RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Pink Everyday account - Overdraft

An overdraft to help cover you for unexpected expenses. Can be linked to the Pink Debit account which helps you manage everyday spending, pay bills and access cash.
Category: Overdrafts  Last Updated November 20, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Credit eligibility criteria, terms and conditions, fees and charges apply.
Interest Rate
14.45% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

  • Overdraft Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply
  • Bill Payment
  • Card Access
  • Digital Banking
  • Digital Wallet
  • Npp Enabled
  • Npp Payid
  • Other Additional Information: Ability to do direct debits and credits
  • Overdraft Additional Information: Unsecured overdraft or mortgage secured overdraft available on application. Credit eligibility

Product Eligibility

  • Natural Person
  • Min Age - 18.

Bank Fees and Charges

  • S21 Pink Debit Account Monthly Fee (Periodic), Amount: 5.00. Additional Information: Paid in arrears
  • S21 Pink Debit Card Monthly Fee (Periodic), Amount: 1.00.
  • Atm Withdrawal/cash Advance Overseas (Transaction), Amount: 5.00. Additional Information: Applicable on all cards
  • Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 2.00. Additional Information: Deposit or withdraw cash via Bank@Post
  • Bank@post Cheque Deposit (Deposit), Amount: 2.00. Additional Information: Cheque deposits
  • Atm Balance Enquiry (Transaction), Amount: 1.25. Additional Information: You may be charged a direct charge fee by the ATM operator
  • Staff Assisted Transfer (Event), Amount: 2.00.
  • Card Extraction Fee (Event), Amount: 45.00. Additional Information: Charegd on the day of the request
  • Visa Chargebacks (Event), Amount: 25.00.
  • Inactive Fee (Event), Amount: 2.00.
  • Dormancy Fee (Event), Amount: 20.00. Additional Information: Applicable on all savings accounts
  • Overdrawn Fee (Event), Amount: 10.00. Additional Information: Charged last day monthly
  • Dishonour - Direct Debit (Event), Amount: 20.00. Additional Information: Charged on the day of the dishonour
  • Dishonour - Periodical Payment (Event), Amount: 20.00. Additional Information: Charged on the day of the dishonour
  • Account Combination Fee (Event), Amount: 5.00.
  • Forced Payment (Event), Amount: 20.00. Additional Information: Charged on the day
  • Eft Investigation Fee (Event), Amount: 35.00. Additional Information: Includes NPP Payments, incorrect amount transferred; elleged unauthorised transactions; request to recall funds
  • Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.
  • Dishonour Fee - Cheque Deposit (Event), Amount: 0.00. Additional Information: Charged on the day of the dishonour. At cost.
  • Transfer Of Funds (Event), Amount: 0.00. Additional Information: Charged at cost
  • Retrieving Cashiering Vouchers Or Any Other Document (Event), Amount: 20.00. Additional Information: Charged per item
  • Drafts (Event), Amount: 17.50. Additional Information: Charged on the day of the transaction
  • Overseas Telegraphic Transfer (tt) (Event), Amount: 50.00.
  • Overseas Telegraphic Transfer (Event), Amount: 30.00.
  • Travelex Services (Event), Amount: 0.00. Additional Information: Charged at cost
  • Foreign Cheque Encashment (Event), Amount: 12.50. Additional Information: For values over $A25,000 the fee applicable is $57.50.
  • Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars
  • Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.
  • Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.
  • International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia.

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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