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St Vincents

St Vincent's Partner Offers

At Bank First, we care for those who care for community.

Enter to win our exclusive prize pack, valued at over $200!

Our partnership

Bank First is proud to partner with St Vincent's. We’re the bank for nurses and allied health professionals – the people who care. Being entirely customer owned, our focus is on tailoring our products and services to meet your needs.

St Vincent's Product offers

Under 35? Kick start your savings
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Online Saver Promotion

5.00%p.a
Interest rate ($0 - $49,999)12-24
3.80%p.a
Interest rate ($50,000 and over)
  • No complicated bonus interest rules
  • Interest calculated daily paid to your account monthly
  • Receive a transactional account with $0 monthly account fees

Use promo code BFOSHEALTH
at the time of application.

Make your savings work harder
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Online Saver Intro Offer

5.00%p.a
Interest rate ($2,000 and over)3-10
1.25%p.a
Interest rate ($0 - $1,999)3-10
  • Introductory rate for 4 months³⁻¹⁰
  • Interest calculated daily paid to your account monthly
  • Receive a transaction account with $0 monthly account fees

Use promo code BFOSINTRO
at the time of application.

Home loans to suit you
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Home Loan discounts

Whether it's your first purchase, a lifechanging move or a long-term investment, we have a range of home loans to suit your needs.
  • 0.15% p.a. discount off our variable interest rates on our Basic and Complete Home Loan¹
  • 0.10% p.a. discount off our Complete fixed rates¹
  • Get into your home sooner with the First Home Guarantee Scheme or Lenders Mortgage Insurance waiver for Partners²

Use promo code STVINCENTS
at the time of application.

Flexible car loans
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Car Loan offers

Whether it’s an upgrade or something you’ve been longing for a while, our car loans are designed to suit your journey.
  • No monthly fees
  • Competitive rates
  • Flexible repayments
  • $0 loan establishment fee¹¹

Use promo code STVINCENTS at the time of application.

Insights and news

Let's talk money habits
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Let’s talk about the two habits that form the foundation for getting on top of your money.
Put your money on Autopilot
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Learn how putting your money on Autopilot can help you build better money habits with less effort.
Active saving for a backup plan
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You can't predict the future, but you can plan for it. Why a rainy-day fund should be your first active savings goal.
Mindful spending with Autopilot
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Create a mindful spending plan and use your Autopilot to easily keep on track.
Backing the next generation of St Vincent’s nurses
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Whether it's juggling other commitments whilst studying or looking ahead to specialisation, scholarships like ours open doors for nurses and allied health professionals.
Scholarships alleviate unpaid placement stress
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At Bank First, we understand the burden of unpaid placements, especially for those in remote areas. 

A year of impact with Pinchapoo
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We stand not only by our partners in healthcare but also by the communities they serve. 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.

Enter the draw!

Enter to win our exclusive prize pack for St Vincent’s staff, valued at over $200!

Smash your fitness goals with a Macro Mike Starter Pack and treat yourself with $50 Mecca and Event Cinema gift cards. 

  • Bank First ‘Prize Draw’ Competition – Competition Terms and Conditions 

    1. Promoter: 

    1.1 The promoter of the competition is Victoria Teachers Limited trading as Bank First of 117 Camberwell Road, Hawthorn East, Victoria, Australia, ABN 44 087 651 769. 

    2. Eligibility: 

    2.1 The Bank First ‘Prize Draw’ Competition (“Competition”) is open to eligible Australian residents who have completed the ‘Prize Draw’ entry form by providing the full information requested in the form. 

    2.2 Entry is open to Australian residents who are 18 years of age or older and attendees of the St Vincent's Staff Benefits September Showcase events, on September 10th, 11th, 17th and 18th 2024. 

    2.3 Members who are currently employed at Bank First are not eligible to participate. 

    3. Competition Period:

    3.1 The Competition begins at 12.00pm Tuesday 10th September and closes at 12.00am Wednesday 18th September.  

    4. How to Enter: 
     
    4.1 Eligible entrants can access the ‘Prize Draw’ Competition via https://www.bankfirst.com.au/partners/st-vincents. Entrants will be prompted to complete a ‘Prize Draw’ entry form. To be eligible for the prize draw, entrants must complete all mandatory details on the entry form. If you do not provide the information requested, you may not be eligible. 

    5. Prizes: 

    5.1 The prize draw will take place on Thursday 19th September, by Bank First selecting one entry randomly.  

    5.2 The winner of the prize draw will be notified by email. 

    5.3 The prize will be determined by Bank First in its absolute unfettered discretion and will not exceed $200.00 in value.  

    5.4 If the determined prize is a physical item, Bank First will arrange to deliver the prize to the winner in a manner to be notified to the winner. 

    6. Prize Conditions:

    6.1 The prizes are non-transferable and may not be varied or exchanged for cash or any other products or services. 
     
    6.2 All taxes on prizes, if any, are the sole responsibility of the prize winners. 
     
    6.3 If Bank First is unable to contact the winner, the prize will be forfeited and Bank First may in its sole discretion reissue the prize to another participant. 
     
    6.4 All prize award determinations by Bank First  are final and Bank First is under no obligation to engage in any form of negotiation with participant or their representative relating to the prize award. 

    7. Publicity: 
     
    7.1  By participating in the Competition, participants agree to the use of their names and photographs for promotional purposes without additional compensation, except where prohibited by law. 

    8. Privacy: 
     
    8.1 Bank First is committed to protecting the privacy of participants. 
     
    8.2 Personal information collected during the Competition will be used for the purpose of administering the Competition and in accordance with Bank First's privacy policy (available at available at www.bankfirst.com.au/privacy-policy or by calling 1300 654 822). 
     
    8.3 With your consent, Bank First may use your personal information to provide you with marketing content or information about its products and services.

    8.4 By participating in the Competition, participants consent to the use of their personal information as described herein.

    9. Bank First’s Discretion: 
     
    9.1 Bank First reserves the right to verify the validity of any entries and in its sole and unfettered discretion, disqualify any or all entries from, and prohibit further participation in this Competition, any person who do not comply with the terms and conditions. 
     
    9.2 Bank First reserves the right to modify these terms or terminate the Competition at any time without prior notice.

    10. Conduct of Competition  

    10.1 Unforeseen Events. If for any reason any aspect of this Competition is not capable of running as planned for any reason beyond the reasonable control of Bank First, including, but not limited to, by reason of war, terrorism, state of emergency or disaster (including natural disaster), infection by computer virus, telephone network failure, bugs, tampering, unauthorised intervention, fraud, technical failures or anything which corrupts or affects the administration, security, fairness, integrity or proper conduct of this Competition, Bank First may, in its sole discretion, cancel, terminate, modify or suspend the Competition, invalidate any affected entries.  

    10.2 Amendment of Competition. Without limiting any other term, Bank First may at its sole discretion amend any aspect of this Competition or of these Terms of Entry from time to time, subject to applicable laws. 

    10.3 Bank First and its associated agencies and companies make no warranties or representations about the fitness for purpose or suitability of any Prize and will not accept responsibility for the quality or fitness for any purpose of any Prize, or the failure of any Prize to be of merchantable quality. If liability under terms implied by legislation cannot be excluded, the liability of Bank First and its associated agencies and companies is limited to re-supplying the relevant goods or services or paying the cost of replacing them. 

    11. To the maximum extent permitted by law, Bank First is not liable for any loss suffered or sustained by any participant or any other person including, but not limited to, consequential (including economic) loss by reason of any act or omissions, deliberate or negligent, by Bank First or its employees, contractors or agents in connection with this Competition. 

    12. Bank First has no control over communications networks or services, the Internet, or computer or telephone networks or lines and accepts no responsibility for any problems associated with them, whether due to traffic congestion, technical malfunction or otherwise. 

    13. These terms and conditions are governed by the laws of Victoria, Australia, and any disputes arising in connection with the Competition shall be subject to the exclusive jurisdiction of the courts in Victoria, Australia. 

We're here to help

Need assistance? The Bank First Community team can help with any queries.

  • Home Loan Discounts

    Promotional interest rates are per annum, effective 5 September 2024 and are subject to change without notice.

    Conditions, Fees and Charges and Credit Criteria apply.
    Offer is available via Bank First’s direct channel only. Not available in conjunction with any other offer. Bank First reserves the right to amend or withdraw this offer at any time.

    1. Partner Offer discounted home loan interest rate is available to any new or existing Owner Occupied Principal and Interest loans, Investment Principal and Interest; or Investment Interest Only loans. You must contact Bank First for the offer to be applied to your home loan. Applicant eligibility must be demonstrated via payslips and if there are multiple applicants to the loan, only one applicant needs to be employed by a Bank First partner. Available to full-time, part-time, contracting or casual employees. Applicants salary must be credited into a Bank First transaction account.

    Discount is available for the life of the loan unless variations are made to the loan. Variations include product switches, repayment type changes (eg. interest only to principal and interest), interest rate type changes (eg. variable interest rate to fixed interest rate). If a variation occurs, the member must advise Bank First to re-apply the discount and at this point the member must still be employed by a Bank First partner to be eligible.

    To qualify for these offers you must be an employee of a Bank First Partner and the promotional code STVINCENTS must be quoted at time of customer application.

    2. Lenders Mortgage Insurance waived for a loan-to-value ratio up to 90%. 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.

    Online Saver Intro Offer

    3. To qualify for these offers the promotional code BFOSINTRO must be quoted at the time of application when opening a new Online Saver account.

    4. You do not have an existing Online Saver with Bank First in the last 12 months.

    5. Promotional rate available 1 February 2024 to 31 January 2025.

    6. At the end of the 4 months introductory period, the standard Online Saver interest rate will apply.

    7. The introductory rate of 5% for balances above $2000 is made up of standard Online Saver rates plus a bonus additional interest. Interest is applicable to whole balance and is calculated daily. Interest rates are per annum, current at the time of publication and standard rates are subject to change without notice.

    8. Other fees and charges may apply. For a full list of fees and charges, please refer to Terms and Conditions: Part B Fees and Charges.

    9. We reserve the right to amend or withdraw this campaign at any time. Please note this will not impact existing account holders for this promotional Online Saver.

    10. Additional interest will be applied for four months from the date the account is opened.

    Car Loan Offers

    Interest Rates effective 5 September 2024.
    Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.

    11. To qualify for these offers you must be an employee of a Bank First Partner and the promotional code STVINCENTS must be quoted at time of customer application.

    Online Saver Promotion

    12. To qualify for this promotional offer the code BFOSHEALTH must be quoted at the time of application.

    13. Applicable to customers under 35 years at the time of submitting application.

    14. Upon turning 35, the account will revert to the standard Online Saver account with standard interest rate applicable. Please see our website for more information on the standard Online Saver and standard interest rates applicable.

    15. Promotional rate available from 1 August 2024 until 31 December 2024.

    16. The promotional rate of 5% p.a. is applicable for balances under $50,000. For balances equal to and over $50,000, the standard rate Online Saver rate applies. Interest is calculated on the portion of the balance which falls within each tier at the applicable rate. Interest rates are per annum, current at the time of publication and are subject to change without notice.

    17. The introductory rate of 5% for balances above $2,000 is made up of standard Online Saver rates plus a bonus additional interest. Interest is applicable to whole balance and is calculated daily. Interest rates are per annum, current at the time of publication and standard rates are subject to change without notice.

    18. Standard Online Saver rates are available on our website. To view the standard interest rates.

    19. Interest is calculated daily and paid monthly at the end of the month into your Online Saver account.

    20. Maximum of two Online Saver accounts per customer.

    21. No monthly account keeping fees.

    22. Other fees and charges may apply. For a full list of fees and charges, please refer to Terms and Conditions: Part B Fees and Charges.

    23. Please review our Financial Services Guide (FSG) and Target Market Determination (TMD) to decide whether this product is right for you.

    24. This Online Saver account offer is not available for Bank First staff. For the avoidance of doubt, Members/employees of Bank First who are involved in setting up this promotion are not eligible to open this account.