Your money — last 90 days

Connected to Westpac via Adatree on 14 February. Updated daily. We're showing what we've found that's worth attention.

Fees paid · last 90 days

$182

▲ $30 vs your 12-month average

14 Feb15 Mar14 Apr14 May

4 fees charged when your product schedule allows max 2 in any 30-day window.

Your home loan rate vs market

+2.3 pp

Your effective rate 9.4% · market median for your product 7.1%

14 Feb15 Mar14 Apr14 May

Based on stated Westpac product reference data and CDR product reference for like products.

Estimated annual cost difference

$1,140

If your usage matched the average alternative product

14 Feb15 Mar14 Apr14 May

Stated assumption: 12 months at your current usage. Not a recommendation to switch — see your adviser for personal advice.

Fairness signals · 3 active

What we noticed

Each one is something you might want to act on. We can help you draft a complaint or hardship request.

High
4 fees charged when your product allows max 2 (last 30 days)

Westpac Smart Access fee schedule (May 2026) caps overdrawn fees at 2 per 30-day window. We counted 4 between 12 April and 11 May.

We can draft a fee-refund complaint
Medium
Your monthly surplus has dropped below $200 for 3 months

Average surplus over 90 days: $98/month after listed expense categories. If repayments are hard, Shield can help draft a hardship request.

You may qualify for hardship help
OK
No transactions you flagged as unrecognised in this window

You haven't flagged any transactions as unrecognised. If you spot one, you can flag it from the products list below.

Your products (from your CDR connection)

Home loan

Transaction account