Pricing
Example rates and fee structures.
These are illustrations to help you compare, not offers. Actual pricing depends on the product, the term and the outcome of assessment.
Every figure on this page is illustrative. Nothing here is a quotation, an offer of credit or a guaranteed deposit rate.
All credit products are subject to application, eligibility criteria, affordability assessment and approval. Rates and terms are confirmed in your credit agreement.
Deposits
| Product | Indicative rate | Basis |
|---|---|---|
| Everyday Checking | — | No interest paid; no monthly fee with qualifying activity |
| Reserve Savings | Variable | Tiered variable rate, set at account opening |
| Term Deposit (12 months) | Variable | Fixed for the term, quoted on application |
Lending
| Product | Indicative rate | Basis |
|---|---|---|
| Personal Loan | From risk-based pricing | APR quoted after affordability assessment |
| Residential Mortgage | Quoted per case | Depends on term, loan-to-value and product |
| Business Term Loan | Quoted per case | Depends on trading history and security |
Cards
| Product | Indicative rate | Basis |
|---|---|---|
| Signature Credit Card | Quoted per case | Purchase APR assigned at approval |
Fees
How we present charges.
Monthly account fees
Stated per product. Where a fee can be waived, the qualifying activity is written out in full.
Payment fees
Domestic transfers within the platform carry no fee. International payments show the fee and rate before you confirm.
Card fees
Replacement, expedited delivery and non-domestic usage fees are disclosed in the product terms.
Overdraft and late fees
Any charge for exceeding a limit or missing a payment is shown before the product is opened.
Get pricing for your situation
Start an application for an indicative decision, or speak to us about a specific product first.