Pay and Save

Make the most of your money with our Pay and Save accounts

86 400 Visa Debit card

No monthly feesEver

2.25% p.a.Easy to earn bonus interest

Government guaranteedUp to $250,000 1

Take control of your money for today and tomorrow

  • Divide your money without losing out on your interest. Open up to 3 Save accounts and earn our marketing-leading interest rate across all of them.
  • No more losing days of interest waiting for your money to reappear when you make a transfer. With instant transfers via Osko (if your traditional bank has it), you can move money into your Save accounts and earn interest immediately.
  • Set up direct debits straight from your Save accounts. That means no worrying about whether you have enough money in your Pay account to cover those upcoming bills.

Designed to help you out, not catch you out

  • Market-leading rate on up to $300,000. Earn 2.25% p.a. on up to 3 Save accounts (balances up to $100,000 per account) when you deposit $1,000+ per month into any of your Pay and Save accounts. This variable rate is made up of 0.40% p.a. base plus 1.85% p.a. bonus.
  • Over 90% of our customers’ saving balances are earning bonus interest each month. We all need a hand sometimes to stay on track and we’ve got your back with a little nudge each month if you’re not on target to earn your bonus rate.
  • Flexibility to save or spend as you want. Life is unpredictable so sometimes you may have to dip into your savings. With our Save accounts you can take your money out at any time without affecting your bonus interest because it’s your money after all.

And you can pay any way you like

It's your money after all. Use your Visa Debit card — or leave your wallet at home and pay with your mobile or watch.

  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay
  • BPAY
  • Osko Pay
  • Visa Debit

Most fees are free

But there are a few we need to pass on.

  • Monthly account fee
    Free
  • Transfers between your 86 400 accounts
    Free
  • Pay someone using a BSB and account number or PayID
    Free
  • BPAY payments
    Free
  • Domestic card payments
    Free
  • ATM cash withdrawals
    Free At over 10,000 Australian bank ATMs
  • International card payments
    1.5%
  • Direct debit dishonours
    Free
  • Replacement card in Australia
    Free ($7 for express post)
  • Emergency Visa replacement card or cash
    $50

1. Our deposits are guaranteed up to $250,000 per customer by the Australian Government’s Financial Claims Scheme.