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Banking rates and fees

Our bank account rates

Easy Transaction Account
Balance Variable rate
All balances
Not applicable
Easy Transaction Account
Balance
Variable rate
All balances
Not applicable
Bankwest Qantas Transaction Account
Balance Variable rate
All balances
0.01% p.a.
Bankwest Qantas Transaction Account
Balance
Variable rate
All balances
0.01% p.a.
Retirement Advantage Account
Balance Variable rate
On balances from $0 up to $9,999.99
0.05% p.a.
On balances from $10,000 up to $49,999.99
1.65% p.a.
On balances from $50,000 up to $249,999.99
2.15% p.a.
On balances from $250,000 or more
2.65% p.a.
Retirement Advantage Account
Balance
Variable rate
On balances from $0 up to $9,999.99
0.05% p.a.
On balances from $10,000 up to $49,999.99
1.65% p.a.
On balances from $50,000 up to $249,999.99
2.15% p.a.
On balances from $250,000 or more
2.65% p.a.
Interest is calculated at the applicable rate on the portion of the balance which falls within each of the tiers.
Learn more about this product
Offset Transaction Account
Home Loan Variable rate
All balances
Not applicable
Offset Transaction Account
Home Loan
Variable rate
All balances
Not applicable
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

Bankwest Breeze Mastercard®
Tier Intro rate Purchase rate Cash advance rate
All
Intro 0% p.a. for 12 months on purchases and balance transfers. 2% balance transfer fee applies. 1
12.99% p.a. ?
21.99% p.a.
Bankwest Breeze Mastercard®
Tier
Intro rate
Purchase rate
Cash advance rate
All
Intro 0% p.a. for 12 months on purchases and balance transfers. 2% balance transfer fee applies. 1
12.99% p.a. ?
21.99% p.a.
Rates are intended for new Bankwest Breeze Mastercard customers only. Fees and charges apply, including an annual fee.
Learn more about this product
Bankwest Zero Mastercard
Tier Intro rate Purchase rate Cash advance rate
All
Intro 0% p.a. for 28 months on balance transfers. 3% balance transfer fee applies. 1
14.99% p.a. ?
21.99% p.a.
Bankwest Zero Mastercard
Tier
Intro rate
Purchase rate
Cash advance rate
All
Intro 0% p.a. for 28 months on balance transfers. 3% balance transfer fee applies. 1
14.99% p.a. ?
21.99% p.a.
Rates are intended for new Bankwest Zero Mastercard customers only. Fees and charges apply.
Learn more about this product
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
19.99% p.a. ?
21.99% p.a.
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
19.99% p.a. ?
21.99% p.a.
Rates are intended for new Bankwest Qantas Mastercard customers only. Fees and charges apply, including an annual fee.
Learn more about this product
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.
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.
Rates are intended for new More Mastercard customers only. Fees and charges apply, including an annual fee.
Learn more about this product
Rates are subject to change.

Our credit card fees

Credit card ongoing annual fees
Credit card Classic Platinum World
Bankwest Breeze Mastercard
$49
$69
N/A
Bankwest Zero Mastercard
$0
$0
N/A
Bankwest More Mastercard
$100
$160
$270
Bankwest Qantas Mastercard
N/A
$160
$270
Credit card ongoing annual fees
Credit card
Classic
Platinum
World
Bankwest Breeze Mastercard
$49
$69
N/A
Bankwest Zero Mastercard
$0
$0
N/A
Bankwest More Mastercard
$100
$160
$270
Bankwest Qantas Mastercard
N/A
$160
$270
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.
Other credit card fees and charges
Fee type Charge Description
Foreign Transaction Fee
2.95% of transaction amount
Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.
Cash Advance Fee
3% 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).
Over the Limit Fee
$10
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. This includes any amount shown on your card account statement as 'amount due immediately'.
Balance Transfer Fee
Up to 3% 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).
Customer Trace Fee
$10
Payable each time we have to locate you during the period that you’re in default under the card contract.
Other credit card fees and charges
Fee type
Charge
Description
Foreign Transaction Fee
2.95% of transaction amount
Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.
Cash Advance Fee
3% 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).
Over the Limit Fee
$10
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. This includes any amount shown on your card account statement as 'amount due immediately'.
Balance Transfer Fee
Up to 3% 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).
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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  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 circles design are registered trademarks of Mastercard International Incorporated.