Fees & Charges

We work hard to keep fees and charges as low as possible for our Members. Take advantage and utilise the list of fee free services below.
Bring your banking across to Dnister and receive not only competitive products but friendly staff that are happy to assist with any inquiries.

Like to know about maximising your Membership?
Speak to our Members Services team to find out more about our products and how they can benefit you.

Free Services

  • 24 hour Online Banking access

  • 24 hour Business Banking access

  • eStatements (via Internet Banking)

  • BPAY payments (via Internet Banking)

  • Transfers between any Dnister accounts

  • Over the counter cash deposits and withdrawals

  • Over the counter BPAY payments and external transfers

  • Over the counter Member cheque deposits and withdrawals

  • EFTPOS withdrawal (with or without cash-out)

  • Bank@Post deposits, withdrawals & declined transactions

  • Direct Debits and Credits (including Osko and other electronic credits)

  • Visa Debit purchases when using PayWave or your Digital Wallet

  • 6 monthly Paper Statements (if not on eStatements)

  • Monthly Paper statements for 67+ aged Members

  • Monthly Paper statements for 18 and under aged Members

  • Visa Card Fee waived for 67+ aged Members

  • EFTPOS declined transaction

  • Visa Card Fee waived for Members aged under 18

  • Transaction fees waived for Members aged under 18

  • Free transaction fees for full time students (student ID required)

  • Outward Payments (All Currencies except AUD)

  • Inward Payments (All Currencies)

  • ATM balance enquiry¹

  • ATM withdrawals¹

  • ATM declined transaction¹

  • Osko / Other external transfer debits

 Fees & Charges

 Effective 1st September 2024

Outward Payments (All Currencies except AUD) Free
Outward Payments (AUD) $50.00
Inward Payments (All Currencies) Free
International funds trace, stop or refund fee ²

 

² no-fee however exchange rate difference may apply

Paper statements – monthly / quarterly (domestic) $4.00
Paper statements – monthly / quarterly (international) $6.00
Historical copy of statements (per statement) $6.00

 

Corporate cheque withdrawal $8.00
Bank cheque $12.00
Corporate cheque stop request $12.00
Member cheque book – 25 cheques $8.75
Member cheque book – 50 cheques $17.50
Member cheque book – 100 cheques $35.00
Member cheque book – 200 cheques $70.00
Stop cheque but then presented $35.00
Member cheque copy $20.00
Dishonoured cheques deposited to your account $20.00
Dishonoured cheques drawn by you $25.00
Honoured cheque drawn by Member $15.00
International cheque deposited 7 POA

Card replacement fee $15.00
Visa emergency card / cash overseas 7 POA
Visa chargeback statement $45.00
Visa currency conversion Fee 2.00%
Currency conversion admin fee 1.00%
ATM and EFTPOS Dispute $45.00
Visa card fee (per annum) $25.00

Term Deposit early withdrawal penalty interest 2.00% p.a.⁸
Minimum withdrawal is 50% of term deposit

 

⁸Maximum penalty rate on Term Deposits

Establishment fee – Business Loan ³ POA
Establishment fee – Home Loan $500.00
Establishment fee – Personal Loan $100.00
Establishment fee – Personal Overdraft $250.00
Establishment fee – Equity Access $500.00
Top up Fee – Home Loan Increase $300.00
Monthly fee Free
Outsourced mortgage costs 4 POA
Late repayment $25.00
Penalty Interest +2.00% p.a
Redraw fee (over the counter) $25.00
Redraw fee (internet) $10.00
Security Fee $200.00
Variation Fee $200.00
Discharge Fee $200.00
Annual Review – Business Loans and Overdrafts $200.00
Annual Review – Equity Access and Personal Overdrafts $100.00
Break Cost Fee – Fixed Rate Loan 5 POA
Home Loan Annual Fee 6 $395.00

 

³ Range of 0.35% – 0.50% of the loan amount subject to a min. of $600

4 Valuation, legal, stamp duty, third party charges & loan default recover costs passed on at cost

5 Refer to Fixed Rate Loan Break Cost Schedule

6 This fee applies to specific Loan Products. If applicable details will be outlined in your loan contract

Dormant account service fee (per annum) $35.00
BPAY error trace or correction 7 POA
BPAY cancellation (payment pending) $10.00
BPAY rejected transaction $20.00
BPAY investigation request 7 POA
Inter Credit Union withdrawal $15.00
BPAY returned (Member error) $30.00
Dishonour of direct debit $15.00
Honour of direct debit / Member cheques $10.00
Overdrawn account fee $25.00
Overdraft excess fee $25.00
Direct Entry / Member Cheque trace $60.00
External transfer trace or recall of funds $60.00
External transfer returned transaction $5.00
Direct entry mistaken payments $60.00
Direct entry cancellation (payment pending) $30.00
Direct entry cancellation (payment made) $100.00
Osko mistaken payment 7 POA
Information retrieval $20.00 per 15 minutes
Third party fees and charges – special request 7 POA
Real Time funds transfer – Inward $5.00
Real Time funds transfer – Outward $20.00
Real Time funds transfer cancellation $30.00
Real Time funds transfer amendment $30.00
SMS Alerts per message $0.20
SMS Alerts per email $0.10

 

7 When a service or special request requires a third party service, Members will be provided a quotation of the fee payable to the third party provider and any applicable processing fees by Dnister.

 

 

Footnotes

1. Some financial Institutions charge a fee at their current ATM withdrawal rate, which is accepted by you at the time of the transaction

2. No-fee however exchange rate difference may apply

3. Range of 0.35% – 0.50% of the loan amount subject to a min. of $600

4. Valuation, legal, stamp duty, third party charges & loan default recover costs passed on at cost

5. Refer to Fixed Rate Loan Break Costs Schedule

6. This fee applies to specific Loan Products. If applicable details will be outlined in your Loan Contract

7. When a service or special request requires a third party service, Members will be provided a quotation of the fee payable to the third party provider and any applicable processing fees by Dnister

8. Maximum penalty rate on Term Deposits

 

Dnister provides its Members with the opportunity to minimise fees and charges. For detailed information please check the Terms and Conditions, Product Disclosure Statement (PDS) and / or conditions of use for your account, product or service.