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Frequently asked questions and answers for Bankwest

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Fact-checked by Olesya Krasavtseva

Content Editor at Prostobank Consulting

Updated: 01.09.2026

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Official Bank Information

Bankwest

Support: 13 17 19

SWIFT Code: BKWAAU6P

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Personal credit cards

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Ongoing purchase rate and balance transfer rate are 18.99% p.a.Cash advance rate is set at 21.99% p.a.Requires a minimum credit limit of $1,000Introductory promotional offer: 0% p.a. for 6 months on both purchases and balance transfers for new customers (balance transfers incur a 3% fee)Offers up to 55 days interestfree on purchases when paying the full balance monthlyDoes not include rewards points, lounge access, or complimentary insurance coverages

Personal savings accounts

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Maximum interest rate of 5.10% p.a. combines a standard variable base rate of 0.65% p.a. and a variable bonus rate of 4.45% p.a.To earn the bonus rate, the account balance at the close of business hours on the last business day of the month must be higher than it was on the first business day of the month (excluding interest payments)The total variable Hero rate of 5.10% p.a. only applies to the portion of the balance up to $250,000.99For the portion of the balance over $250,000.99 and up to $5,000,000.99, only the standard variable rate of 0.65% p.a. appliesInterest is calculated daily and paid using a tiered partbalance methodAccount defaults to digital eStatements via online banking and the app, though customers can manually opt into paper statements

Personal transaction accounts

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Comes with a linked Platinum Debit Mastercard supporting digital wallets and contactless paymentsFeatures advanced digital security options including the creation of singleuse or multiuse virtual cardsProvides subscription tracking, deep transaction searching, and immediate mobile notification alertsEnables biometric login security alongside instantaneous inapp card locking and unlocking capabilitiesCan be linked directly to an Easy Saver account to help optimize and build interest on surplus cashDoes not pay credit interest on the transaction balance itself

Loans & Mortgages

Personal Home Loans

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Locks in a fixed interest rate for a strict 12month timeline: 6.49% p.a. for an LVR up to 80% or 6.89% p.a. for an LVR between 80.01% and 90%Comparison rates reflect a steep shift back to standard variable rates at maturity (e.g., 7.32% p.a. to 8.78% p.a. depending on standalone or packaged setup)Protects the borrower from any upward interest rate movements over the 1year durationPrepayment capacity is heavily restricted; exceeding the minor annual allowance triggers break costsCan be executed as a standalone loan or as part of a split loan strategy alongside a variable account

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