Rates, Fees & Charges effective: 27/08/2024
Savings & Transaction Accounts
| Everyday Account (S99) | Interest Rate |
|---|---|
| Any balance | 0.00% |
| Pensioner Account (S98) | Interest Rate |
| $1 - $9,999 | 0.85% |
| $10,000 - $49,999 | 1.70% |
| $50,000 - $249,999 | 2.20% |
| $250,000+ | 2.50% |
| Concession Card Account (S36) | Interest Rate |
| Any balance | 0.00% |
| Youth Account (S92) | Interest Rate |
|
Any balance Interest calculated on daily balance and credited 30 June each year. |
3.75% |
| Bill Paying Account (S72) | Interest Rate |
|
Any balance Interest calculated daily on debit (overdrawn) balances and debited to the account at the end of each month. |
0.00% |
| Christmas Club Account (S45) | Interest Rate |
|
Any balance Interest calculated on daily balance and credited 31 October each year. |
0.80% |
| Online Saver Account (S37) | Interest Rate |
|
Any balance Interest calculated on daily balance and credited on the last day of the month. |
3.75% |
Fixed Term Accounts
| Fixed Term Account | Interest Rate |
|---|---|
| 3 Months | 4.30% |
| 6 Months | 4.65% |
| 7 Months | 4.90% |
| 9 Months | 4.65% |
| 12 Months | 4.55% |
| 24 Months | 3.95% |
Minimum balance of $5,000. Interest fixed for the term of the investment. Interest calculated on daily balance and credited on maturity. For terms greater than 12 months, interest also credited annually.
When a fixed term account is redeemed prior to maturity the interest rate applicable will be equivalent to the current At Call rate for the amount withdrawn. 31 days written notice must be given for early redemptions.
Home Loans
Owner Occupied
| Principal & Interest | Principal & Interest Comparison Rate | Interest Only | Interest Only Comparison Rate | |
|---|---|---|---|---|
| LVR < 60.00% | 6.14% p.a. | 6.14% p.a. | N/A | N/A |
| LVR 60.00 - 80.00% | 6.29% p.a. | 6.29% p.a. | N/A | N/A |
| LVR 80.00 - 90.00% | 6.49% p.a. | 6.49% p.a. | N/A | N/A |
| Standard Variable Rate | 7.80% p.a. | 7.80% p.a. | N/A | N/A |
Investment
| Principal & Interest | Principal & Interest Comparison Rate | Interest Only | Interest Only Comparison Rate | |
|---|---|---|---|---|
| LVR < 60.00% | 6.24% p.a. | 6.24% p.a. | 6.44% p.a. | 6.44% p.a. |
| LVR 60.00 - 80.00% | 6.34% p.a. | 6.34% p.a. | 6.44% p.a. | 6.44% p.a. |
| LVR 80.00 - 90.00% | 6.74% p.a. | 6.74% p.a. | 6.74% p.a. | 6.74% p.a. |
| Standard Variable Rate | 8.99% p.a. | 8.99% p.a. | 9.29% p.a. | 9.29% p.a. |
Personal Loans
| Type | Interest Rate | Comparison Rate |
|---|---|---|
| Secured Loans | 7.99% | 7.99% |
| Standard Loans | 12.49% | 12.49% |
Business Accounts
| Business Everyday Account (S90) | Interest Rate |
|---|---|
| Any balance | 0.00% |
| Business Online Saver Account (S38) | Interest Rate |
|
Any balance |
2.30% |
Business Lending
Principal & Interest
| Principal & Interest | Principal & Interest Comparison Rate | Interest Only | Interest Only Comparison Rate | |
|---|---|---|---|---|
| Residential Security | 6.69% p.a. | 6.69% p.a. | N/A | N/A |
| Commercial Security | 7.49% p.a. | 7.49% p.a. | N/A | N/A |
| Vehicle Security | 7.99% p.a. | 7.99% p.a. | N/A | N/A |
| Standard Variable Residential | 8.19% p.a. | 8.19% p.a. | 8.19% p.a. | 8.19% p.a. |
| Standard Variable Commercial | 8.19% p.a. | 8.19% p.a. | 8.19% p.a. | 8.19% p.a. |
Credit Card
| Type | Interest Rate | Annual Fee |
|---|---|---|
| Basic Blue | 11.99% p.a | $45 |
Overdraft
| Type | Interest Rate |
Comparison Rate |
|---|---|---|
| Secured | 8.84% p.a | 8.84% p.a |
| Unsecured | 12.99% p.a | 12.99% p.a |
General Loan Information
Mortgage loans require a 1st or 2nd mortgage over residential property or vacant land. Loans are available for terms up to 30 years. Security may be required on personal loans. Fees and charges are payable. Loans are available for any worthwhile purpose but are subject to Beyond’s lending policy. Interest is calculated daily and is charged to the loan at the end of each month. Additional repayments and lump sum principal reductions are allowable at any time without penalty. All loans are variable rate loans.
Schedule of Fees & Charges
| Fee | |
|---|---|
|
No Account Keeping Fees and no Transaction Fees on cards, internet banking, telephone banking and teller assited transactions on Transaction Accounts. |
|
|
Dishonour Fees
|
$10.00 |
|
Overdrawn Account Fee Per item which overdraws account or exceeds overdraft limit |
$10.00 |
|
Traces, Enquiries & Disputes
+Fee only applies to non-genuine disputes |
$30.00 |
|
IPEX Fee Electronic Funds Transfers (EFT’s) processed in real time are $20.00 each. Please note arrival time cannot be guaranteed as it is dependant on the receiving financial institution. |
$20.00 |
|
Dormant Account Fee Annual fee on dormant accounts (no transactions over the prior 12 months) |
10.00 |
|
Duplicate Statement Fee Per statement |
$5.00 |
| Merchant Facilities | Available on application |
| Foreign Exchange | |
| Visa Foreign Transaction Current Conversion | 3% of sale |
| Foreign Currency | 1% of sale |
| Telegraphic Transfer | $40.00 |
| Loan Fees | |
| Establishment Fee | Nil |
| Default Payment Fee | $35.00 |
| Fixed Loan Rate Lock-in Fee (for up to 3 months) | $600 plus 0.15% of loan amount |
| Repayment Processing Fee (for fixed rate loans) | Economic Cost - available on application |
