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Set up your salary to be deposited directly into your offset account.
If you’re saving for something such as an overseas holiday or a new car, keep this money working for you until the day you need it by saving it in your offset account.
Use a credit card for everyday purchases and make the most of the interest free period. Just make sure you pay the balance off in full each month to avoid fees and charges.
Consider if a savings account is still right for you. Usually, the interest you save through your offset account will be worth more than the interest you earn on a savings account and you may also save on taxation by not actually earning any interest. Plus, your money won’t be locked away for a fixed term.