What Is a Credit Card Cash Advance Fee?
One of the transactions you can make on your credit card is a cash advance. Taking out a credit card cash advance is like withdrawing cash from the ATM by using your debit card, only with a credit card cash advance you're borrowing cash from your credit limit, not drawing it from your checking account. When you take out an advance on your credit card, you have to repay the money just as you would with purchases you make on your credit card.
The Cash Advance Fee
Your credit card issuer isn’t really doing you any favors by letting you take out a cash advance, which can be done via ATM or through convenience checks your card issuer sends in the mail. They’ll make money off the transaction by charging a cash advance fee each time you take out a cash advance against your credit limit. That’s on top of interest charged as of the day you make the cash advance.
How Much Is a Credit Card Cash Advance Fee?
The exact amount of your cash advance fee depends on the amount of your advance and the method your credit card issuer uses to calculate the fee.
Most credit card issuers charge either a flat fee or a percentage of the cash advance amount, whichever is greater. For example, a typical cash advance fee is the greater of $10 or 5%. So, if you take out a cash advance of $100 under these terms, your cash advance fee would be $10, since 5% of $100 is only $5. On the other hand, if you take out a cash advance of $500, your cash advance fee would be $25.
With some credit cards, you can be charged a cash advance fee for cash-equivalent transactions, which are transactions that are treated like cash advances even though you haven't taken out cash from an ATM. For example, you'll also be charged a cash advance fee if you use your credit card as overdraft protection, purchase a money order, put money on a reloadable gift card, buy lottery tickets, or send money to another person. The fee for a cash-equivalent transaction may be different from the regular cash advance fee.
Your credit card issuer is required to disclose the method it uses to calculate your cash advance fee.
Refer to your credit card agreement or the back of your billing statement for more information on your cash advance fee.
If you have questions about your cash advance fee, contact your credit card's customer service department by calling the number on the back of your credit card. Know how the fee is calculated before you take out a cash advance, so you won't be caught off guard.
Can You Avoid a Cash Advance Fee?
The only way to avoid a cash advance fee is by avoiding cash advances and cash equivalent transactions on your credit card. If you can't avoid the transaction completely, you can minimize the cash advance fee you pay by reducing the amount of cash you withdraw on your credit card. Since interest starts accruing right away on a cash advance, paying your cash advance back quickly will lower the overall cost of the advance.
Frequently Asked Questions (FAQs)
Are there any credit cards that don't charge cash advance fees?
Not all credit card lenders charge cash advance fees so it can be helpful to do your research to find one that doesn't if you frequently find yourself having to get cash this way. You might have more luck with credit unions. LendingTree recommends Pentagon Federal Credit Union (PenFed) cards. You must normally qualify for a credit union, but PenFed is open to anyone.
What other fees can credit card companies charge in addition to cash advance fees and interest?
Most credit card lenders charge annual fees for the privilege of using their cards. You'll probably also have to pay extra fees if you go over your credit limit or make a late payment.
Q-Cash fee
Сегодня утром обнаружила снятие по кредитной карте двух комиссий под названием Q-Cash Fee в сумме 317,01 рублей и 304,80 рублей. За что взимаются комиссии и в привязке к какой операции? Ничего не указано в выписке, кроме того, что написано Q-Cash Fee. СМС информирования о снятии такой комиссии при проведении операций по карте не было! Если бы я знала о снятии комиссии, я бы не проводила операцию! Так как теперь на карте образовался отрицательный баланс, — 610 рублей!
Являюсь клиентом банка с 2013 года, ранее никогда с таким не сталкивалась!
Считаю данную комиссию скрытой, информирование о реальной стоимости операций, проводимых по карте неполным и введение меня как потребителя в заблуждение относительно условий услуг, оказываемых банком, в связи с чем, прошу:
1) вернуть начисленную комиссию в сумме 621,81 рублей;
2) указывать размер комиссии за проведение платежа при проведении платежей до их исполнения;
3) включить информацию о снятии комиссии в СМС-информирование.
Гульназ Муллахметова.
Комиссия Q-Cash Fee взималась в соответствии с тарифами, за операции пополнения электронных кошельков. В связи с тем, определить тип операции до момента ее совершения не представляется возможным, информирование о возможной комиссии до фактического исполнения операции, также не возможно.
Оспариваемая комиссия будет возвращена на Ваш счет в течение 3-х рабочих дней, однако мы рекомендуем учитывать данную особенность таких операций, при их осуществлении в дальнейшем.
С уважением,
Сергей Борисов
Отдел качества обслуживния
АО «Райффайзенбанк»
How to Avoid Cash Advance Fees and Save Money
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If you’re short on funds to pay for an important expense, you might consider getting a credit card cash advance to get the money you need. Many credit card companies allow you to take out a portion of your credit line in cash. But in most cases, you’ll have to pay cash advance fees and a high interest rate on any cash you acquire this way.
Just like you want to avoid overspending on bills, it’s best to avoid these fees if you want to save money. Learn how a cash advance works and what types of credit card transactions might be considered cash advances so you can avoid these expensive fees.
What is a cash advance?
A cash advance on a credit card is basically a short-term loan offered to you by your credit card company. The maximum loan amount is typically based on a percentage of your credit limit. For example, if your credit card has a $5,000 line of credit, your cash advance limit might be $1,000 (20% of your credit line). The exact percentage varies by card.
Cash advances often come with high fees and higher interest rates than your credit card’s normal annual percentage rate (APR).
You might consider using the cash advance function on your credit card if you need to quickly access cash rather than putting something on credit. For example, you might consider a cash advance in a financial emergency where credit isn’t accepted and there’s not enough in your emergency fund, savings account, or checking account.
You typically have several options to get a cash advance on your credit card:
- At the bank or credit union: Many banks and credit unions allow you to get a cash advance from your credit card if you visit a branch. You typically need a form of identification, such as a driver’s license, along with your credit card to get a cash advance in person. There might be a bank fee involved.
- At an ATM: Getting a cash advance from an ATM means swiping your credit card instead of your debit card. You likely need a personal identification number (PIN) set up on your credit card to get a cash advance from an ATM. You also might be restricted to ATM withdrawal daily limits.
- Online: If you have a credit card and bank account from the same bank, you might have the option to request a cash advance online and have the money deposited into your account.
- With a convenience check: If you have convenience checks from your credit card company, you should be able to use them for cash advances on your credit card.
Be aware that some of these options could incur more charges in addition to the fees already associated with a cash advance. Financial institutions may charge you for processing the transaction.
Cash advances don’t have a direct impact on your credit score. They do add to your card’s balance, so if you don’t pay them off right away, they could increase your credit utilization and lower your score.
It’s also important to know that some credit card purchases could also count as cash advances and be subject to cash advance fees. This could include sending money with a credit card through different payment apps like Venmo or even purchasing a lottery ticket.
What is a cash advance fee?
A cash advance fee is a fee that’s typically included with any cash advance transactions made on your credit card account. Whether you request a cash advance at a bank, an ATM, online, or with a convenience check, there’s often a fee attached to it. This fee is in addition to the higher APR associated with cash advances. To calculate the cost of a cash advance, you would need to consider both the cash advance fee and higher APR.
Let’s say your credit card has a variable APR of 15.99% to 22.99%. Interest starts accruing within this APR range (depending on your creditworthiness) if you carry a balance. When you make purchases with a credit card, you typically aren’t charged interest if you pay for those purchases in full by your credit card’s due date.
For credit card cash advances, you have a separate and higher APR for paying back the money you borrow that starts immediately. In this example, your cash advance APR might be something like 24.99%.There’s typically no grace period for cash advances like there is for purchases. Cash advances usually start accruing interest right away.
Cash advance fees are also typically charged immediately. It’s not uncommon for a cash advance fee to be the greater amount of a percentage of your total transaction or a flat fee. For example, you might see a cash advance fee of $10 or between 3% to 5% of the cash advance amount. To find your specific card’s fees, check the terms and conditions in your online account or on the card issuer’s website.
Cash advance fees for major issuers
If you compare credit cards, you’ll find different cards have different rules when it comes to cash advance fees. This could mean one card might charge higher fees than another. But this is typically only the case if two credit cards are from different card issuers.
For credit cards from the same card issuers, the cash advance fees are often the same across the board. And in general, cash advance fees from major credit card companies are identical or very similar. Here’s what you can expect from five of the most well-known credit card issuers:
| Credit card issuer | Example card | Cash advance fee |
| Capital One | Capital One VentureOne Rewards Credit Card | 3% of the amount of the cash advance, but not less than $3 |
| Chase | Chase Freedom Flex℠ | $10 or 5% of the amount of each advance, whichever is greater |
| Bank of America | Bank of America ® ️ Customized Cash Rewards Credit Card for Students | 3% to 5% (depending on method of cash advance) |
| Discover | Discover it ® Cash Back | $10 or 5%, whichever is greater |
| American Express | American Express ® Gold Card | $10 or 5%, whichever is greater |
How do you calculate a cash advance fee?
You would need to know the cash advance amount and how much your credit card issuer charges for cash advances on the specific credit card in question. For example, the Chase Sapphire Preferred ® Card charges the greater amount of $10 or 5% of the amount of each transaction, whichever is greater of any cash advance transaction. So a $500 cash advance would come with $25 of cash advance fees (5% of $500 is $25, which is higher than the $10 fee). The amount charged for cash advance fees can be found in your credit card’s terms and conditions.
How do I find the cash advance fee for my credit card?
If you check the terms and conditions of your credit card, you should be able to see how much the cash advance fee is. Credit card terms and conditions are typically available online on credit card information pages, as well as application pages on the card issuer website. The Consumer Financial Protection Bureau also maintains a credit card agreement database.
Alternatively, you could reach out to your credit card company by calling the customer service line or sending a secure message through your online account.
How do you avoid cash advance fees?
Here are a few options to avoid cash advance fees:
-
if the fees and interest rates are lower
- Borrowing money from a friend or family member that can send your paycheck early
- Payday loans, which aren’t typically recommended because of fees and high interest rates
- Peer-to-peer (P2P) loans if the fees and interest rates are lower than the cash advance
- Work on budgeting so you can build an emergency fund (even setting aside a small amount of cash each paycheck can help)
Bottom line
The best way to avoid cash advance fees is to not do a cash advance with a credit card. That’s simple enough, but avoiding cash advances completely gets tricky depending on how your card issuer codes certain purchases. You might find one credit card company will treat a specific purchase as a cash advance, which will charge cash advance fees, whereas another company won’t.
Fortunately, it’s become more common knowledge that certain purchases, such as person-to-person money transfers (like sending money with Venmo), with credit cards will often incur cash advance fees. For more information, check out our list of the best credit cards for Venmo.
Cash advances – the fees and interest rates you’ll pay
A cash advance is when you withdraw money from your credit card and it’s basically a convenient but expensive short-term cash loan.
Most credit cards give you a way to get a cash advance, whether it’s by withdrawing money from an ATM, transferring it to your bank account or buying gift cards and other «cash equivalents».
But these transactions are expensive, with a cash advance fee and interest rates that are typically higher than what you’ll pay for purchases. Cash advances also won’t be eligible for interest-free days or rewards.
What is a cash advance on a credit card?
A cash advance is typically considered as any transaction that involves withdrawing money or getting a cash equivalent. Every credit card provider has its own way of defining a cash advance and details are included in the card terms and conditions. But here, we’ve listed examples of transactions that are typically classified as cash advances.
The 5 most common cash advance transactions
1. ATM withdrawals and cash out
One of the most common examples of a cash advance is when you use your credit card to withdraw money from an ATM or get cash out in a shop. Additional fees can also apply if you use your credit card at an ATM that’s outside of your bank or provider’s network.
2. Gift cards and prepaid cards
Most credit card providers classify gift card purchases as a «cash equivalent» transaction that is subject to the cash advance fee and interest rate. Adding funds to a prepaid card also falls under this classification.
3. Transfers between accounts
If you transfer funds from your credit card to an account, your card issuer will view it as a cash advance (even if it’s a linked bank account). Some credit cards don’t offer this type of transfer. But even if yours does, you can avoid cash advance fees by using a transaction or savings account for the transfer instead.
4. Buying foreign currency
Using your credit card to buy foreign currency or traveller’s cheques also attract a cash advance fee and cash advance interest rate. If you’re travelling, you could consider credit cards with overseas travel features instead.
5. Gambling transactions
Credit cards have restrictions on gambling transactions. But if you’re able to use your card to buy lottery tickets, scratchies or for other gambling, it would typically be treated as a cash advance by most credit card providers. In some cases, you may even pay the cash advance rate when you use your credit card to pay for drinks and meals at a casino.
Other transactions that may be defined as cash advances on your credit card
- Bill and BPAY payments. Some credit card providers process bill payments as cash advance transactions. For example, BPAY payments, utility bills and government charges such as property rates or ATO bills. Check with your credit card provider and the business you’re paying to find out if your transaction will be considered a cash advance.
- Buying cryptocurrency. If you have a credit card that allows you to buy cryptocurrency it will be considered a cash advance transaction.
- Balance transfers. While balance transfers are not typically defined as cash advances, it’s worth noting that many credit cards apply the cash advance interest rate at the end of the introductory period if you’re still paying off the balance you transferred.
How much do cash advance transactions cost?
Cash advances typically attract a fee that’s worth 2-3.5% of the transaction, which is added to your credit card’s balance. That means you would pay between $2 and $3.50 for every $100 spent on a cash advance.
Interest charges also apply from the time of the transaction, as cash advances are not eligible for interest-free days. Most cash advance rates are higher than purchase rates and typically range from 19% p.a. to 22% p.a. But they can be as high as 25.99% p.a.
Credit card provider cash advance charges
To give you an idea of the potential costs, here are details for some of the cash advance fee and interest rates charged by major financial institutions. These rates may vary between cards, so make sure you check your individual credit card details for specific fees that will apply to you.
| Credit card issuer | Cash advance interest rate | Cash advance fee |
|---|---|---|
| American Express | Doesn’t typically offer cash advances | For enrolled cardholders only: $2.50 or 2% of the cash advance amount, whichever is greater |
| ANZ | 21.24% p.a. | 3% of the transaction amount in Australia |
This table gives you an idea of how expensive cash advances can be, with all the interest rates above 21% p.a.
The lowest cash advance fee is just $2.50, but generally you’ll pay up to 3.5% of the total transaction amount. It’s also worth keeping in mind that other fees could add to the cost, such as ATM fees and international transaction fees.
There are some credit cards that charge the same interest rate for purchases and cash advances, although the cash advance fee and any ATM fees will still apply.
Where to find the fees and charges for your credit card
When you’re looking at a new card, you’ll find details about cash advances in the rates and fees information as well as the Key Facts Summary or sheet that’s provided by banks and other lenders.
If you already have a credit card, you can usually find these details by logging into your account or checking the product disclosure statement. Your monthly credit card statement will also show the current cash advance interest rate but won’t usually show the cash advance fee unless it’s been charged.
If you’re unsure or can’t find details about cash advances, contact your credit card provider to confirm what rates and fees apply.
How to calculate cash advance charges
-
- Divide the cash advance interest rate by 365 (the number of days in a year)
- Multiply this value by the amount withdrawn
- Multiply that value by the number of days from the time of the transaction to the date it is paid (since cash advances start to accrue interest immediately)
If your card charges a cash advance fee, you should add this to get the total cost of your cash advance.
As an example, say you withdrew $500 from an ATM with a card that has a cash advance rate of 21.99% p.a. and no ATM fees. Let’s also say you are charged a 3% cash advance fee of $15. Here are the calculations:
-
-
- 21.99 percent / 365 days = 0.06024
- 0.06024 x $500 = $30.12
- $30.12 x 18 days = $542.16
- $542.16 /100 percent = $5.42
- $5.42 + $15 = $20.42
This means it would cost you $20.42 to borrow $500 for 18 days. You could also use a credit card repayment calculator to quickly work out cash advance interest rate costs.
Why do banks charge more for credit card cash advances?
Cash advances are similar to short-term loans in that they provide you with funds on short notice. The cash you get can be used for anything you want, including transactions you wouldn’t normally be able to use a credit card for (such as paying other debts).
This means cash advance transactions are considered a greater risk to lenders than everyday credit card purchases. So, a cash advance fee and higher standard interest rate can help lenders offset this risk by providing them with more potential profits when you use your card for a cash advance.
The rates and fees applied also discourage people from regularly using a credit card for cash advance transactions. In turn, this reduces the potential risk for lenders.
What to think about before making a cash advance
Cash advances aren’t the same as purchases. As well as the fees and interest costs, here are some other key details to keep in mind:
-
-
- Cash advance limits. Most credit cards have daily, weekly or monthly cash advance limits in place. For example, you may only be able to withdraw up to $500 a day. Or, you may only be able to access a percentage of your available credit limit for cash advances.
- Repayments. Your credit card provider has to apply your repayments toward the part of your balance that attracts the highest interest first. Since cash advances tend to have higher interest rates than purchases, your repayments will usually go towards reducing your cash advance balance first.
- No interest-free days. Most credit cards give cardholders the ability to make use of interest-free days if they pay their closing balances in full each month. These interest-free days only apply to purchases. When you use your card for a cash advance, it starts attracting interest straight away.
- Rewards. Cash advance transactions are not considered «eligible» when it comes to earning rewards points or meeting a bonus point spend requirement.
- Introductory 0% p.a. interest rate offers. Most 0% interest offers apply to standard purchases or balance transfers, so cash advance transactions are generally not eligible for the promotional rate of interest.
Alternatives to cash advances
If you want to avoid the extra fees and high interest rates that come with using your credit card for a cash advance, you can consider the following options:
-
-
- Debit cards. Using your debit card to withdraw money from your bank account won’t attract cash advance fees. In fact, it’s likely to be fee-free if you stick to your own bank’s ATM network.
- Direct bank transfers. If you need to make a payment straight away, you could consider a direct transfer from your bank account. This allows you to pay anyone using your own money instead of funds from your credit card, which means you won’t be charged interest or a cash advance fee.
- Loans. If you need extra funds, you may also want to consider getting a payday loan or a personal loan to cover the costs. These options could have lower interest rates than credit card cash advances. Plus, some short-term loan issuers can give you access to approved funds on the same day or by the next business day.
Tip to avoid cash advance transactions
If you’re worried about accidentally using your credit card for a cash advance or want to avoid the temptation, some credit cards give you a way to put a block on cash advances.
For example, both NAB and CommBank let you set up controls for cash advances and gambling transactions through their mobile apps. Just log into your account or contact your credit card provider to see if this is an option on your card.
While credit card cash advances can give you quick access to cash, the costs involved usually outweigh the benefits. Make sure you understand what is considered a cash advance and the interest rates and fees that apply to weigh up whether it’s worth it. And if you still think you may use your credit card for a cash advance, you may want to compare credit cards with low cash advance rates to see if there is an option that will work for you.
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Frequently asked questions about cash advances
If I have a cash advance debt on my credit card, can I transfer the balance to a new card?
Yes, you can transfer this debt to a balance transfer credit card and take advantage of an introductory interest rate, providing you meet the card’s eligibility requirements and are approved by the issuer. Just be aware that you’ll still need to pay off the balance – ideally during the introductory period so you can reduce or avoid more interest charges.
What do I do once I’ve made a cash advance?
What you can do is to repay your cash advance as soon as you can afford it. People who only need a cash advance for a few days until payday should jump to their online credit card account and pay their cash advance as soon as they receive their pay.
If I use my credit card to withdraw cash from an ATM, would I have to pay ATM fees as well?
You usually won’t have to pay ATM fees if you use an ATM that belongs to your financial institution or a partnered ATM network. But if your credit card charges ATM fees or you use a third-party ATM, this will be an extra cost when you use your credit card for an ATM cash advance.
Does using my credit card at a newsagency count as a cash advance?
While newspapers and stationery would be everyday purchases, most credit card providers would classify buying lottery tickets or scratchies as cash advances on your credit card. This is because lotto and other forms of gambling give you a cash equivalent, rather than a tangible item like a newspaper.
And if you tried to buy your lotto ticket with a credit card that doesn’t allow gambling – and the merchant has correctly classified your purchases as a gambling transaction – the transaction would be declined.
Sources
Amy Bradney-George
Amy Bradney-George is the senior writer for credit cards at Finder, and acting editor for Finder X and Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
More guides on Finder
Manage your repayments and take advantage of low or 0% balance transfer offers with a credit card that offers instalment plans.
If you need cash quickly there are some credit cards that offer low interest rates on cash advances. Compare your options here and learn about the costs.
Use this guide to compare the high interest rates and fees that can apply to credit card cash advances.
A cash advance gives you a quick but expensive way to withdraw money from your credit card – here’s what you need to know.
Most credit cards offer interest-free days on purchases – here’s how they actually work.
Ask an Expert
26 Responses
Hello,
I was looking at a cash advance and realise the interest is higher but my question is say I owe $1000 on my credit card and get $100 cash advance do I pay the higher interest rate on the $100 until it’s paid in full or do I now pay the higher interest rate on the $1100 until it’s paid in full?Thank you for your inquiry.
Typically, regardless of the amount, the interest for cash advances is normally 20% p.a. or more, which is considerably higher than the purchase rate of around 13% p.a. that some low rate credit cards charge. With this in mind, credit cards typically charge higher interest rates. So, in your example, your cash advance will immediately be charged with the cash advance interest rate and unless you don’t pay in full your cash advance, you will continually incur interest, which can be very expensive.
With this in mind, you might want to try and apply for a personal loan, instead, which might offer a lower interest rate.
I hope this information has helped.
Took a cash advance of $200, charged $5; Paid amount due for the month on time and next statement have additional interest charge of $1. Why when I paid it off and how long will this continue?
Thank you for your question.
Your card will continue to charge interest each time you’re not able to pay your balance in full at the end of the payment cycle. So in the next statement you receive, you’ll be able to see your remaining balance in the previous statement plus interest.
However, if you have paid your account balance in full like you did for your cash advance, in your next statement, you will not be able to see any unpaid fees and interest. Unless if there are any due interest or fees that have not been accounted for in the previous statement/cut-off, these charges will most likely appear on your next statement.
I was wondering with my credit card which has interest free period of 55 days on purchases whether a cash advance would affect my interest free rate on purchases?
For example, if I take a cash advance of $500 on 1st of June, if I then used my card for purchases on 4th June would I still have the interest free rate on purchases?
Thanks in advance.
Thanks for your question.
Interest-free days provide you with a period of purchasing with no interest charges. The requirement for receiving this benefit is to repay your balance in full by the payment due date. An example of that is the 55 interest-free days on purchases, excluding cash advances. So your cash advances will not affect your 55 interest-free days.
However, please keep in mind that if you use your card on any form of cash advance, your card will immediately charge you with interest and cash advance fees – which of course, you need to pay off as well on your due date.
I hope this has answered your question.
I would like to take a cash advance on my credit card which charges 21.49% PA for CA. I intend to have this paid back in 20 days.
Is the calculation I am using correct?
21.49 / 360 X 20 = 1.20%
Total amount to repay being $1518 excluding other fees?
Hi Mark, thanks for your inquiry!
Nice work trying to work your interest repayment out, there are only a couple of figures that need replacing in your equation.
0.2149 / 365 x 20 = 0.01177534246
= 1.18% (2 decimal places)
You can multiply that percentage by your amount outstanding and number of days for the total amount of interest.Hi there,
I am new to the credit card game. I am going overseas in the next few weeks and intend to use my credit card for purchases and for cash. I have a 21.49% cash advance rate – does this mean with every cash withdrawal I make I am charged 21.49% on top of what I withdrawal? For example I take out $200 will I then owe $42.98(21.49/100 x 200) on top of the $200 amount?I have a debit card – should I transfer money from my credit account into my debit to make withdrawals or does this still come with a fee?
Thank you in advance 🙂
Thanks for your inquiry.
The cash advance rate of 21.49% p.a. is calculated on a daily basis, multiplied by the cash advance amount outstanding by the number of days that the debt is remaining.
Please refer to the following guide for more information on cash advance interest rates.
Withdrawal fees for credit cards depend on the bank. Generally, cash withdrawals from the bank’s ATM or partner ATM will not incur any fees. You may also like to refer to low-interest rate credit cards which can provide the flexibility and convenience to spend and make purchases on your card whilst taking advantage of lowest interest repayments. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
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Disclaimer — Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate Authorised Representative (432664) of Centra Wealth Pty Ltd AFSL 422704. Please refer to our FSG — Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Ltd trading as «Austbrokers Countrywide» ABN 51 586 953 292 AFSL No. 511363 for the provision of general insurance products. Please refer to our FSG — General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) or the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2022.
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Important information about this website
finder.com.au is one of Australia’s leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don’t cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn’t a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you’re unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Products marked as ‘Promoted’ or ‘Advertisement’ are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder’s decision to show a ‘promoted’ product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays ‘Go to site’ buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider’s terms and conditions as well as their application and lending criteria.
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