Dedicated to Reducing Your Banking Costs

Sepia-willow was established in 2014 by a team of former banking professionals who recognised that Australian consumers and small businesses were paying far more in transaction fees than necessary. What began as a consulting service for friends and family quickly grew into a dedicated practice serving thousands of clients across the country.

Our founding principle remains unchanged: transparent, practical advice that delivers measurable savings. We earn our fees by helping you reduce yours.

Unlike financial planners focused on investments or insurance brokers pushing policies, we specialise exclusively in the often-overlooked area of banking fees and transaction costs. This narrow focus allows us to maintain deep expertise and stay current with constantly changing bank policies and fee structures.

Modern office workspace with financial documents

Our Methodology

Every engagement begins with a thorough analysis of your current banking arrangements. We examine twelve months of transaction history, identifying patterns in how and where you access cash, the fees incurred, and the underlying causes.

From this analysis, we develop a prioritised list of recommendations. Some clients benefit from switching to fee-free account structures. Others may need to adjust withdrawal habits or consolidate accounts. For business clients, we often identify opportunities in merchant services and cash handling procedures.

Importantly, we present options rather than mandates. Our role is to inform and advise; the decisions remain yours. We explain the trade-offs involved in each recommendation so you can make choices aligned with your priorities.

Our Principles

The values that guide how we work with every client

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Focused Expertise

We do one thing exceptionally well rather than offering diluted advice across multiple financial domains.

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Client Alignment

Our success depends on your savings. We only recommend changes that genuinely benefit your financial position.

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Transparent Process

No hidden agendas or commission-driven recommendations. We charge flat fees and work solely in your interest.

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Ongoing Relationships

Banking products and fee structures change constantly. We maintain relationships to ensure ongoing optimisation.

Leadership Team

Experienced professionals committed to your financial wellbeing

Nathan Wheeler

Founding Director with eighteen years in banking operations and retail finance management.

Caroline Morgan

Head of Client Services, previously leading customer experience at a major Australian bank.

Andrew Jenkins

Business Services Director specialising in commercial banking and merchant fee structures.

Serving All of Australia

While our head office is located in Melbourne, we serve clients throughout Australia. Our digital-first approach means location is no barrier to accessing our services. We conduct consultations via video call, securely receive documents electronically, and deliver reports through our client portal.

For business clients requiring on-site visits, our consultants travel regularly to Sydney, Brisbane, Perth, and Adelaide. Regional clients receive the same quality of service through our remote consultation process.

Contact Our Team

Start Saving on Banking Fees Today

Request your initial consultation and discover how our expertise can reduce your transaction costs.

Explore Our Services

The information provided on this website is for general informational purposes only and should not be construed as financial advice. Individual results may vary based on personal circumstances. We recommend consulting with a qualified financial adviser before making significant changes to your banking arrangements. Sepia-willow does not guarantee specific savings outcomes as fee structures and policies vary between financial institutions.