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Nestled in the heart of New South Wales, Bega is a hidden gem that offers a delightful blend of natural beauty, cultural richness, and rural charm. When you think of Bega, you likely think of cheese! But did you know that Bega has much more to offer than just dairy products? Whether you're a nature enthusiast, history buff, or food lover, this town has something special for everyone. Join us as we explore the top 8 things to do in Bega, inviting you to experience the fun of this Sapphire Coast hub city. Visit the Bega Cheese Heritage Centre: Your trip to Bega wouldn't be complete without a visit to the Bega Cheese Heritage Centre. Discover the fascinating history of this iconic Australian brand, learn about the cheese-making process, and, of course, sample some of their delectable cheeses. Explore the Bega River: Stroll along the banks of the tranquil Bega River, a perfect spot for a leisurely walk or a relaxing picnic. The lush greenery and serene atmosphere make it an ideal place to unwind and connect with nature. At Glebe Park, there are picnic tables under the shade of trees for anyone to use. Biamanga National Park: Just a short drive from Bega, the Biamanga National Park offers a glimpse into the rich indigenous culture of the area. Explore ancient rock art, walk scenic trails, and immerse yourself in the natural beauty of this park. Take a Cheese Tasting Tour: Dive deeper into Bega's cheese culture by booking a cheese tasting tour. You'll have the chance to savor an array of cheese varieties, each with its own unique flavor profile. Bega Pioneers' Museum: History buffs will appreciate a visit to the Bega Pioneers' Museum, which showcases the heritage of the region. You can learn about early settlers, indigenous history, and the development of the town over the years. Tathra Beach: If you're a beach lover, a short 15 minute drive to Tathra Beach is a must. Enjoy swimming, surfing, or simply lazing on the sandy shores of this picturesque coastal destination. Bega Lookout: Head to the Bega Lookout for panoramic views of the town and surrounding countryside. It's a great spot for taking panoramic photos and appreciating the Valley's beauty. Sapphire Coast Wineries and Microbreweries: Bega is situated in the heart of the Sapphire Coast wine region. Explore local wineries and savor award-winning wines amid scenic vineyards. Award-winning micro-distillery North of Eden is nestled deep in the emerald hills just north of Bega and on the weekends you can BYO picnic and indulge in a tasting! Sip your delicious drop on the lawns whilst taking in the glorious vista of Mumbulla Mountain under the ever changing big skies of the Sapphire Coast hinterland.  Bega is a captivating destination that offers a blend of history, natural beauty, and culinary delights. Whether you're interested in learning about cheese-making traditions, exploring the great outdoors, or immersing yourself in local culture, Bega has something to offer every traveller. So, pack your bags and embark on a journey to discover the charming town of Bega, where unforgettable experiences await around every corner.     *Images on this web page have been supplied by Robert Hayson The content in this article has been prepared by Horizon Bank for general information only and it is not intended to be professional advice. It does not take into account your objectives, financial situation or needs. You should seek your own legal, accounting, financial or other professional advice where appropriate, and consider the relevant General Terms and Conditions before deciding whether to acquire any products or services offered by Horizon Bank and/or its affiliated partners. We do not recommend any third party products or services referred to in this article unless otherwise stated and we are not liable in relation to them. Any links to third party websites are for your information and we do not endorse any content on those sites. Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank.

Benefits of Loan Pre-Approval   Making big purchases, like a new car or home is exciting! It also requires thinking about your situation and choices carefully. You may also need to act quickly when necessary, which can be tricky. A fast loan pre-approval is a helpful tool that can make this process easier. It increases your chances of buying what you want before someone else does and takes some of the stress out of these monumental decisions!   What's Conditional Pre-Approval? Conditional pre-approval is like a signal from a lender. It tells you that you can ask for a loan up to a certain amount. But you don't have to take the loan, and the lender doesn't have to give you that much money. However, it tells a seller that you're serious about buying and that you're sure you can pay for what you want. To figure out how much you can borrow, the lender looks at your financial situation and the price range of whatever it is you want to buy.   Why Consider Pre-Approved Loans? Conditional pre-approval not only shows sellers that you're serious about buying, but it also helps you with your finances and budgeting once you find what you want. If you're just starting to think about buying a home for example, getting a swift pre-approval helps you look for homes that you can more likely afford. It gives you an idea of how much money the lender might lend you. If something changes while you're looking – like your money situation – you can update your pre-approval.   How to access Fast Loan Pre-Approval from Horizon Bank? You can apply for a loan online, pop into your local Horizon branch, or give us a call and talk to a lender. Here's what you should know: The price range of what you want to buy If you've saved money for part of the purchase How much you earn How much you spend on living expenses   How Long Does Loan Pre-Approval Last? When pre-approved for a loan, the pre-approval generally will last for two months. Need longer? No stress! We just need to revisit your documents to give you more time. Speak to your lender to learn more about the duration of your individual pre-approval.   Time to Buy, What Happens Next? Once you find what you want to buy you just provide the details to the lender and seek formal approval. This significantly reduces turnaround time in order for you to make your purchase quickly.   With 10 branches located in Thirroul, Wollongong, Albion Park, Berry, Nowra, Ulladulla, Moruya, Bega, Bermagui and Merimbula, we have got the NSW South Coast covered. Not a local? Not a worry! Reach out to us by filling in an online application form and we’ll assist you over the phone and email.

With a growing number of networks and sellers, finding comprehensive mobile phone deals is becoming much easier without paying a hefty monthly fee. If you’re coming to the end of a contract or want to get a better-prepaid deal, here are a few ways to reduce the price.   Think about what you need Modern mobile phones come with many bells and whistles, which come at a premium. Often the cost of the device and its internal capability is rolled into the plan, meaning you’re paying for features you don’t need or use. Before speaking to retailers, think about how you use your phone. Often, that will dictate things like the camera quality, data capacity and model of phone you need. If your usage and needs are more limited, you may save significantly by choosing an older device model. If you have a device you are happy to continue using, it may be worth considering a SIM-only plan.    Research the best price for the model you want Once you’ve identified what you need, check the price different retailers and network providers charge for that model. You may need to survey friends and call a few different stores to ask about the specifics, then keep a log of the lowest prices offered.  It could also be worth waiting a few weeks to a month to see if any specials emerge through the phone networks you’ve got an eye on.   Be prepared to haggle and use comparison websites When you’re armed with the information about how much the model you want typically retails for, speak to a few providers about what they can offer. Some networks give discounts to students, retirees and long-term customers, as well as trying to entice new customers with sign-up deals. It never hurts to ask. Comparison sites such as Canstar, can also provide insight into the different options available.   Consider a second-hand or "hand me down" device As with many things, second-hand phones tend to retail at a significant discount. Hit up your friends and family to see if anyone has upgraded recently and is looking to offload an unlocked device. Some major retailers offer second-hand phones for sale – again, at heavily reduced prices.   Weigh up the cost of long-term plans At a headline level, longer-term plans often appear cheaper. For example, if you’re offered $50 a month for two years or $35 a month for three, the latter sounds more enticing. However, it’s worth considering whether there are any hidden costs or downsides, such as the inability to get a new device if yours is lost, damaged or stolen. Be sure to ask about additional fees, such as activation fees, administrative charges, or roaming fees when you travel, before signing up for a plan. It’s important to read the fine print – including the costs to pay out the plan if necessary. If something unexpected happens – like losing your job – you don’t get a big surprise if you need to end your contract early. A pre-paid SIM can also be something to look into if you want to pay upfront.   In conclusion, getting a better phone deal involves careful consideration of your needs, thorough research, negotiation skills, exploring second-hand options, and understanding long-term plan costs. By following these tips, you can find a phone deal that offers great value and meets your requirements without putting a strain on your finances. Ready to start hunting for the best phone deals? Remember these tips as you explore your options and make an informed decision. Your perfect phone and plan await you, so get started today and enjoy the savings! Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong.

When you head to Moruya, you can’t beat a leisurely boat ride down the river on a nice day. Make your way to the Moruya boat shed to hire a tinny or to take a scenic river cruise. Moruya’s main street is filled with shops, there’s something for everyone! We love the coffee at Alfresco Coffee Roasters to get you started for the day. You can browse for homewares in Firefly, or go dress shopping in Eve’s Place Fashions. If you’re feeling hungry, treat the family to some good old fashioned fish and chips by visiting Swan’s Takeaway. Or you can grab a bite to eat at one of the popular pizzerias - The Black Olive Pizza or Church Street Pizzeria are highly rated by visitors. Church Street Pizzeria Steph's Fabrics Moruya Golf Club Images provided by local businesses If you’re after a club experience, visit the golf club in the evening for a meal with spectacular views over the green. Free or ticketed live entertainment is on Friday and Saturday nights. Top places to visit A great local tourist activity is the Moruya Sea Planes. Take a scenic flight overlooking the beaches, green pastures and mountain views. Moruya Markets are usually held on Saturday mornings and Farmers Markets are on Tuesday afternoons. Locals will tell you they’re the best in Australia! Drive just 15 minutes north of Moruya to Broulee, where you can go for a dip or check out the unique fabric art at Steph’s Fabrics. We hope this guide is helpful when deciding what to see and do during your trip to Moruya. Be sure to check out the other NSW south coast towns featured in our blog. Support the local business and community by visiting these coastal towns this year.  The content in this article has been prepared by Horizon Bank for general information only and it is not intended to be professional advice. It does not take into account your objectives, financial situation or needs. You should seek your own legal, accounting, financial or other professional advice where appropriate, and consider the relevant General Terms and Conditions before deciding whether to acquire any products or services offered by Horizon Bank and/or its affiliated partners. We do not recommend any third party products or services referred to in this article unless otherwise stated and we are not liable in relation to them. Any links to third party websites are for your information and we do not endorse any content on those sites. Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank.

SMSF trustees, get ready to maximise your retirement savings! What is a Self-Managed Super Fund (SMSF)? A self-managed super fund is a private superannuation fund you manage rather than relying on a professional fund manager. As an SMSF trustee, you have more control over your investments and can customise your portfolio to suit your specific needs and risk tolerance. However, with greater control comes increased responsibility, including compliance with regulatory requirements and ongoing administration. Why Choose Horizon Bank's SMSF Saver? The SMSF Saver account from Horizon Bank is designed to meet the unique needs of self-managed super funds. It offers a range of features and benefits that make it an ideal choice for savvy SMSF trustees looking to optimise their retirement savings. Competitive Interest Rates: Horizon Bank's SMSF Saver offers competitive interest rates to help your retirement savings grow. Earning a higher return on your cash holdings can maximise your wealth accumulation and achieve your long-term financial goals. Flexibility: The SMSF Saver provides flexibility in how you manage your funds. With no minimum balance requirement and no fixed term, you can access your money when you need it without penalty. This flexibility allows you to adapt your investment strategy as your needs and circumstances change. Easy Access: Managing your SMSF Saver account is simple with Horizon Bank's online banking platform. You can easily view your account balance, transfer funds, and access statements from the comfort of your home or office, giving you more control over your investments and financial planning. Security: As a member-owned bank, Horizon Bank prioritises the security of its customer's funds. By choosing the SMSF Saver, you can have peace of mind knowing that your retirement savings are securely held with an established financial institution. All about You: As a customer-owned financial institution, Horizon Bank prides itself on providing personalised service to its customers. As an SMSF Saver account holder, you'll have access to dedicated support from a team of experienced banking professionals who understand the unique needs of self-managed super funds. Maximising Your Retirement Savings with SMSF Saver Consider implementing the following strategies to maximise your SMSF Saver account and optimise your retirement savings. Regular Contributions: Regularly contributing to your SMSF Saver account can help grow your retirement savings. By consistently adding funds to your account, you can use compound interest and accelerate your wealth accumulation. Diversification: Diversifying your SMSF investments can reduce risk and improve returns. By holding a portion of your portfolio in cash through the SMSF Saver account, you can create a balanced investment strategy that aligns with your risk tolerance and financial goals. Monitor Performance: Regularly monitoring the performance of your SMSF Saver account and other investments can help ensure you stay on track to achieve your retirement objectives. By reviewing your account statements and discussing your investment strategy with a financial advisor, you can make informed decisions and adjust your approach as needed. Review Fees and Charges: It's essential to review the fees and charges associated with your SMSF Saver account and other investments regularly. By minimising costs, you can maximise your returns and ensure more of your money is working towards your retirement goals. Secure Your Financial Future with Horizon Bank's SMSF Saver Choosing the right savings strategy is crucial for self-managed super fund trustees looking to maximise their retirement savings. With its competitive interest rates, flexibility, and personalised service, Horizon Bank's SMSF Saver is an excellent option for those seeking a secure and effective solution for their cash holdings. By taking advantage of the features and benefits offered by the SMSF Saver, you can optimise your investment strategy and secure your financial future. Start growing your retirement savings today with Horizon Bank's SMSF Saver and take control of your financial destiny. As always, we are here to help and have branches across the Illawarra, Shoalhaven, Eurobodalla and Sapphire Coast. Contact us if we can be of any assistance. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong. Note: You should consider the General Terms & Conditions in deciding whether to buy or hold the products.

As the end of the financial year approaches, it's time to get your documentation in order and prepare for a fresh start. To help you navigate through this important period, we've put together an end of financial year checklist. By following these steps, you can ensure that you make the most of tax benefits, stay organised, and set yourself up for financial success in the coming year.   Review your income and expenses Take a close look at your income sources and expenses from the past year. This could include your wage, any government benefits, interest, rental income etc. Ensure that all your financial records, including payslips, invoices, and bank statements, are in order. This step will help you identify any potential discrepancies and make the necessary adjustments before tax time.   Utilise any government benefits If you are entitled to a NSW Government-issued voucher such as Active Kids, Premier’s Back to School, Creative Kids or First Lap, ensure these have been activated before the end of financial year deadline.   Maximise your deductions As an Australian taxpayer, you may be eligible for various deductions that can reduce your taxable income. Review your expenses and ensure that you have supporting documentation for each deduction you plan to claim. Some common deductions include work-related expenses, self-education costs, and charitable donations. Seek advice from a qualified tax professional to make sure you're claiming all the deductions you're entitled to.   Superannuation contributions Consider making additional contributions to your superannuation account before the end of the financial year. These contributions may be tax-deductible and can help boost your retirement savings while providing potential tax benefits.   Capital gains and losses If you've sold any assets during the financial year, review your capital gains and losses. Capital gains tax may apply, but you may also be able to offset these gains with any capital losses you've incurred. Consult with a tax professional to understand the implications and optimize your tax position.   Small business considerations If you run a small business, the end of the financial year is a critical time to assess your business's financial health. Review your cash flow, inventory, and outstanding invoices. Consider writing off any bad debts or obsolete stock to improve your financial position. Ensure that your employees' superannuation contributions are up to date and that you meet your obligations as an employer.   Lodge your tax return on time Australian taxpayers have until October 31st to lodge their tax returns for the previous financial year. Aim to lodge your return as early as possible to avoid any last-minute rush or penalties. If you're using a tax agent, they may be able to assist you with lodging your return and provide valuable advice.   Seek professional advice If you're unsure about any aspect of your financial situation, seek guidance from a qualified accountant or financial advisor. They can help you navigate complex tax laws, maximize your deductions, and provide tailored advice based on your specific circumstances.   The end of the financial year is a good time to reflect on your financial progress, make necessary adjustments, and plan for the future. By following this checklist, you can streamline your financial affairs, minimise tax liabilities, and set yourself up for a successful year ahead. Remember, seeking professional advice is always beneficial to ensure you make the most of the opportunities available to you. If our team can be of any help to you, please contact us.  Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong. * Disclaimer: This blog post provides general information only and should not be considered as financial or tax advice.

Take a mini-break at the township of Berry Horizon Bank Berry has your back. Berry was awarded Gold as the Top Tourism Town in NSW in the 2022 NSW Top Tourism Awards, so you’re sure to have a wonderful time. We have a list of the top attractions and activities that will ensure your stay in Berry is sensational. There's something for everyone here! You can find exactly what you're looking for, whether it's an outdoor adventure or a relaxed shopping day with friends. Plus, our recommendations are from locals who know their way around town, so you'll be exploring as if you were one of them! Don’t forget to check out Horizon Bank in Berry. We’re here to help you with your banking needs. There’s also an ATMx ATM at the branch if you need one. Berry, located in the Shoalhaven region of New South Wales, is a gorgeous little town that offers its visitors the perfect mix of countryside vistas, boutique shops, cafes and wineries. This charming destination is definitely worth a visit if you're planning a day trip or mini break. We’re sharing a comprehensive guide to help you plan your stay in Berry, from getting there to things you absolutely must do during your visit.   Getting There: If you drive to Berry from Sydney, you can take the Princes Highway towards the south and turn off at Berry. It's just about a two-hour drive from Sydney. If you prefer public transport, hop on the South Coast Line from Sydney Central Station and get off at Berry Station. Alternatively, you can take a bus from Sydney's Central Station, which takes around three hours.   Where to Stay: Berry has a range of accommodation options that are suitable for different budgets and needs. From camping, caravanning, farmstays, holiday houses, hotels, motels cosy bed and breakfasts to luxurious resorts, this town has something for everyone.   Things to Do: Despite being a small town, Berry has opportunities for outdoor adventures, cultural experiences, and more. Here are some top things to do while you're in Berry. Enjoy the Outdoors: Berry is blessed with some stunning natural scenery, perfect for outdoor enthusiasts. Take a stroll along the Seven Mile Beach and soak up the sun. Cambewarra Lookout Seven Mile Beach You can also rent a bike and explore the nearby mountain trails to admire the picturesque views.   Indulge in Local Cuisine: One of the best ways to know and understand a place is through its food; Berry is no exception. One highly recommended restaurant to try is The Hungry Duck - a modern Asian restaurant serving delicious and unique dishes that will tantalise your taste buds. South on Albany is another place for a fine dining experience showcasing local produce and wines.    Markets The Berry Farmers’ Market is a wonderful place to try some of the local produce. It features bakeries, produce and specialty foods. It’s on every Thursday afternoon at the Berry Showground. Why not browse over 100 stalls at the monthly Berry Markets at the Berry Showground. They’re held on the first Sunday of every month (except February). The market offers handmade / hand-produced products, arts and crafts, locally grown vegetables and produce, collectables, books, plants, leather goods, clothing and many other interesting stalls to browse.   Explore the Town: While you're in Berry, take some time to stroll around and explore this gorgeous little town. One of the most popular spots is the Berry Donut Van, which serves up fluffy and freshly made donuts, which are definitely worth a try. Berry Donut Van Berry Museum You can also visit the Berry Museum, one of the town's most historic buildings, showcasing the town's history. It is located on Queen Street. Stop in at the Precinct Galleries where you can take in contemporary Australian sculpture, objects, functional, and contemporary art. You’ll find art exhibitions by local artists, art and craft classes at the Historical Muir House Gallery.   Berry is a picturesque destination with much to offer its visitors. From its beautiful natural scenery, outdoor activities, cultural experiences, and flavoursome local cuisine to delightful accommodation choices and welcoming locals. Berry provides a great escape from the hustle and bustle of city life, perfect for short weekend holidays or long getaways.   Plan your itinerary well ahead of time and get ready to immerse yourself in the charming little town of Berry. Don’t forget to visit Horizon Bank while you’re there! Our newest branch is open for business in 2023, providing locals with personalised banking needs.   Horizon has branches in Berry, Nowra & Ulladulla (Shoalhaven region). In Moruya (Eurobodalla region), Thirroul, Wollongong & Albion Park (Illawarra). Bermagui, Bega & Merimbula (Bega Valley – Sapphire Coast).

As teenagers embark on their journey toward adulthood, it's crucial to equip them with essential life skills, and one of the most important skills is managing their finances responsibly. Perhaps they are about to start their first job or are looking to save up for something special. Opening a bank account for teenagers can be an excellent way to introduce them to the world of personal finance, teaching them valuable lessons about money management, budgeting, and saving. In this blog post, we'll provide you with a step-by-step guide on setting up a bank account for your teenager, empowering them with financial independence.   Step 1: Research and Choose the Right Bank We suggest looking for accounts that offer zero transaction or setup fees, attractive interest rates, online banking options and branch support for when you want to have a chat to a real person! Here at Horizon, we offer an account that is specifically for teenagers, the Teen Saver account. For kids wanting to focus on savings, take a look at our Youth Reward Saver account.   Step 2: Gather Required Documentation Before contacting the bank, it’s important to ensure you have all the necessary documents. This typically includes identification documents that verifies your full name, date of birth and home address. For example, this could include a passport/birth certificate, Medicare card and a letter addressed to the teenager at their home address from school etc. For more information on identification documents required, reach out to us for clarification.   Step 3: Visit or contact the Bank If you can, pop into the branch with your teenager or, if they’re comfortable, send them in independently. They will need to be there! Encourage them to take an active role in the process by asking questions and engaging in the conversation. This will help them develop a sense of ownership and responsibility towards their finances. The Horizon Bank team can help set up online banking, a debit card and answer any questions you might have. We have branches in Wollongong, Ulladulla, Albion Park, Thirroul, Bega, Merimbula, Moruya, Bermagui, Nowra and Berry.   Step 4: Educate them on Financial Literacy Make sure your teenager understands the basics of money management. Teach them about budgeting, saving, and the importance of responsible spending. Encourage discussions around long-term goals, such as saving for a car or something they have their eye on, to provide a sense of purpose and discipline.   Setting up a bank account for teenagers is an invaluable step towards fostering financial independence and responsible money management. By empowering our teenagers with their own accounts, we equip them with the necessary tools to make informed financial decisions and set them on a path towards a secure future. If you have any questions or want to learn more, reach out to Horizon Banks's friendly local team.

Want to know how Horizon Bank is giving back to the local community? Horizon Bank’s Community Grants Program has created a meaningful impact by helping those with positive initiatives make them happen. Through our grants program, we strive to provide opportunities for individuals and organisations that need assistance to create beneficial impact. From providing vital equipment that aids in air, land and sea rescues to green energy installations as well as accessibility solutions for those with disabilities — we are proud of the transformative efforts these projects have instigated within the communities they serve.   About the Program In creating the Horizon Bank Community Grants Program, our mission was, and is, to provide funding opportunities to organisations that provide lasting benefits to the local communities in which we operate. To date, we have put over $50,000 in funding back into our communities via some very worthwhile projects. Applications for grants are opened to the public once a year and announced via our website, newsletter and social media channels. To meet eligibility criteria, it is important for there to be project sustainability. Organisations must demonstrate how a grant will make an ongoing positive impact to the lives of those in their community. Volunteers at Bega District Rescue Squad help to keep our community safe Earlier this year, a grant application was submitted by Kevin from the Bega District Volunteer Rescue Squad. Since 1975 this team of volunteers has been providing timely rescue responses in motor vehicle accidents, search and vertical rescue. Kevin approached Horizon Bank about acquiring funding via a grant to purchase an LX Ram C and a LX Ram Claw and had their grant application approved. This equipment enhances the operational capabilities for Bega District Rescue Squad in the extrication of casualties in motor vehicle accidents when every moment matters. Due to the ever-changing construction of motor vehicles it is important that rescue equipment is up-to-date to ensure that the best possible outcomes are achieved. Do you know of an organisation that could benefit from funding opportunities? Horizon Bank Community Grants open for applications once a year. To learn more about the program, click here. To stay updated to when applications open, make sure you are following us on Facebook and Instagram.

Travelling? Make it easier with Horizon Bank's Low-Fee Credit Card. With the Canstar five-star rating, you can be sure that you’re getting the best value for your money when travelling! Our low-fee credit card offers competitive interest rates and reliable backup when abroad, giving you peace of mind while on holidays or business trips. Take advantage today and get more freedom in your travels and make life simpler by taking control with Horizon Bank's Low-Fee Credit Card. For business travellers and those who frequently travel for pleasure, it can be difficult to keep track of your expenses and make sure you’re getting the best value for your money. Horizon Bank understands that and offers its customers a low-fee credit card with a Canstar five-star rating, ensuring that you get the most out of your travels without breaking the bank. Benefits of Low-Fee Credit Cards Horizon Bank's Low-Fee Credit Card comes with a number of benefits that will make travelling easier and more affordable. First, by eliminating costly foreign transaction fees, you can access hundreds of locations worldwide without worrying about ATM withdrawals. Additionally, this card offers competitive interest rates so you can save money on travel expenses while abroad. When travelling abroad, security is always a concern. With Horizon Bank's Low-Fee Credit Card, you get added protection against fraud and theft with multi-layered security measures such as chip technology and secure encryption software that keeps your information safe from hackers. The card also includes 24/7 fraud monitoring so you can rest assured that all transactions are being monitored closely for any suspicious activity. Make every journey hassle-free with Horizon Bank's Low-Fee Credit Card! Don’t wait any longer - take control today and start making life simpler while travelling smarter with our low-fee credit card. To learn more, enquire online today or pop into one of our local branches, located along the NSW South Coast. Horizon Bank has a branch network spanning the NSW South Coast and Illawarra. Horizon Bank branch locations: Albion Park, Bega, Bermagui, Berry, Merimbula, Moruya, Nowra, Thirroul, Ulladulla & Wollongong.