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Bank & Save

Mortgage Offset Account.

Access your cash. Reduce the interest payable.

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What is a Mortgage Offset Account?

The Mortgage Offset Account can be used as a full transaction or savings account which is linked to an eligible variable home or investment loan. The balance in this account is offset against your loan balance, reducing the interest payable on that loan and helping you save interest and pay off your loan sooner.

Easy access
24/7 access to funds for everyday expenses via Internet, Mobile or Telephone Banking.
Transact and save
Open and link multiple offset accounts, use one to transact and another to save.
Contactless payments
Load your Beyond Bank Visa Debit card to your phone to make fast and easy transactions using your digital wallet.

Ready to apply?

The Mortgage Offset Account is available to all personal customers with a qualified Beyond Bank Home Loan. This account can only be opened with assistance from one of our friendly staff.

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Interest rates, fees and charges.


All balances

100% of the linked loan account interest rate.

Fees that don't apply

Direct Credits


Over the counter cash and/or cheque deposits


Visa Purchases


ATM Withdrawals^


BPAY performed using Internet, Mobile or Telephone Banking


Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by BSB and account number


Transfers using Mobile Banking


PayTo payments using Mobile Banking


^Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.

Fees that apply which are included in Monthly Free Allowance


Fee each

Direct Debits


Eftpos purchases (with or without cashout)


Visa purchase with cashout


Transfers between accounts with us using Internet Banking or Account Information Line and addressed by a PayID


Transfers to an account at another financial institution using Internet Banking


Electronic external periodic or bill payments


Over the counter cash withdrawals


Staff-assisted transfers & BPAY payments~


PayTo payments using Internet Banking


~Customers over the age of 70 years and transfers to Beyond Bank term deposits are exempt.

The following transactions fees also apply and are not included in any Monthly Fee Allowance


Fee each

Declined ATM, eftpos or Visa Debit transactions:¹ one free per relationship per month then:


Visa Debit card overseas ATM withdrawals


Foreign Currency Conversion Fee

3.0% of the value of the transaction

Bank@Post deposits


Bank@Post withdrawals


Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.
View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

Other ways we can help.

Chat with our local customer service team or find your answer in our Frequently Asked Questions.
Contact us
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