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  • 1300 688 825
  • What are you looking for?

  • Internet Banking
  • Everyday Banking
    • Transactional Accounts
      • All Transaction Accounts

        Enjoy no transaction fees on all of The Mutual Bank’s Everyday Banking accounts.

      • Express Savings

        Access your money when and where you need it.

      • Mighty Mutual

        Educate children on the importance of saving with a Mighty Mutual youth account

      • Student Saver

        The Mutual Bank’s Student Saver account makes everyday banking easy.

      • Retirement Account

        Flexible at call account, with a competitive interest rate.

      • Loan Saver

        Flexibility of an at call account while reducing the interest on your home loan.

      • 100% Offset

        Pay less interest over time, reducing time it takes to pay off your loan with a 100% Offset Account.

    • Savings Accounts
      • All Savings Accounts

        Achieve your savings goal faster with The Mutual Bank.

      • Internet Saver

        Grow your savings with a competitive interest rate and no fees.

      • Bonus Saver

        Watch your savings grow with our fee-free Bonus Saver Account.

      • Cash Management

        Achieve your savings goal with a Cash Management Account.

      • Christmas Club

        Alleviate your festive season financial worries with a Christmas Club Account.

    • Credit Card
    • Term Deposits
      • Term Deposit

        A simple and secure way to grow your savings.

      • Sovereign Term Deposit

        Secure your savings with a guaranteed rate, for a term that suits you.

      • SMSF

        Manage your Self Managed Super Funds cash with The Mutual Bank’s range of SMSF solutions.

    • Personal Loans
      • All Personal Loans

        Secured and Unsecured Personal Loans for all kinds of purposes.

    • Financial Planning
      • Financial Planning

        Improve your lifestyle with The Mutual Bank’s financial planning services.

    • Insurance
    • Everyday Banking Solutions
      • Accessing Your Money

        Discover all the ways you can access your money.

      • The Mutual App

        Keep track of your finances from anywhere, anytime with easy access for your banking needs.

      • Travel

        Convenient access to your money while you travel.

      • Bank@Post

        Do your day to day banking on your Everyday Account Australia wide with Bank@Post.

      • International Services

        Send or receive funds from overseas with The Mutual Bank’s international banking services.

  • Home Loans
    • Owner Occupied Home Loans
      • All Home Loans

        If you are looking to buy your first home, upgrade or refinance, we have the home loan that is right for you.

      • Owner Occupied Package Home Loan

        A flexible home loan with a great low interest rate, plus a range of best value inclusions.

      • Owner Occupied Budget Home Loan

        Our Budget Home Loan features a low ongoing variable interest rate.

      • Owner Occupied Mutual Home Loan

        A quality Home Loan with a low ongoing variable interest rate and flexible features.

      • Owner Occupied Premium Home Loan

        The Mutual Bank’s Premium Home Loan features best value inclusions and discounts.

      • Owner Occupied Standard Variable Home Loan

        Featuring a 100% Offset Account to help reduce loan interest over time.

      • First Home Buyer

        We are here to help - with our First Home Buyer Package Home Loan and the addition of government support Schemes.

      • Express Credit

        Combine your Home Loan and Everyday Accounts into one.

    • Investment Home Loans
      • All Investment Home Loans

        If you are looking to buy your first investment property or refinance an existing investment, Talk to us… about an Investment Home Loan

      • Investment Package Home Loan

        A great low rate with best value inclusions.

      • Investment Budget Home Loan

        Features a low ongoing variable interest rate.

      • Investment Mutual Home Loan

        A quality investment home loan with low ongoing variable interest rate and flexible features.

      • Investment Premium Home Loan

        Featuring best value inclusions and discounts.

      • Investment Standard Variable Home Loan

        Featuring a 100% Offset Account to help reduce loan interest over time.

      • Investment Express Credit

        Access the equity in your investment property.

  • Business Banking
    • Business Accounts
      • All Business Banking

        Smart ways to do your business banking.

      • Business Internet Saver

        Earn interest on your savings so your money continues to grow

      • Business Cheque Account

        Best value business transaction account with no annual fee, no account-keeping fees and no transaction fees.

      • Business Maximiser

        Earn interest with flexible and convenient access to funds.

      • Community Saver

        Designed exclusively for not-for-profit organisations to facilitate fundraising and manage day to day transactions or for savings.

    • Trust Accounts
    • SMSF Solutions
    • Farm Management Deposit
    • Business Banking Solutions
  • Business Loans
    • All Business Loans
  • About Us
    • News
      • Latest News

        Keep up-to-date with the latest information from The Mutual Bank.

      • Mutual News

        View digital editions of the Mutual News member newsletter.

    • Who We Are
      • Our History

        The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.

      • Board of Directors

        The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.

      • Member-Owned Banking

        As a mutual bank, we are 100% owned by our members. Bank local to support local.

      • Financial Claims Scheme

        Financial Claims Scheme (FCS) which enables account holders quick access to deposits that are protected under the FCS.

    • Community
      • Community

        We are proud to partner with the community we serve.

      • Sponsorship

        We proudly support and sponsor various educational, sporting, cultural clubs and events.

      • Bank@School

        Our Bank@School financial literacy program encourages students to learn about the importance of saving.

      • Volunteering

        Our team proudly volunteers in our community.

    • Corporate Information
      • Corporate Governance

        Commitment to excellence in governance standards.

      • Financial Reports

        View the highlights of The Mutual Bank's most recent annual report.

      • APS330 Prudential Disclosures

        View The Mutual Bank's Prudential Disclosures.

      • Corporate Social Responsibility

        We have an obligation to our members and the wider community to operate in a socially responsible manner.

    • Our Members
      • Privacy

        View our Privacy Policy here.

      • Important Information

        View our Product Disclosure Statement Part 1 & Part 2, Financial Services Guide, Credit Guide & Credit Card Conditions of Use here.

      • Visa Dispute

        Steps to resolve a Visa Dispute.

      • Financial Hardship

        We have been committed to providing assistance to members who are experiencing financial hardship since we commenced operations in 1888.

      • Dispute Resolution

        Steps to resolve complaints and disputes.

      • Complaints

        We are committed to the highest standards of service to our members.

      • Website Terms of Use

      • Notice of Meeting

        The 132nd Annual General Meeting will be held on 24 September 2020.

      • Open Banking and Consumer Data Right

        What is it? And what does it mean for you?

    • Your Security
      • Lost or Stolen Cards

        If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.

      • Fraud Prevention

        How to protect yourself from identity theft.

      • Internet Banking Fraud

        Tips that will help protect you against Internet Banking fraud

      • Card Fraud

        Tips to protect yourself from card fraud.

      • Verified by VISA

        Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores

      • Security Token

        To ensure your Internet Banking experience is as secure as possible, The Mutual Bank can provide members with a free Mutual Security Token.

      • Anti-Money Laundering

        Financial Institutions in Australia are governed by the Anti-Money Laundering and Counter-Terrorism Financing Act which came into force in 2006.

    • Careers
      • Recruitment process

        If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.

      • What we offer you

        Our people are the reason for The Mutual Banks growth and success.

      • Health & wellbeing

        The Mutual Bank promotes workplace safety and personal wellbeing.

      • Growth & learning

        The Mutual Bank is committed to training and development, to deliver best-practice service to our members.

      • Positions vacant

        If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.

  • Tools
    • Interest Rates
      • Home Loan Interest Rates

      • Investment Home Loan Interest Rates

      • Mutual Visa Credit Card & Personal Loan Interest Rates

      • Savings Account Interest Rates

      • Everyday Banking Interest Rates

      • Term Deposit Interest Rates

      • Business Loan Interest Rates

      • Business Banking Interest Rates

    • Lending Fees and Charges
      • All Lending Fees and Charges

      • Commercial

      • Consumer

      • Credit Card

    • Calculators
      • All Calculators

        The Mutual Bank offers a range of handy calculators for you to better manage your finances.

      • Home Loan Repayment

        Find out how much your monthly home loan repayments could be and the estimated total interest that may become payable on your home loan.

      • Introductory Loan

        The Introductory Loan Calculator enables you to calculate your repayments at a standard interest rate and at an initial ‘introductory’ or discounted interest rate.

      • Borrowing Power

        The Borrowing Power Calculator enables you to calculate how much you can expect to borrow based on your current salary and existing financial commitments.

      • Extra Repayments

        See the effect of making regular extra payments on your loan.

      • Loan Comparison

        Compare two loans and work out which one is best for you.

      • Lump Sum Repayment

        See the effect of making a one off lump sum payment to your loan.

      • Stamp Duty

        Calculate the Stamp Duty incurred and First Home Buyers bonuses in any state or territory within Australia.

      • Split Loan

        Calculate the effect of splitting your loan into fixed and variable components.

      • Personal Loan

        Calculate the repayments on a personal loan.

      • Car Loan

        Use this calculator to see if you can afford to buy that car.

      • Savings Plan

        Determine how a savings plan will boost your account balance over a selected period of time.

      • Budget Planner

        Calculate your surplus income by reviewing your income and expenses.

      • Term Deposit

        See the growing potential of your savings.

      • Income Tax

        Calculate the amount of tax on your annual income.

    • Enquire
      • All Forms

      • Home Loan Enquiry Form

      • Business Banking Enquiry Form

      • Personal Loan Enquiry Form

      • Mutual Visa Credit Enquiry Form

      • Personal Membership Application Form

      • Financial Planning Enquiry Form

      • General Enquiry Form

      • Credit Card Limit Reduce or Close

      • Personal Banking Enquiry Form

      • Internet/Phone Banking Registration Form

    • Key Fact Sheets
      • Key Fact Sheets

  • 646-000
  • Join Us
  • Contact Us
  • 1300 688 825

The Mutual App

Keep track of your finances from anywhere, anytime with easy access for your banking needs.

  • Home
  • Everyday Banking
  • Everyday Banking Solutions
  • The Mutual App

The Mutual App allows members who are registered for Internet Banking to access the most popular products and services from the convenience of an iPhone or Android phone. You can keep track of your finances from anywhere, anytime with easy access for your banking needs. 

The Mutual App allows members to:

  • Activate new Mutual Visa Cards
  • View your pending transactions and alter your future payments
  • Ability to lock and unlock your Mutual Visa Card, if your card is lost or stolen
  • Ability to change the PIN attached to your Mutual Visa Card
  • Set a Quick Balance account to check available funds with a simple double tap
  • Order a replacement Mutual Visa Card 
  • Log in securely by setting a 4 digit PIN, pattern, or Touch ID accessibility for supported devices
  • Transfer money instantly between your own accounts
  • Transfer money to external accounts
  • Make BPAY payments to new and existing billers
  • Make near real-time Osko payments to other participating Australian financial institutions
  • View specific account and product details such as interest rates, fees and product information

Talk to us...

Learn about The Mutual Bank

  • Trusted provider of financial solutions
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  • Bank anywhere, anytime
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Contact us
  • 1300 688 825
  • info@themutual.com.au
  • 646-000

   

Home | Privacy Policy | Terms and Conditions | CDR Policy | Contact Us | Lost or Stolen Cards | Website Terms of Use

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. Interest rates and credit fees and charges may change without notice. Please review our Product Disclosure Statement, Financial Services Guide and Credit Guide before acquiring the product.

 Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian Credit Licence 238139