Our range of products

  • Offset Deposit Account

    Pay less interest and own your home sooner

    Learn more

    This product includes

    • Link up to 10 Deposit Offset Accounts to your eligible home loan
    • The combined funds are offset against your home loan balance each day
    • Easy access to your money whenever you need it
    • Manage your account online, via the app, or by phone banking
    • Digital wallet payments with Apple Pay, Samsung Pay and Google Pay1

    This product does not include

    • The ability to earn any interest on your deposits
    • A cheque book or the option to make same-day payments to an external account
    • Automated features to help you manage your monthly income and budget
    Terms and conditions

  • Bett3r Offset Account

    This product is no longer available for new customers and the Bett3r Rewards are terminated from 1 July 2022 for all customers. 

    Learn more

    This product includes

    • Three linked accounts – Pay, Save and Spend 
    • All funds in the three accounts offset the interest on your eligible home loan
    • Automation helps you manage your money and track savings goals.
    • Manage your money via the Bett3r app
    • Digital wallet payments with Apple Pay, Samsung Pay and Google Pay1

    This product does not include

    • The ability to earn any interest on the deposits in your Pay, Save or Spend accounts
    • Phone banking, cheque book or the option to make same-day payments to an external account
    • Being able to make online transactions on a desktop computer
    Terms and conditions

Important information

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice. 

A target market determination for these products is available on our TMD page.

1 Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Devices compatible with NFC point of sale terminals for contactless transactions include Samsung Galaxy Note 5, Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S7, Galaxy S7 edge, Galaxy A5, Galaxy A7, Galaxy S9 and Galaxy S8+. All devices are compatible with MST point of sale terminals for swipe transactions except for Galaxy S6, Galaxy S6 edge and Gear S2.