Fairer fees for all
At Unicredit, our ongoing aim is to keep fees and charges to an absolute minimum. We are constantly working to improve the products and services we provide, so 100% of our profits are reinvested in your Society.
We promise our members that our costs are always up front and we guarantee no hidden charges. Our fee structure is simple, fair and equitable, making Unicredit a safe and easy place to manage your finances.
Yours at no charge
- 10 free debit transactions per calendar month per membership.
- Free cash withdrawals at all branches 1.
- Free transfers at all branches or using telephone or internet banking
- Unlimited Free BPAY transactions 2.
- Unlimited external transfers using Uniteller online banking 2.
- Unrestricted Visa and MasterCard purchases and bill paying using the ‘credit’ button.
1 Branch cash withdrawals and internal transfers are included in the 10 free monthly debit transaction count,
however, remain free thereafter. See ‘Transaction
fees’ for
more information.
2 BPAY transactions and transfers are free and are not included in the 10 free monthly debit transaction count. BPAY transactions can be completed at any Unicredit branch, telephone or online banking.
$2 Monthly account keeping fee
This fee is charged to offset Unicredit’s costs in providing and maintaining a personal account.
This fee is not payable if:
- You maintain a minimum monthly loan and/or savings balance of $500 or more
- You have been a Unicredit member for at least ten years
- You are aged under 18 or over 65 years
- You are a full time student in your first 12 months’ Unicredit membership
Fee free banking
All Unicredit members are allowed 10 free debit transactions per calendar month aggregated over all savings and equity access accounts within one membership and ownership, including withdrawals via direct debit, member chequing, EFTPOS, ATM, Bank@Post and cash withdrawals at Unicredit branches.
After the first 10 free debit transactions, all branch cash withdrawals remain free. BPAY and transfers are free and are not included in the ten free transactions.
Transaction
fees
After the first 10 free transactions, all branch cash withdrawals and electronic transfers remain free with the following fees payable per transaction:
| Transaction fees |
|
| Direct debit | $0.50 |
| Member cheque (from cheque book) | $0.50 |
| EFTPOS | $0.60 |
| ATM withdrawal | $1.00 |
| Bank@Post | $1.50 |
- Withdrawals made from overseas Visa/PLUS* branded ATMs are charged $3.70 per transaction.
- Transaction fees are calculated and debited to your account on the last working day of the calendar month.
Account
service charges
| Cheque Fees, The following fees apply: |
|
| Stopped member cheque – if presented |
$ 40.00 |
| Inward cheque deposit dishonour fee | $ 15.00 |
| Outward member cheque dishonour fee | $ 40.00 |
| Honour fee (where there are insufficient cleared funds to meet a cheque, but the cheque is honoured) | $ 2.50 |
| Corporate cheque (over the counter or posted) | $ 3.00 |
| Bank cheque# | $ 8.00 |
| Cheque deposits (cost per cheque: first 10 cheque deposits per calendar month are free) | $ 0.20 |
Redicard PLUS # |
|
| International cash withdrawal (from Visa/PLUS* ATM’s outside Australia). | $3.70 |
| Redicard PLUS (ATM/EFT) dispute # |
|
Retrieval cost per transaction - within Australia |
$5.50 |
Retrieval cost per transaction - overseas |
$18.00 |
Visa Debit Card Fees#* |
||
| Visa purchases and agency bill payments using the “credit” button are exempt from transaction fees and are not included in the transaction count. The following charges do apply: | ||
| Visa cash advance from another bank |
$3.70 |
|
| Visa ATM cash advance using the ‘credit’ button | $3.70 |
|
| Replacement Visa Card or Redicard | $5.00 |
|
| Emergency Visa Card replacement | ||
| National | $18.00 |
|
| International | $300.00 |
|
| If declined | $70.00 |
|
| Emergency cash withdrawal lost or stolen Visa Card | ||
| International | $300.00 |
|
| If declined | $70.00 |
|
| VISA (ATM/EFT) dispute # | ||
| Retrieval cost per transaction - within Australia | $5.50 |
|
| Retrieval cost per transaction - overseas | $18.00 |
|
| Chargeback (Plus 1.32% domestic value or 1.6% foreign value ) | $23.00 |
|
| Arbitration (Plus US$250 lodgement & US$250 review) | $18.00 |
|
| Fees may vary due to exchange rates. Merchants and other institutions may impose additional restrictions or charges. | ||
MyCard MasterCard Fees and Charges* |
||
| Annual account fee | ||
| Silver Card with Standard Rewards & Low Rate Mastercard Silver | $35.00 p.a. |
|
| Gold Card with Standard Rewards & Low Rate Mastercard Gold | $75.00 p.a. |
|
| Gold Card with BlueSky Rewards | $99.00 p.a. |
|
| Over Limit Fee | ||
| $40 when your account is overlimit. Charged once per month on statement date. | ||
| Cash Advances | ||
| LOCAL: $2.70 (or 2.70% of amount when >=$100)
for each cash advance. FOREIGN: $5.00 for each cash advance outside Australia. |
||
| Over the counter payments at Australia Post | ||
| $2.00 per payment made over the counter at Australia Post | ||
| Late Charge | ||
| $15 is charged if the Total Payment Due is not paid on or before the Payment Due Date on your monthly statement, and every 7 days thereafter until the Total Payment Due is paid. | ||
| Dishonour Fee | ||
| $25 for any cheque or Easi-pay authority which is not honoured in full. | ||
| Transaction Voucher Request Fee | ||
| $10 for each requested sales voucher or other transaction recorded. | ||
| Foreign Exchange Conversion Fees | ||
| 3.4% of the transaction value when converted into $AUD. | ||
| Government Fees and Charges | ||
| All State government duties and taxes are charged
to cardholder accounts. All are calculated and appear on the monthly transaction statement at cycle date. |
||
| Terms and conditions apply and are available upon application.Standard Card Services fees and charges apply. Approval of your application is at all times subject to Card Services credit criteria. ©2006. Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080.AFSL 238098, which provides and administers credit. | ||
International Currency Charges |
|
| Foreign currency bank draft - purchase | $15.00 |
| Foreign currency bank draft - deposit | $7.00 |
| Foreign currency bank draft - dishonour fee | $55.00 |
| Cancelling/reissuing a foreign currency draft | $35.00 |
(plus difference in exchange rate at time of
cancellation/repurchase) |
|
| Travellers’ cheques – purchase | 1% of value ($5 min charge) |
| Travellers’ cheques – deposit | $5.00 |
| Foreign cash – purchases and deposits | 1% of value ($20 max charge) |
| Telegraphic transfer (overseas electronic transfer) | $25.00 |
Bill Payments |
|||
| BPAY (Uniteller, telephone banking, over the counter) | free |
||
| Periodical payment / Uniteller cheque request |
$3.00 |
||
| Periodical payment dishonour fee | $10.00 |
||
Dishonour Fees |
|||
| Inward cheque deposit dishonour fee | $15.00 |
||
| Outward member cheque dishonour fee | $40.00 |
||
| Periodical payment dishonour fee | $10.00 |
||
| Direct debit dishonour fee | $20.00 |
||
Specific Account Charges |
|||
| Christmas Club – early withdrawal | $10.00 |
||
| Target Savings – less than minimum withdrawal | $5.00 |
||
| Super Savers – third and subsequent monthly withdrawals | $5.00 |
||
| Cheque-a-month – withdrawal within restricted 90 day period or less than minimum withdrawal amount | $5.00 |
||
Additional Service Charges |
|||
| Replacement Redicard or Visa Card | $5.00 |
||
| SMS Alerts and Enquiries (cost per message) | $0.25 |
||
| Bank Audit Certificate | $20.00 |
||
| Dormancy fee (annual) | $25.00 |
||
| SWIFT electronic transfer # | $10.25 |
||
| Withdrawal for interstate credit union | $5.00 |
||
| Business name search + | $15.40 |
||
| Company search + | $14.52 |
||
| Additional statement of account (per statement) | $2.00 |
||
| Coin counting (non-members only) | $10.00 |
||
| Retrieval of vouchers and statements | $20.00/hr |
||
| Fee based on $20.00 per hour plus $2 per item printed. Please enquire before making the request. | |||
| Retrieval of paid cheques (per cheque) | $8.25 |
||
| Trace destination of cheque funds | $7.50 |
||
| BPAY® / EFT dispute # | |||
| Retrieval cost per transaction | $5.50 |
||
Loan fees and charges
These fees and charges are to be read in conjunction with your Loan Account Terms and Conditions.
Personal Loans |
|||
| Standard Package establishment fees | |||
| Loan amount up to $5,000 | $50.00 |
||
| Loan amount over $5,000 | $100.00 |
||
| Member or University Package establishment fees | |||
| Loan amount up to $5,000 | $25.00 |
||
| Loan amount over $5,000 | $50.00 |
||
| Student loan establishment fees | Nil |
||
| Chattel mortgage security (REVS) (over motor vehicle if required)+ | |||
| New | $10.50 |
||
| Renewal | $5.50 |
||
| Government stamp duty (applicable to secured loans and overdrafts)+ | |||
| subject to change | |||
Unsecured Overdrafts |
|||
| Establishment fee | $50.00 |
||
Mortgage Secured Loans (Real Estate) |
|||
| Establishment fee | $200.00 |
||
| Government stamp duty applies and is subject to change | |||
Register of Titles (DLI) Costs+ |
|||
| Land title search | $13.50 - $17.00 |
||
| Registration of 1st mortgage/caveat | $85.00 |
||
| Registration of 2nd mortgage | $123.00 |
||
| Registration cost of withdrawal of caveat | $85.00 |
||
| Registration cost of discharge of mortgage | $85.00 |
||
| Mortgage duplicate copy fee | $5.00 |
||
Security Preparation Costs |
|||
| Mortgage/caveat discharge with settlement | $125.00 |
||
| Mortgage/caveat discharge without settlement | $65.00 |
||
Security Lodgement Fee (All Property Settlements)# |
|||
| Lodgement of mortgage/caveat | $73.35 |
||
| Settlement fee if attendance is required | $140.00 |
||
| Lodgement of discharge of mortgage/caveat | $66.65 |
||
External Valuation Fee # |
|||
| Perth Metropolitan area | |||
| Value up to $999,999 | $184.50 |
||
| Value over $1,000,000 | subject to quotation |
||
| Country valuation | by request |
||
| Country valuations vary depending on location, charged by mileage. An approximate cost can be provided prior to valuation. | |||
| Progress inspections - per inspection | $51.25 |
||
| Progress inspections may be required for homes in the course of construction (usually five). | |||
Other Fees |
|||
| Loan switching fees | $175.00 |
||
| Contract variation – mortgage | $100.00 |
||
| Contract variation – other | $50.00 |
||
| Production of title for 3rd party lodgement | $75.00 |
||
| Bank cheque – per cheque# | $8.00 |
||
Collection Fees |
|||
| Default notice | $25.00 |
||
| Enforcement/legal/collection agency fees # | As incurred by the Society |
||
