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SmartBudget account

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.



$5 per month.

More information

Read our Frequently Asked Questions.

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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 GuideSmartBudget brochureAccount 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.  

Interest Rate


 Current Rate

$5,000 plus 0.01% p.a.
$0 – $4,999 0.00% p.a.


Rates effective 6 August 2018.