Savings Account Comparison Table

	Reward Saver	Christmas Club	Cash Management Account	DIY Super	First Home Saver
Interest Rates	View the latest interest rates
Features
Monthly service fee	$0	$0	$0	$0	$0
Criteria to waive monthly service fee	N/A	N/A	N/A	N/A	N/A
Free IMB transactions (per month)	Please refer to Member Transaction Allowance	Unlimited in November and December1	Please refer to Member Transaction Allowance	Please refer to Member Transaction Allowance	Unlimited (Deposits Only)
Accessing your money
ATM
EFTPOS
BPAY
Internet banking
Phone banking
VISA Debit Card*
Branch		(Passbook)
Cheque
Summary of transactions fees	Charged once your Member Transaction Allowance is exceeded		Charged once your Member Transaction Allowance is exceeded	Charged once your Member Transaction Allowance is exceeded
IMB ATMs	Withdrawal $0.70  Balance Enquiry $0.25	N/A	Withdrawal $0.70  Balance Enquiry $0.25	N/A	N/A
Westpac Group ATMs	Withdrawal $1.25 Balance Enquiry $1.00	N/A	Withdrawal $1.25 Balance Enquiry $1.00	N/A	N/A
EFTPOS	$0.85	N/A	$0.85	$0.50	N/A
BPAY®	Free	Free	Free	Free	N/A
Internet banking	Free	Free	Free	Free	Free
Branch deposits	Free	Free	Free	Free	Free
Branch withdrawals	$2.25	Free	$2.25	$1	N/A
Cheque	$5	N/A	$5	$5	N/A
Additional fees
Overseas ATM withdrawal or balance enquiry	$5	N/A	$5	$5	N/A
Foreign currency conversion	$5 or 2%2	N/A	$5 or 2%2	$5 or 2%2	N/A

<sup>Things you should know
Normal account opening term & conditions apply. This table is general advice only and dose not take into account your objectives, financial situation and needs. You should consider the PDS before making a decision about these products. This table does not contain a full list of fees and charges and account terms and conditions.
*Approval criteria applies to VISA Debit Cards. ® Registered to BPAY Pty Ltd ACN 079 137 518
1. If a withdrawal/transfers occurs on your Christmas club account between 1st January and 31st October, the bonus interest will be forfeited.
2. Higher amount applies.</sup>