Banking

Make your everyday banking easier

Everyday banking designed for Police, health and emergency services workers.

Our recognition

Our awards

  • Awarded for everyday value

    We won DBM’s Financial Award for the Most Recommended Everyday Account in March 2022*

  • Recognised for value

    We were awarded RateCity’s Gold Award for the Best 5-Year Fixed Home Loan in April 2022

  • Awarded for competitive rates

    We were awarded Canstar’s Customer Owned Bank of the Year – Term Deposits Award in June 2021

Compare

Our everyday banking products

Explore our products to support you in your everyday needs

Rates & fees

Read about our
rates & fees

  • Everyday Account
    Interest Rate (% PA)
    Variable Rate
    0.01%
    Low Rate Visa
    Interest Rate (% PA)
    6 month introductory rate (1)
    6.99%
    Ongoing variable rate
    11.95%
    1. (1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

    BankVic Qantas Visa
    Interest Rate (% PA)
    6 month introductory rate (1)
    6.99%
    6 month balance transfer rate (2)
    6.99%
    Ongoing variable rate
    16.95%
    1. (1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

    2. (2) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.

    Overdraft
    Interest Rate (% PA)
    Variable rate
    12.95%
    Personal Loan
    Base Rate (% PA)
    Comparison Rate (% PA)
    Personal loan variable rate
    9.95%
    10.08%
    Car Loan
    Base Rate (% PA)
    Comparison Rate (% PA)
    Car loan fixed rate
    6.99%
    7.12%
  • DEBIT CARD FEES
    Fee Types
    Fees
    Disputed transaction
    $25 per transaction
    Card replacement in Australia
    $10
    Card replacement overseas
    USD $175
    Emergency cash overseas
    USD $175
    International currency conversion fee
    3.65% of the AUD transaction amount
    CREDIT CARD FEES
    Fee Types
    Fees
    Late payment fee
    $15
    Cash advance
    $4 per transaction
    Disputed transaction
    $25 per transaction
    Card replacement in Australia
    $10
    Card replacement overseas
    USD $175
    Emergency cash overseas
    USD $175
    International currency conversion fee
    3.65% of the AUD transaction amount
    QANTAS VISA FEES
    Fee Types
    Fees
    Annual fee
    $0
    Late payment fee
    $9
    Cash advance (1)
    $1.80 per transaction
    Disputed transaction
    $25 per transaction
    Card replacement in Australia
    $10
    Card replacement overseas
    $0
    Emergency cash overseas
    $0
    International currency conversion fee
    2% of the AUD transaction amount
    • (1) Includes over the counter (domestic & international) and Westpac, St George, Bank SA or Bank of Melbourne ATM withdrawal

    CAR & PERSONAL LOAN FEES
    Fee Types
    Fees
    Application fee
    $90
    Lodge or amend security interest on a vehicle
    $20 per security
    PAYMENT FEES
    Fee Types
    Fees
    Dishonour for insufficient funds for external transfers
    $9 after 3 attempts
    BankVic dishonour charge
    $9
    Direct debit stopped payment
    $19
    Personal cheque book (25 pages)
    $10
    BANK DRAFT FEES
    Fee Types
    Fees
    Foreign currency bank draft
    $15 per transaction
    AUD bank draft
    $15 per transaction
    Reissue
    $10
    Cancellation
    $40
    Express post fee
    $6
    INTERNATIONAL TRANSFER FEES
    Fee Types
    Fees
    Outward transfer - foreign currency
    $30 per transaction
    Outward transfer - AUD
    $41 per transaction
    Inward transfer - AUD
    $5 per transaction charged by AMEX
    Amendment or trace
    $55 per transaction charged by AMEX
    Cancellation
    $40 charged by AMEX
    RECORD FEES
    Fee Types
    Fees
    Voucher archive retrieval - up to 30 days since transaction
    $6
    Voucher archive retrieval - up to 30 to 90 days since transaction
    $7.50
    Voucher archive retrieval - 90+ days since transaction
    $10
    Services fee on a time basis
    $15 per quarter hour
    Photocopy cost
    $2 per page
    Access to records under privacy act
    $50
    OTHER FEES
    Fee Types
    Fees
    Additional or reprint statement fee
    Free
    List of transactions via branch or contact centre
    $2 per page
    Dormant account fee (1)
    $40 per year
    Company search fee
    $25
    • (1) Dormant fee - applied where there have been no transactions in the account for at least 1 year, we have written to you but you have not given us written notice stating you wish the account to remain open.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our personal and car loan has been calculated for an amount of $30,000 over a term of 5 years.

Ways to apply

Ways to apply for our Banking products

Terms and conditions

Important things you should know

Information on this page is general in nature and does not take into account your personal circumstances. You should consider whether it is appropriate for you before acquiring the product or service.

Fees and charges may apply. Interest rates are variable and subject to change. Information on our terms & conditions, interest rates and fees & charges are available on request.

We recommend that you read the following documents:

DBM Disclaimer

*Award is based on information collected from the DBM Atlas research program – feedback from over 80,000 businesses and/or retail customers January 2021 through December 2021.