SmartBudget is a clever bill paying and budgeting tool that allows you to set your budget for the year ahead. It removes stress by smoothing out your nominated bills for 12 months and may help you achieve your financial goals and aspirations faster.
- Smooth your bills out over the year into weekly, fortnightly or monthly payments.
- Track and pay your bills via internet banking and the mobile banking app, or drop bills into your local branch for payment.
- If all your bills come at once, we won’t charge interest if your account becomes overdrawn.*
- No fees for cheques, BPAY® or direct debits
$5 per month.
Read our Frequently Asked Questions.
All interest rates quoted are per annum and are calculated on a tiered basis. Interest on the credit balance of a SmartBudget account is calculated on the minimum monthly balance and paid monthly. Rates are subject to change without notice.
*If the balance in your account is going to be negative in the first eight weeks (i.e. the dollar value of the bills that are due in the first 8 weeks plus the monthly service fee is more than your regular deposits) we will ask you to top-up the difference into your account. Your SmartBudget Account cannot have a debit balance of $5,000 or more at any time.
Download our Fees and Charges brochure for full details.
Before acquiring this product you should read our Financial Services Guide, SmartBudget brochure, Account and Access Facility Conditions of Use and SmartBudget Agreement Terms and Conditions. This information does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice.
®Registered to BPAY Pty Ltd ABN 69 079 137 518.