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 also a transaction allowance through our *Loyalty Fee Rebate Program.

Like to know about maximising your Membership?
Speak to our Members Services team to find out more about the Loyalty Fee Rebate Program.

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 and cheque deposits

  • Bank@Post deposits

  • Direct Credits (including Osko and other electronic credits)

  • Visa Debit purchases when using PayWave or pressing credit option

  • 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

  • Visa Card Fee waived for Members aged under 18

  • Counter cash withdrawals – 4 free per month

  • Counter BPAY payments – 4 free per month

  • Counter external transfers – 4 free per month

  • Transaction fees waived for Members aged under 18

  • Free transaction fees for full time students°

  • Outward Payments (All Currencies except AUD)

  • Inward Payments (All Currencies)

  • ° on Application – student ID required

 Fees & Charges

 Effective 11th December 2023
ATM balance enquiry ¹ $2.00
ATM withdrawals ¹ $2.00
ATM declined transaction ¹ $2.00
EFTPOS withdrawal (with or without cash-out) $1.00
EFTPOS declined transaction $1.00
Member cheque withdrawals $1.00
Direct debits – per item $0.30
Osko / Other external transfer debits – per item $0.30
Bank@Post withdrawals $3.50
Declined Bank@Post transactions $2.50

 

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

Take advantage of a monthly transaction allowance based on your level of savings and / or loans relationship with Dnister. This program provides our loyal Members with a bonus monthly fee allowance:

Members relationship balance $0 – $24,999 $5.00
Members relationship balance $25,000 – $99,999 $12.00
Members relationship balance $100,000+ $30.00

 

^ Offset account is excluded

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

 

Counter cash withdrawals $3.30
Counter BPAY payments $2.00
Counter External transfers $2.00

 

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.&
Minimum withdrawal is 50% of term deposit

 

& Maximum 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

ATM withdrawals 1 Free
EFTPOS withdrawals (with or without cash-out) Free
Direct debits – per item Free
Osko /Other external transfer debits Free
Bank@Post withdrawals Free
Counter cash withdrawals / BPAY / External Transfers Free
Corporate cheque withdrawal Free

 

^^ Applicable to the Community Access Account

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.

 

 

Tips to minimise fees and charges

  • Take advantage and utilise the list of fee free services

  • Increase your relationship balance with Dnister – bring across your savings or loans to receive a transaction allowance through our *loyalty fee rebate program

  • With Visa Debit use PayWave or press the credit button when making purchases

  • Try to withdraw enough cash in one transaction to meet your weekly cash requirements

  • Use EFTPOS for withdrawing cash at the same time as you make a purchase

  • Use online banking for BPAY transactions to pay your bills rather than cash or cheque

  • Use online banking or your APP to check for account balances before using an ATM

  • Enquire if your organisation is eligible to open a Community Access Account

  • Use low-cost or free transactions where possible

  • Avoid overdrawn fees, dishonour fees & interest charges by having sufficient cleared funds in your account

Things you should know
Dnister provides its Members with the opportunity to minimise fees and charges on their transactions. For detailed information please check the Terms and Conditions, Product Disclosure Statements (PDS) and / or conditions of use for your account, product or service. If you require clarification, please don’t hesitate to ask us.