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Everyday accounts We have a great range of accounts and services to meet your everyday personal banking needs. Access your money anywhere, anytime with our RAMS Action account or help pay off your mortgage sooner with the RAMS 100% mortgage offset account. RAMS Action Saving is great, but eventually you have to spend money. Our RAMS Action account lets you get access to your money anywhere, anytime with no fees for everyday transactions within Australia. Mortgage offset Our mortgage offset account is a non-interest earning account where the balance is offset against eligible RAMS home loans to reduce the total interest you have to pay. LOG IN TO myRAMS TO APPLY Talk to us to find out more Have us call you