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.[1][2] 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]
