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Accounts No Longer Offered. Transaction, Savings and Investment Accounts Accounts no longer offered. Transaction, Savings and Investment Accounts. Fees and charges and how to minimise them. Effective Date: 30 June 2021. Important notes: Contents. Information in this booklet is current as at the date of this booklet but may change from Part A – Account fees and charges. ............................................................................. 4 time to time. We will give you notice of changes as set out in the Terms and Conditions applying to your account. Table 1 – Summary of fees: Transaction, Savings and Investment Accounts – accounts no longer offered ........................................................................................................................4 Nearly all financial services provided by us will be “input taxed” under GST. This means that Table 2 – Fee exemptions: Transaction, Savings and Investment Accounts – GST of 10% will not be added to the fee/charge for that service. There are a few services we accounts no longer offered .........................................................................................8 provide which will be subject to GST of 10%. In these circumstances, GST of 10% has been included in the fees and charges for these services. Where applicable, the fees stated are 1 General. ........................................................................................................................... 10 GST inclusive. 2 Further details about our account fees and charges. ......................................................... 10 3 Further details about our transaction allowances and fee exemptions. ..............................13 Introduction. 4 Government charges on accounts. ...................................................................................14 5 Fees for services relating to accounts. ...............................................................................14 This booklet sets out the fees and charges that apply to the accounts listed in Part A, as well as the special services listed in Part B. We may introduce new fees and change existing fees Part B – Charges for special services. .......................................................................... 16 from time to time. Where the new or changed fees relate to an account, we will give you notice Payment Services.....................................................................................................................16 in accordance with the Terms and Conditions of your account. Cheque Services.......................................................................................................................16 This booklet does not contain all of the Terms and Conditions that apply to you. Further Terms Card Services. ..........................................................................................................................17 and Conditions (including the meaning of defined terms) are set out in: Document Requests. ...............................................................................................................17 • the booklet “Bank of Melbourne Transaction, Savings and Investment Accounts – Other Services. ........................................................................................................................17 accounts no longer offered. Banking Services Terms and Conditions and General Information”; and Fees Applicable to Privacy Access Requests. .............................................................................18 Bank Draft Services. ����������������������������������������������������������������������������������������������������������������18 • any notice we give you about current interest rates that apply to your account. Overseas Services. ...................................................................................................................18 Further information about our products and services is available by visiting our website Foreign Currency Services. ........................................................................................................19 bankofmelbourne.com.au Advantage Package Annual Fee. ..............................................................................................19 Suggestions on how to avoid or minimise fees. ........................................................................ 20 2 3 Part A – Account fees and charges. Table 1 – Summary of fees: Transaction, Savings and Investment Accounts – accounts no longer offered Fee Description Portfolio Complete Investment Gold Cash Sense Sense Freedom School Direct DIY Super Power These fees are Further Cash Express Freedom Freedom Savings Management Everyday Saving Plus Saver Saver Direct Saver Saver payable to details Management Freedom Account Student Account Account Account Account Account Account Account Account Account Bank of Melbourne Account Account Account fees Account-keeping fee (formerly Clause 2.1 $6 $6 $6 $5 N/A $5 Nil Nil Nil Nil $3 $5 Nil known as ‘Account service fee’) Minimum monthly balance required to avoid account-keeping Clause 2.1 $5,000 $5,000 $5,000 N/A N/A N/A N/A N/A N/A N/A N/A $3,000 N/A fee Minimum total monthly deposit to Clause 2.1 N/A N/A N/A $2,000 N/A N/A N/A N/A N/A N/A $1,000 N/A N/A avoid account-keeping fees Transaction fees – where a relevant Free monthly withdrawal allowance applies, these transaction fees are payable per transaction after the allowance has been exceeded Internet Banking Free Free Free Free Free Free Free Free Free Free Free Free Free Phone Banking Free Free Free Free Free Free Free Free Free Free Free Free Free Visa Debit transactions Clause 2.2 Free* Free* Free* Free N/A Free* N/A N/A N/A N/A Free* Free* Free* Bank of Melbourne/St.George/ BankSA/Westpac ATM (in Free Free Free Free Free+ Free Free N/A N/A Free Free Free Free Australia) eftpos Free Free Free Free N/A Free Free N/A N/A Free Free Free Free Electronic Agency Free Free Free Free N/A Free Free N/A N/A N/A Free Free Free Cheque N/A Free Free Free N/A N/A N/A N/A N/A N/A Free Free N/A Staff assisted Clause 2.3 Free Free Free Free Free++ Free Free N/A N/A Free Free Free Free Bank@PostTM Clause 2.4 Free Free Free Free N/A Free Free N/A N/A N/A Free Free Free Transaction allowances (transaction fees are charged when Free monthly transaction allowances are exceeded) Free monthly withdrawal Clauses 3.1 allowance (for eligible Unlimited Unlimited Unlimited Unlimited N/A Unlimited Unlimited Unlimited Unlimited Nil Unlimited Unlimited Unlimited to 3.3 transaction fees) + Balance enquires and transfers to Sense Everyday Account only. ++ Transfers to Sense Everyday Account Only. * Merchants may charge a fee for Visa Debit transactions 4 5 Table 1 – Summary of fees: Transaction, Savings and Investment Accounts – accounts no longer offered continued Fee Description Portfolio Complete Investment Gold Cash Sense Sense Freedom School Direct DIY Super Power These fees are Further Cash Express Freedom Freedom Savings Management Everyday Saving Plus Saver Saver Direct Saver Saver payable to details Management Freedom Account Student Account Account Account Account Account Account Account Account Account Bank of Melbourne Account Account Unlimited staff Maximum number of assisted Staff assisted transactions Unlimited Unlimited Unlimited Unlimited transfers Unlimited Unlimited N/A N/A N/A Unlimited Unlimited Unlimited included in Free monthly to Sense withdrawal allowance everyday only Free Collections items Clause 3.1 Unlimited Unlimited Unlimited Unlimited N/A Unlimited Unlimited N/A N/A Unlimited Unlimited Unlimited Unlimited each month Transaction fees – Free monthly transaction allowances do not apply to these fees Direct Debit Free Free Free Free N/A Free Free N/A N/A Free Free Free Free Periodical Payment Clause 2.5 Free Free Free Free N/A Free Free N/A N/A Free Free Free Free Overseas Withdrawal (formerly known as ‘Overseas Cash Clause 2.6 $5 $5 $5 $5 N/A $5 Free N/A N/A N/A $5 $5 $5 Withdrawal’) Bank of Melbourne/St.George/ BankSA ATM Mini transaction Free Free Free N/A N/A Free Free N/A N/A N/A Free Free Free history Frequent Statement (per month) Free Free Free N/A N/A Free Free Free Free Free Free Free Free Foreign Currency Conversion Clause 2.7 3.0% 3.0% 3.0% 3.0% N/A 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% Collection item Clause 2.9 Free Free Free Free N/A Free Free Free Free Free Free Free Free 6 7 Table 2 – Fee exemptions: Transaction, Savings and Investment Accounts – accounts no longer offered Portfolio Complete Investment Gold Cash Cash Freedom School Direct DIY Super Sense Sense Freedom Description Further Savings Management Management Plus Saver Saver Direct Saver Power Saver Everyday Saving Express Freedom Student details Account Account Account Account Account Account Account Account Account Account Freedom Account Account Fee exemptions Exemptions available on a single account Clause 3.4 ✗ ✗ ✗ ✗ ✗ ✗ ✗ ✗ ✓ ✗ ✓ ✓ ✗ for customers with a disability Free periodical payments between Bank of Melbourne/ Clause 2.5 ✓ ✓ ✓ ✓ ✓ ✗ ✗ ✗ ✓ ✓ ✓ ✓ ✓ St.George/BankSA accounts 8 9 1 General. 2.2 Visa Debit transactions. 1.1 Where you have an account listed in Table 1 at the front of this booklet, Part A of this A Visa Debit transaction is: booklet forms part of the Terms and Conditions applying to your account. • a purchase transaction made using your Visa Debit Card where you press the “credit” 1.2 From time to time, we may waive fees normally payable on your account. We usually or “Visa Debit” button at a point-of-sale terminal or you make a Contactless tell you the
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