Banking rates and fees

Our bank account rates

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Easy Transaction Account
Balance Variable rate
All balances Not applicable
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Bankwest Qantas Transaction Account
Balance Variable rate
All balances 0.01% p.a.
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Retirement Advantage Account
Balance Variable rate
$0 up to $1,999.99 0.10% p.a.
$2,000 up to $47,999.99 0.55% p.a.
$48,000 or more 1.30% p.a.
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Interest is calculated at the applicable rate on the portion of the balance which falls within each of the tiers.
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Hero Transaction Account
Balance Variable rate
$0 up to $5,000 1.00% p.a.
$5,001 or more 0% p.a.
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Interest is calculated at the applicable rate on the portion of the balance which falls within each of the tiers.
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FeeSaver Basic Account
Balance Variable rate
All balances Not applicable
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Offset Transaction Account
Home Loan Variable rate
All balances Not applicable
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Rates are subject to change
For more information about choosing the right account for you, please refer to The Smarter Banking Booklet (PDF) - produced by the Australian Bankers' Association.

Our credit card rates

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Bankwest Breeze Mastercard
Tier Intro rate Purchase rate Cash advance rate
All 0% p.a. for 26 months on balance transfers (2% balance transfer fee applies) 1

12.99% p.a. ? 21.99% p.a.
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Rates are intended for new Bankwest Breeze Mastercard customers only. Fees and charges apply, including an annual fee.
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Bankwest Zero Mastercard
Tier Intro rate Purchase rate Cash advance rate
All 2.99% p.a. intro balance transfer rate for first 9 months
1  
17.99% p.a. ? 21.99% p.a.
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Rates are intended for new Bankwest Zero Mastercard customers only. Fees and charges apply.
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Bankwest Qantas Mastercard
Tier Intro rate Purchase rate Cash advance rate
All 2.99% p.a. intro balance transfer rate for first 9 months
1
20.49% p.a. ? 21.99% p.a.
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Rates are intended for new Bankwest Qantas Mastercard customers only. Fees and charges apply, including an annual fee.
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Bankwest More Mastercard
Tier Intro rate Purchase rate Cash advance rate
All 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 1 19.99% p.a. ? 21.99% p.a.
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Rates are intended for new More Mastercard customers only. Fees and charges apply, including an annual fee.
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Rates are subject to change.

Our credit card fees

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Credit card ongoing annual fees
Credit card Classic Platinum World
Bankwest Breeze Mastercard $79 $99 N/A
Bankwest Zero Mastercard $0 $0 N/A
Bankwest More Mastercard $100 $160 $270
Bankwest Qantas Mastercard N/A $160 $270
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The credit card annual fees listed in the table are for new credit card customers and may not reflect the annual fees for existing or previous customers with the same product type.
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Other credit card fees and charges
Fee type Charge Description
Foreign Transaction Fee 2.95% of transaction amount Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars, including if you're in Australia (like if you’re buying online) where the merchant, financial institution or entity processing the transaction is located overseas. Not payable on Platinum and World tier Credit Cards.
Cash Advance Fee 2% of transaction amount or $4 (whichever is greater) Payable for transactions that the annual cash advance percentage rate applies to.
Paper Statement Fee $1.25 per statement Payable for each paper Card Account Statement sent to you (from 28 November 2016 onwards).
Payment Device Fee $39 Payable for each Payment Device you request including for reissue on expiry, replacement or if the Payment Device is lost or stolen, unless due to our error.
Over the Limit Fee $30 Payable for each statement period that you exceed your credit limit.
Notice of Demand Fee $50 Payable when we issue a notice of demand to you.
Late Payment Administration Fee $25 Payable for each statement period that the minimum payment is not processed to your card account by the due date.
Balance Transfer Fee Up to 2% of BT amount Payable for each transaction that the introductory balance transfer percentage rate applies to.
Credit Card Replacement Fee $25 Payable on reissue of lost credit card over the entitled two free reissues per year (not applicable to stolen credit cards when a police report is filed).
Dishonour Fee $10 Payable each time a periodical payment or a cheque deposit to your card account is dishonoured.
Customer Trace Fee $10 Payable each time we have to locate you during the period that you’re in default under the card contract.
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Things you should know

  1. Terms and conditions apply, view product page for more details.

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.

Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.