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Pension Advantage
Bank of us's Pension Advantage is a transaction account. The figures are the ones Bank of us publishes under the Consumer Data Right today. The advertised rate last moved on 2 November 2026, up from 2.05% to 2.30%.
Advertised rate
2.30%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
2 November 2026
Advertised rate, last 30 days. Between 2.05% and 2.30% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, $2,000 to $39,400Pension Advantage_Tier_2 | 1.80% |
| Variable, $39,400 and overPension Advantage_Tier_3 | 2.30% |
Rate moves, last 30 days
- 2 November 2026: Variable, $2,000 to $39,400 lifted 0.25pp, from 1.55% to 1.80%.
- 2 November 2026: Variable, $39,400 and over lifted 0.25pp, from 2.05% to 2.30%.
Published fees
| Fee | Amount |
|---|---|
| Staff assisted transactionsper transaction: For transactions performed at a Retail Store or through our Contact Centre | $2.50 |
| Self service internet banking transactionsper transaction: Applies for each transaction performed from or to your Bank of us account. | $0.25 |
| Self service EFTPOS transactionsper transaction: Self-service EFTPOS transactions mean a transaction you make to purchase goods, purchase goods and withdraw cash, or withdraw cash via EFTPOS facilities. | $0.75 |
| Bank@post withdrawal feeper withdrawal: This fee applies where you make a cash withdrawal via Australia Post offices displaying the Bank@Post symbol. | $5 |
| Overseas debit card replacement feewhen it happens: Applies where you request the emergency replacement through VISA International of your VISA Debit card that is lost or stolen. | $120 |
| Overseas card transaction feeper transaction: Applies to all cash advances and retail purchase transactions made in currencies other than Australian dollars. | see lender |
| BPAY error correction processing feewhen it happens: Applies where we are required to process the correction of a BPAY payment that is made by you in error. | $10 |
| Cheque dishonour (inward) feewhen it happens: Applies where a cheque paid into your account with us is dishonoured. | $12 |
| Counter (corporate) cheque feewhen it happens: Applies where you request us to draw a counter/corporate cheque against funds held in your account, whether to a third party or to yourself. | $10 |
| Duplicate statement feewhen it happens: Payable for each duplicate paper copy of your monthly statement you request. | $5 |
| Overdrawn account debit interest: Where your account is overdrawn* at the close of business without prior approval from us, we will charge you interest on the unauthorised overdrawn amount. | see lender |
| Overseas card transaction feeper transaction: Applies to all cash advances and retail purchase transactions made in currencies other than Australian dollars. | see lender |
Other Bank of us transaction accounts
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