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 * About Us
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 * BSB 704-191
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 * Banking
   Mobile Banking
   
   Fast, secure and easy way to pay.
   
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   BANKING
   
    * Transaction Accounts
      
      Take advantage of the many ways to bank with us and make managing your
      money the simplest part of your day.
   
    * Savings Accounts
      
      Boost your savings with flexible accounts and competitive rates.
   
    * Term Deposits
      
      Lock in a great rate and grow your savings with peace of mind.
   
    * Credit Cards
      
      Low fee and low rate credit cards with 24/7 worldwide access to your
      money.
   
    * Travel and Foreign Exchange
      
      Secure and easy options to transfer or spend money overseas.
   
    * School Accounts
      
      We're committed to education, and can help manage your school's finances.
   
    * Preschool Accounts
      
      Manage your preschool's finances with a range of accounts and term
      deposits.
   
    * Interest Rates
      
      View our current banking interest rates.

 * Loans
   Comprehensive Credit Reporting
   
   It’s important that you’re aware of how Comprehensive Credit Reporting
   impacts your credit report.
   
   Learn more
   
   
   LOANS
   
    * Home Loans
      
      Feature-packed loans to suit every homebuyer.
   
    * Car and Personal Loans
      
      Flexible personal loans to suit your needs.
   
    * Credit Cards
      
      Low fee and low rate credit cards with 24/7 worldwide access to your
      money.
   
    * Calculators
      
      Easy to use calculators including loan repayment and borrowing power
      calculators
   
    * Interest Rates Loans
      
      View our current loan interest rates.

 * Insurance
   Helping you find the right cover
   
   Our focus is protecting you with market-leading Insurance
   
   More info
   
   
   INSURANCE
   
    * Car
      
      Drive in confidence with a range of Insurance levels.
   
    * Home and Contents
      
      Protect your home and your belongings.
   
    * Travel
      
      Find the right cover for your holiday.
   
    * Landlord
      
      Helping you find the right cover for your investment.
   
    * Health
      
      Find the right Health Insurance for you.
   
    * Life
      
      Protecting your family's future.
   
    * Other Vehicle
      
      Insurance for motorcycles, boats and caravans.

 * Financial Planning



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LoginInternet BankingLoginInternet Banking
 * Banking
   Banking
    * Transaction Accounts
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    * Interest Rates
   
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   Fast, secure and easy way to pay.
   
   Learn more
 * Loans
   Loans
    * Home Loans
    * Car and Personal Loans
    * Credit Cards
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   Comprehensive Credit Reporting
   
   It’s important that you’re aware of how Comprehensive Credit Reporting
   impacts your credit report.
   
   Learn more
 * Insurance
   Insurance
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    * Home and Contents
    * Travel
    * Landlord
    * Health
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BSB 704-191


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POPULAR TOPICS

 * Loans
 * Home Loans
 * Home and Contents
 * Credit Cards
 * Get started with Internet Banking

 * 1300 654 822
 * BSB 704-191




MAKE YOUR MONEY WORK HARDER!

Hurry, for a limited time only. Conditions apply.

4.60%p.a
90 days Term Deposit

4.75%p.a
180 days Term Deposit
Find out more
 * Open an account
 * Manage accounts and passwords
 * Forms and applications
 * Interest Rates
 * Report fraud and scams

Banking anywhere, anytime

We’re giving you the tools and confidence to bank safely online.

Our step-by-step video guides will lead you through the process.

It’s easy and it’s safe.

Learn more
Teaching Initiatives Program NOW OPEN

In 2024, we’re looking for innovative projects which will benefit a school
community.

Grants up to $2000 are available, including an additional $500 for our People’s
Choice winner.

Find out more


NEWS AND ARTICLES


A YEAR OF IMPACT WITH PINCHAPOO

Community
Whether you're a patient, a family member, or a friend, your wellbeing matters
to us. Read more about how we’re partnering with Pinchapoo to help offer relief
in times of need.
Visit now


O WEEK '24 WINNERS

Thanks to everyone who joined us under the Big Top at university campuses across
Victoria.

These students have just entered their winner era. Congratulations!

View winners


ALFRED HEALTH - ADVANCING NURSING LEADERSHIP

At Bank First, we’re not just about funding scholarships; we’re about investing
in the future of nursing and healthcare.

Nursing scholarship recipients Cassie, left, and Kathy, right, recently met with
Bank First CEO Michelle Bagnall to share the results of their scholarship-funded
research projects.

Read more


SUPPORTING YOU THROUGH EACH LIFE STAGE

No matter what life stage you’re at, we’re here to support you with products and
advice best suited to your individual needs. Explore your options below!


 * Starting out
 * Protecting future you
 * Building wealth
 * Enjoying retirement


Saving for your first home?


FIRST HOME BONUS SAVER

Our First Home Bonus Saver earns extra interest with $600 cashback and the
establishment fee waived if you take out a home loan with us. T&Cs apply.
4.60%p.a
Bonus interest rate3

0.05%p.a
Base interest rate
 * Cash back
 * No minimum first deposit
 * Grow your savings quickly
 * Earn bonus interest

Learn moreApply now
Kickstart your savings online


ONLINE SAVER ACCOUNT

With our Online Saver Account you can get rewarded while getting one step closer
to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)

0.05%p.a
Interest rate ($0 - $1,999)
 * Earn bonus interest
 * No monthly account keeping fees
 * Grow your savings quickly
 * Unlimited withdrawals with no penalty

Learn moreApply now
Lock in a low rate


PREMIER PACKAGE HOME LOAN

We’re here to support you with a home loan package to suit your needs. Available
to owner occupied members LVR < 80%.
6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate1

7.00%p.a
Comparison Rate2
 * Low introductory variable rate
 * Multiple offset accounts
 * Flexible features
 * Enjoy discounts on other products

Learn moreApply now
A helping hand


PERSONAL LOAN

From a holiday to a renovation, sometimes you need a unique solution. Our
Personal Loan can help you achieve your dream.
9.64%p.a
Variable interest rate

11.00%p.a
Comparison Rate4
 * Flexible repayment options
 * Redraw option
 * No ongoing fees
 * Secure a personal loan for up to 7 years

Apply now
1-3 of 4

Peace of mind


HOME AND CONTENTS INSURANCE

Feel at peace knowing your home and contents are safe with CGU Home and Contents
Insurance.⁵
 * Choice of 3 cover options
 * Flexible payment options
 * Lodge claims 24/7
 * We've partnered with CGU, one of Australia's most trusted insurers

Learn moreGet a quote
Ready for the future


FINANCIAL PLANNING

Need help to build your wealth and protect your family for the future? Chat to a
Financial Planner today to explore your options.
 * Our expert, ethical advice is designed to put you first
 * Suitable investment strategies
 * Protect your loved ones
 * Estate planning

Learn more
Lock in a low rate


PREMIER PACKAGE HOME LOAN

We’re here to support you with a home loan package to suit your needs. Available
to owner occupied members LVR < 80%.
6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate1

7.00%p.a
Comparison Rate2
 * Low introductory variable rate
 * Multiple offset accounts
 * Flexible features
 * Enjoy discounts on other products

Learn moreApply now
Protect your family


LIFE INSURANCE

Make the right decision to protect your family’s future. Whether it be life
insurance or income protection, you can have peace of mind for your family’s
future. Contact us today for a quote.
 * We’ve partnered with Zurich, whose focus is providing you cover that will
   give you peace of mind
 * A commitment to paying claims quickly, sensitively and transparently
 * Making it easy to get the information you need and the help you want

Learn moreGet a quote
1-3 of 4

Ready for the future


FINANCIAL PLANNING

Need help to build your wealth and protect your family for the future? Chat to a
Financial Planner today to explore your options.
 * Our expert, ethical advice is designed to put you first
 * Suitable investment strategies
 * Protect your loved ones
 * Estate planning

Learn more
Bonuses on savings


BONUS SAVER ACCOUNT

Reach your savings goal quicker with a Bonus Saver Account. Get bonus interest
when you make a deposit of at least $1 each month.
4.55%p.a
Bonus interest rate6

0.05%p.a
Base interest rate
 * No minimum first deposit, so you can start saving today
 * Interest calculated daily and applied monthly
 * Generous bonus interest

Learn moreApply now
Kickstart your savings online


ONLINE SAVER ACCOUNT

With our Online Saver Account you can get rewarded while getting one step closer
to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)

0.05%p.a
Interest rate ($0 - $1,999)
 * Earn bonus interest
 * No monthly account keeping fees
 * Grow your savings quickly
 * Unlimited withdrawals with no penalty

Learn moreApply now
Grow your money


TERM DEPOSIT

Grow your savings and keep your money safe for the future with a Term Deposit.
Choose from a different range of terms to suit your needs.
 * Fixed return on your investments
 * Deposit protection
 * No monthly account or application fees
 * Flexible terms

Learn moreApply now
1-3 of 4

Everyday account for pensioners


PENSION ACCOUNT

Competitive interest rates for pensioners to make sure that your money's working
for you.
3.40%p.a
Interest rate (all amounts)
 * No minimum balance necessary
 * Access your funds whenever you need them for your everyday spending
 * Benefit from interest that is a higher rate than a standard transaction
   account

Learn moreApply now
Kickstart your savings online


ONLINE SAVER ACCOUNT

With our Online Saver Account you can get rewarded while getting one step closer
to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)

0.05%p.a
Interest rate ($0 - $1,999)
 * Earn bonus interest
 * No monthly account keeping fees
 * Grow your savings quickly
 * Unlimited withdrawals with no penalty

Learn moreApply now


NO WALLET, NO PROBLEM

Simply add your card to your digital wallet and pay on-the-go through Apple
Pay7 or Google Pay7.

Quick and easy, tap and go.

Apple PayGoogle Pay


WE'RE HERE TO HELP


GET IN TOUCH

Fill in our online form, request a callback or find a branch.



Learn more


FRAUD AND SCAMS

Find more information and resources on theft, fraud and scams.

Learn more


FORMS AND APPLICATIONS

Make account changes or apply online.



Learn more


DOWNLOAD OUR APP

Easy, fast and secure banking on-the-go.

Learn more
 * Important Information
   
    1. Premier Package annual fee of $390 will be waived for the first year and
       charged annually thereafter. Rate includes a 0.33% p.a. discount for
       Owner Occupied loans and 0.47% p.a. discount for Investment loans off the
       standard Premier Package variable rate for three years, after which it
       will revert to the standard Premier Package variable rate. Not available
       to existing Bank First owner occupied or investment home loan customers.
       Min loan $200k, max loan $2m, LVR up to 80% and interest only not
       available. Not available in conjunction with any other offer. Bank First
       reserves the right to amend or withdraw this offer at any time.
   
    2. Comparison rate calculated on a secured loan amount of $150,000 for a
       term of 25 years. WARNING: This comparison rate is true only for the
       example given and may not include all fees and charges. Different terms,
       fees and other loan amounts might result in a different comparison rate.
       Fees and charges apply. Terms and conditions available upon request.
   
    3. Bonus interest additional to the base rate is earned when deposits
       totalling a minimum of $100 and no withdrawals are made in the calendar
       month.
   
    4. Comparison rate calculated on an unsecured loan amount of $10,000 for a
       term of 3 years. WARNING: This comparison rate is true only for the
       example given and may not include all fees and charges. Different terms,
       fees and other loan amounts might result in a different comparison rate.
       Fees and charges apply. Terms and conditions available upon request.
   
    5. Standard underwriting criteria and policy terms and conditions apply.
       Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL
       227681 trading as CGU Insurance (CGU). In arranging this insurance,
       Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank
       First (Bank First), acts under its own AFSL and under an agreement with
       CGU, not as your agent. Bank First receives commission when selling CGU
       insurance products. Please refer to Bank First’s Financial Services Guide
       (FSG) for details of these commissions. 
   
    6. Bonus interest additional to the base rate applies when you make at least
       one deposit of a minimum of $1.00 and no withdrawals are made in the
       calendar month.
   
    7. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other
       countries. Google Pay is a trademark of Google LLC.
   
    8. Available for Owner Occupier loans and to applicants employed within the
       Education and/or Healthcare sectors. Excludes equity release with
       refinanced loans, off-the-plan and Construction Loans. Postcode lending
       restrictions may apply. Credit criteria applies.
   
    9. Interest rates apply to new lending only.
   
    

Bank First acknowledges the Traditional Custodians of the land on which we come
together and we pay our respects to their Elders past and present. We extend
that respect to Aboriginal and Torres Strait Islander peoples and other First
Nations people who are part of our community.


 * 1300 654 822
 * BSB 704-191

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 * 1300 654 822
 * BSB 704-191

 * © Copyright Victoria Teachers Limited
 * ABN 44 087 651 769
 * AFSL/Australian Credit Licence Number 240 960

The information provided on this website does not take into account your
objectives, financial situation or needs. Therefore, you should firstly consider
the appropriateness of this information and refer to the Terms and Conditions or
the relevant Product Disclosure Statement (PDS) before acquiring a product.
These documents are available at our branches or by contacting us on 1300 654
822.