of the world you won't always be notified that a fee applies or the amount of the fee. Any fees charged by an ATM provider will be debited to your account where you use their ATM, including in a country where the fees are not required to be notified to you before being incurred. We suggest reading up on your travel destination before you travel and, if in doubt, check the applicable fees with the ATM provider before using an ATM.

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

2Up Plastic Card

2Up cards can be ordered through the app for a one-off charge. Note: a digital debit card comes free with 2Up.

$10.00

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Note: Transfer of Australian dollars or foreign currency into any Bendigo and Adelaide Bank account may incur a handling or acceptance fee by the accepting bank and / or intermediary bank(s), (the amounts of which are not disclosed to us). These fees may be deducted from the total funds originally remitted.

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal or Enquiry

When you make a withdrawal or enquiry at an International ATM using your Debit Mastercard.

Free

Note: ATM operators may charge you a fee for using their ATMs. In Australia and many other countries, ATM providers must tell you if they're going to charge a fee, and the amount of the fee, and you have the option of proceeding with or cancelling the transaction or enquiry before the fee is incurred. However, in other parts of the world you won't always be notified that a fee applies or the amount of the fee. Any fees charged by an ATM provider will be debited to your account where you use their ATM, including in a country where the fees are not required to be notified to you before being incurred. We suggest reading up on your travel destination before you travel and, if in doubt, check the applicable fees with the ATM provider before using an ATM.

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

2Up Plastic Card

2Up cards can be ordered through the app for a one-off charge. Note: a digital debit card comes free with 2Up.

$10.00

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal or Enquiry

When you make a withdrawal or enquiry at an International ATM using your Debit Mastercard.

Free

Note: ATM operators may charge you a fee for using their ATMs. In Australia and many other countries, ATM providers must tell you if they're going to charge a fee, and the amount of the fee, and you have the option of proceeding with or cancelling the transaction or enquiry before the fee is incurred. However, in other parts of the world you won't always be notified that a fee applies or the amount of the fee. Any fees charged by an ATM provider will be debited to your account where you use their ATM, including in a country where the fees are not required to be notified to you before being incurred. We suggest reading up on your travel destination before you travel and, if in doubt, check the applicable fees with the ATM provider before using an ATM.

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

2Up Plastic Card

2Up cards can be ordered through the app for a one-off charge. Note: a digital debit card comes free with 2Up.

$10.00

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal

When you make a withdrawal at an International ATM using your Debit Mastercard.

Free

International ATM Enquiry

When you make an enquiry at an International ATM using your Debit Mastercard.

Free

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

2Up Plastic Card

2Up cards can be ordered through the app for a one-off charge. Note: a digital debit card comes free with 2Up.

$10.00

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal

When you make a withdrawal at an International ATM using your Debit Mastercard.

Free

International ATM Enquiry

When you make an enquiry at an International ATM using your Debit Mastercard.

Free

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Note: Transfer of Australian dollars or foreign currency into any Bendigo and Adelaide Bank account may incur a handling or acceptance fee by the accepting bank and / or intermediary bank(s), (the amounts of which are not disclosed to us). These fees may be deducted from the total funds originally remitted.

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal

When you make a withdrawal at an International ATM using your Debit Mastercard.

Free

International ATM Enquiry

When you make an enquiry at an International ATM using your Debit Mastercard.

Free

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal

When you make a withdrawal at an International ATM using your Debit Mastercard.

$5.00

International ATM Enquiry

When you make an enquiry at an International ATM using your Debit Mastercard.

$1.50

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee (including Osko)

Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.
2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.

There are three types of fees and charges which can apply to your account:

1. Transaction fees
2. Other fees and charges
3. Government charges

This is an important section. It provides you with information about the fees and charges applicable to your accounts.

Fees and charges and Government charges may apply to your account and your use of payment facilities. You authorise us to debit these fees and charges and Government charges to your account. Current fees and charges are set out in this document.

We may change the fees and charges from time to time including introducing new fees and charges and Government charges. However, we will not introduce entry fees, exit fees or charges for the management of funds, excluding charges for the maintenance of the account. There is no maximum limit for the amount of fees and charges we may impose. If the law regulates such a change we will only make the change to the extent permitted by, and subject to, the requirements of that law.

We may at our sole discretion waive any or all fees and charges from time to time, substitute one fee or charge for an alternative fee or charge, or impose a lower fee or charge.

Transaction Fees

Unless otherwise stated, the following fees & charges are charged to your account at the time of the transaction.

Retail Purchase

When you make a payment for goods and services with your Debit Mastercard by mail, telephone or Internet, or through a manual merchant facility or EFTPOS terminal where "credit" is selected.

Free

EFTPOS Withdrawal

When you make a payment for goods and services by selecting "savings" or "cheque", or request cash from an EFTPOS terminal using a PIN in conjunction with your Debit Mastercard.

Free

Pay Anyone Transfer

When you instruct us to make a payment to another account at any financial institution within Australia using the Pay Anyone Service.

Free

BPAY Payment

When you instruct us through the Up app to pay a bill via the BPAY scheme.

Free

Direct Debit

When you make an arrangement with a third party to automatically debit your account, e.g. insurance and health fund premiums, membership and subscription payments.

Free

ATM Withdrawal, Balance Enquiry or Transfer

When you make a withdrawal, balance enquiry or transfer at an ATM in Australia using your Debit Mastercard.

Free

Note: Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows you to accept or decline the fee as shown.

International ATM Withdrawal

When you make a withdrawal at an International ATM using your Debit Mastercard.

$5.00

International ATM Enquiry

When you make an enquiry at an International ATM using your Debit Mastercard.

$1.50

Other Fees & Charges

Unless otherwise stated, the following fees & charges are charged to your account when you request us to provide the service.

Replacement Card Fee

Charged when you request a replacement or re-issue of your Debit Mastercard.

Free

Express card delivery or redirection.

$15.00

Emergency Replacement Cards

Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

$100.00

Sales Voucher Retrieval Fee

Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

$10.00 per retrieval

Audit Request

When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.

$60.00 per hour (minimum charge $30.00)

BPAY Transaction Trace Fee

When you request us to trace a bill payment you have made through the BPAY scheme.

$20.00

BPAY transaction Recall Fee

When you request us to recall a bill payment you have made through the BPAY scheme.

$20.00

Pay Anyone Trace Fee

Applies to each direct entry transaction where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

$30.00

International Inward Telegraphic Transfers

Acceptance of payments in a foreign currency for SWIFT transfer into your account.

$10.00

Acceptance of payment in AUD currency for SWIFT transfer into your account.

$2.00

Domestic Inward Telegraphic Transfer

Acceptance of a payment from an Australian financial institution for fast transfer into your account.

$2.00

Domestic Telegraphic Transfer Return Request

Applies if you request the return payment of a telegraphic transfer.

$25.00

Tips on minimising your transaction fees

There are several ways in which you can minimise your transaction fees. They include:

1. By making withdrawal and deposit transactions that are free of transaction fees.

2. If using an ATM which charges you a fee, withdrawing more cash less often may reduce the number of transactions you make.

As these tips have been prepared without taking into account your objectives, financial situation or needs, before acting on these tips, you should consider how appropriate they are having regard to your objectives, financial situation and needs.