Released 29 July 2026.
We reviewed eight banks to understand whether mortgage offset accounts were delivering the intended financial benefits to customers.
This report outlines the key findings of our review and is relevant for all banks.
ASIC portals
I am a
I am a Business name holder
Information and steps on how to register a business name
Register a business nameTo renew a business name, you will need your account number or ABN handy.
Renewing your business nameThe ASIC Connect portal will allow you to:
- manage an existing business name
- update your business name details
The ASIC Connect portal will allow you to:
- manage an existing business name
- update your business name details
Within online services for business name holders, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- access user guides
- read FAQs.
I am a Company officeholder
Information and steps on how to register a new business
Register a companyManage your company details via the company officeholder portal:
- Update your company details
- Voluntarily deregister your company in the Company officeholder portal.
Download your company annual review statement from ASIC, which includes your annual invoice and payment details.
Lodge regulatory statements, documents and transactions in the Regulatory portal.
Within online services for company officeholders, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- access user guides.
I am a Registered agent and authorised lodger
Update your client details via the Registered agent portal.
Information about how you can update and/or cancel your registered agent registration.
Within online services for registered agents and authorised lodgers, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- access user guides
- read FAQs.
I am an AFS Licensee and AFS representative
Information and steps on how to apply for an Australian financial services (AFS) licence.
Applying for and managing an AFS licenceUpdate your AFS licence details and lodge financial document via the Regulatory portal.
Changing your licence details through the Regulatory PortalLog in to ASIC Connect to appoint and update AFS representative's details.
Lodge regulatory documents and transaction in the ASIC Regulatory Portal
You can register a managed investment scheme using the eLicensing system (not the ASIC regulatory portal).
Log in to the eLicensing systemYou can lodge FS88 PDS in-use notice using the eLicensing system (not the ASIC regulatory portal).
Log in to the eLicensing systemWithin online services for business name holders, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- access user guides.
I am a Credit licensee and credit representative
Information and steps on how to apply for a credit licence.
Apply for a credit licenceUpdate your credit licence details and appoint credit representations via the Credit Licensee portal
Lodge regulatory documents and transactions in the ASIC Regulatory portal.
Within online services for credit licensees and credit representatives, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- read FAQs.
I am an Auditor
Information and steps on how to apply for auditor or authorised audit company registration.
Applying for an auditor registrationUpdate your auditors details and submit annual statements via the Auditors portal.
Lodge regulatory documents and transactions in the ASIC Regulatory portal.
- log in or sign up to ASIC's portals
- Within online services for auditors, you can learn about ASIC's online services and processes.
I am a SMSF auditor
Apply and maintain your SMSF auditor registration via the Regulatory portal.
Within online services for SMSF auditors, you can:
- log in or sign up to ASIC's portals
- learn about ASIC's online services and processes
- access user guides
- read FAQs.
I am a Liquidator
Update your liquidator details and lodge external administration documents via the liquidator portal.
Lodge regulatory documents and transactions in the ASIC Regulatory portal.
- log in or sign up to ASIC's portals
- Within online services for liquidators, you can learn about ASIC's online services and processes.
REP 837 Offsets, out of mind: Banks fall short on mortgage offset account promises
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