澳大利亚证券投资委员会（ASIC）发布报告指出，八家澳洲银行在抵押贷款偏移账户的设置、监控和管理方面存在系统性缺陷，导致部分客户无法获得原承诺的储蓄收益1。这八家银行占据澳洲房贷市场超过70%的份额1。从2023年9月至2025年8月期间，这些银行已为偏移账户失败支付超过5500万澳元的赔偿1。
ASIC在审查2025年3月至8月间结算的204,000笔房贷后发现，最常见的两类失败是银行未开设客户请求的账户，或已开设的账户未能正确链接至抵押贷款1。鉴于澳洲55%的抵押贷款（约180万户）使用偏移账户1，且澳洲人在这类账户中持有的资金总额已升至2025年3月的3491亿澳元1，该问题影响范围广泛。ASIC建议消费者检查其偏移账户是否已正确设置并链接到抵押贷款，以确保获得预期的利息节省1。
Australia's financial regulator has uncovered widespread deficiencies in how major banks manage mortgage offset accounts, resulting in customers failing to receive promised savings benefits.12 The Australian Securities and Investments Commission (ASIC) reviewed eight banks accounting for over 70% of Australia's home loan market and found critical flaws in the setup, monitoring, and administration of these accounts.1 Between September 2023 and August 2025, the affected banks paid more than A$55 million in compensation to customers harmed by offset account failures.1
The problems identified were most commonly traced to two categories of failure: banks failing to establish requested accounts or accounts not being properly linked to mortgages.1 ASIC examined 204,000 mortgages settled between March and August 2025 to reach these conclusions.1 The significance of these findings is underscored by the scale of offset account usage in Australia, with approximately 55% of mortgages—representing roughly 1.8 million households—utilizing these accounts.1 As of March 2025, Australians held a combined A$349.1 billion in offset accounts, representing a 28% increase over the preceding two years.1
ASIC has advised consumers to verify that their offset accounts are correctly configured and linked to their mortgages to ensure they receive the interest savings they expect.1
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