You've told us you want fairer banking, so we listened and made a public commitment - more give, less take. We've abolished or reduced a range of fees across transaction and savings accounts, credit cards and home loans. We've joined forces with rediATM to create one of Australia's largest ATM networks with over 3,400 ATMS you can use without paying a direct charge. It's been 3 years since any of the major banks had a lower standard variable home loan interest rate than us. Our employees have spent thousands of days volunteering in the community. This give and take is about making banking the way it should be.