• About Us
  • Contact Us
  • Member Support
  • Internet Banking Internet Banking
Menu
  • Loans
    • Home Loans
    • Investment
    • Car
    • Personal
    • BeGreen Loan
    • Overdraft
    • Credit Cards
  • Access
    • Accounts
      • Access Saver Account Your everyday transaction account with total flexibility and convenience.
      • Smart Start Access Saver An everyday access account designed for 13 to 24 year olds
      • Retirement Access Saver A transaction account for members aged 65+ and those with a govt pension
      • Budget Saver Account Always have funds in your account to pay your bills on time, every time!
      • Mortgage Offset Account Pay off your home loan sooner and access your money.
    • 24/7 Banking
      • Internet Banking Manage your money from anywhere, 24/7 in a secure environment.
      • Easy App First Option’s mobile banking app gives you easy banking when you're on the go.
      • PhoneLink Your 24/7 phone banking service that doesn't need Internet access.
      • Online Statements The fast and secure way to receive your statements.
      • SMS Banking Get your account balances and recent transactions instantly.
      • Account Alerts Receive a notification the moment something occurs, e.g. payday!
    • Cards
      • Visa Debit Card Shop online and use Visa payWave, accessing your own funds.
    • Deposits & Withdrawals
      • ATM Access Use all ATMs in Australia. We don't charge a fee for ATM usage.
      • Bank@Post Deposit, withdraw or pay bills at over 3,200 Australia Post outlets.
      • Direct Credit Get your pay, pension, other income deposited to your First Option account.
      • Direct Debit (QuickDebit) Debit funds from your bank account to your First Option account.
      • Receiving Money from Overseas Do you want to receive an international payment from family members or your trading partners?
    • Payments
      • Mobile Payments Travel light and leave your cards at home. Tap and pay everyday.
      • BPAY Pay your bills through Easy App, PhoneLink and Internet Banking.
      • EFTPOS Pay for purchases and withdraw cash from any eftpos terminal.
      • Direct Debits The easy way to pay your bills automatically.
      • Periodical Payments Make automatic payments for a specified amount at regular intervals.
      • Real Time Payments Faster, simpler and smarter payments. Transfer funds in real time!
      • Sending Money Overseas Do you need to send money overseas to family, friends or business suppliers?
      • Cheques Have a cheque book on hand in case of an emergency.
    • Rates and Fees
      • Savings & Investment Rates Check out our competitive Savings and Investment Account rates.
      • Loan & Credit Card Rates View our competitive loan and credit card rates
      • Fees & Charges Schedule Have a look at our Fees and Charges to learn how to avoid them.
      • FX Rate Calculator Check foreign exchange rates before you send or receive money from overseas.
  • Savings
    • Accounts
      • iT Saver Account Your online savings account, earn maximum interest with minimum fuss.
      • Kids Bonus Saver Account The best kids’ savings account in Australia. Four years in a row!
      • Christmas Saver Account It’s the most expensive time of year, so be prepared and enjoy the season.
      • Bonus Saver Account Save for that special purpose and earn bonus interest along the way.
      • Cash Management Account An ideal place to park funds from the sale of a house or other asset.
      • Special Purpose Account Set up a special account to save up for that next holiday.
      • GST / Tax Saver Acount The perfect account to save for your GST/Tax payments.
    • Investments
      • Standard Term Deposits Lock in a competitive fixed rate for a set period, up to 2 years.
      • Regular Income Term Deposits Earn a fixed rate, with interest paid monthly to a nominated account.
    • Switching to First Option
    • Government Deposit Guarantee
  • Wealth
    • Super
      • Super Cash Hub A Cash Management Account that’s one of the best in the SMSF market.
      • SMSF Advice First Option recommends Dr Steve Enticott of the CIA Group.
    • Insurance
      • Home & Contents Insurance Your home is shelter for your family, treasured memories and possessions. Protect it.
      • Motor Vehicle Insurance Insure against accidents and theft, as well as damage you might cause to someone else’s vehicle.
      • Landlord Insurance Comprehensive yet affordable cover for your investment property, as well as all the protection you need as a landlord.
      • Travel Insurance Holidays are the best, but what happens if someone gets sick or you lose your luggage?
      • Caravan & Boat Insurance If your leisure items are damaged or stolen, you can get back to your holiday as soon as possible.
      • Mortgage Protection Insurance A new roof over your head? Cover your home loan at the same time.
      • Mortgage Protection Plus Meet your regular loan repayments if you become sick, disabled, unemployed or pass away.
      • Loan Protection Insurance Cover your car or personal loan commitments if the unexpected happens.
    • Tax and Accounting
    • Financial Planning
      • What is Financial Planning? Would you like to plan for a future lifestyle that is as good as it can possibly be?
      • CIA Wealth Wealth Management that helps members to achieve their goals.
  • Business
    • Business Cash Hub
    • Business Loans & Overdrafts
    • Business Services
    • Receiving Money from Overseas
    • Sending Money Overseas
  • Travel
    • Holiday Money
    • Travel Insurance
    • Receiving Money from Overseas
    • Sending Money Overseas
Looking for an Investment Loan?
We have a wide range of options. Learn more *Terms, conditions, fees and charges apply.
DOES YOUR HOME LOAN MEASURE UP?
Switch to a First Option Home Loan Find out more Terms, conditions, fees and charges apply
Planning a holiday?
Check out our 2% discount special Apply now 1 year fixed rate 10.99%pa (comp rate 11.24%pa). Terms, conditions, fees and charges apply.
  • Apply Online Now
  • Savings & Investments
  • Loans & Credit
  • Calculators
  • Rates & Fees

  • Bathroom Upgrade?

    Take 2% off our fixed rate personal loans*

    Learn more

    * Terms, conditions, fees and charges apply.

  • Kitchen Makeover?

    Take 2% off our fixed rate personal loans*

    Learn more

    * Terms, conditions, fees and charges apply.

  • Getting Married?

    Take 2% off our fixed rate personal loans*

    Learn more

    * Terms, conditions, fees and charges apply.

  • SEN Deal - Take 2% Off Fixed Rate Car Loan

    8.99%pa* fixed for 7 years. Comparison rate 9.24%pa#

    Learn more

    * Terms, conditions, fees and charges apply. # See website for more info

  • Want to Win 1 Million Velocity Points?

    Tap, tap and away!

    Learn more

    * Ends 10 Oct 2019. Terms and conditions apply.

  • Low Rate Credit Card

    9.99%pa* purchase rate

    Apply Now

    * Terms, conditions, fees and charges apply.

  • Rate Change Notice 15 Oct 2019
    Please note changes to selected Savings Account and Mortgage Loan interest rates. ... Read on
  • Notifications sent out in error
    Due to a technical error, some Members may have received a text message or email from our organisation today.  ... Read on
  • Savings Account Changes
    Please note changes to selected Savings Accounts effective 13 Sept 2019. ... Read on
See all articles
  • About Us
  • /
  • Contact Us
  • /
  • Member Support
  • /
  • Security
  • /
  • Privacy
  • /
  • Site Map
  • /
  • Blog

Tel 1300 855 675  /  BSB no. 802 876

    

 

Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Conditions of Use and Financial Services Guide. © Copyright 2018 First Option Bank Ltd | ABN 95 087 650 735 | AFSL / Australian Credit Licence 236 509