---
title: "Everyday Direct Account — Australian Mutual Bank LTD"
description: "Transaction & Savings Accounts from Australian Mutual Bank LTD. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/australian-mutual-bank-ltd/products/418314aa-1e84-11f1-9ce5-325096b39f47
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T14:20:14.000+10:00
---

# Everyday Direct Account — Australian Mutual Bank LTD

> Transaction & Savings Accounts from Australian Mutual Bank LTD. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Australian Mutual Bank**

Your everyday transaction account with VISA Debit access.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at Australian Mutual Bank LTD](https://australianmutual.bank/banking/savings-accounts/everyday-direct/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The overdraft (RediCredit) interest rate that applies to any overdrawn amounts.) | 12.64% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Everyday Direct Account_Tier_1 | monthly |
| Variable | 0% | Everyday Direct Account_Tier_2 | monthly |
| Variable | 0% | Everyday Direct Account_Tier_3 | monthly |
| Variable | 0% | Everyday Direct Account_Tier_4 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| INTERNATIONAL_CONVERSION_FEE — 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| TELE_TRANSFER — Tele transfer within Australia to an account at another financial institution. | Event | $13.00 |
| OTHER_SERVICE_RELATED_FEES_AND_CHARGES — Other service related fees and charges may apply depending on the services you use in relation to your account.  See our Fees and Charges brochure for full details. | Event | $0.00 |
| CASH_ADVANCES_FEE — Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| EDVEST_MEMBERSHIP — Charged yearly · An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members. | Ongoing | $30.00 |
| ATM_WITHDRAWAL_OVERSEAS | Transaction | $4.50 |

## Features

- **Card access** — Visa Debit with payWave
- **Unlimited transactions**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital banking**
- **PayID**
- **Bill payment (BPAY)** — BPAY
- **Notifications** — Track payments with SMS and email alerts
- **Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.**
- **Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.**

## Eligibility

- **You must be a member.**
- **Residency status** — Individuals must be citizens or permanent residents of Australia.

## More information from Australian Mutual Bank LTD

- [Overview](https://australianmutual.bank/banking/savings-accounts/everyday-direct/)
- [Terms & conditions](https://australianmutual.bank/about-us/disclosures-and-reports/)
- [Eligibility](https://australianmutual.bank/banking/savings-accounts/everyday-direct/)
- [Fees & pricing](https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf)

## Data provenance

- Published by Australian Mutual Bank LTD under the Consumer Data Right
- Product ID: `418314aa-1e84-11f1-9ce5-325096b39f47`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/australian-mutual-bank-ltd/418314aa-1e84-11f1-9ce5-325096b39f47
- Provider page: https://www.cdrcompare.au/brands/australian-mutual-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000240

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/australian-mutual-bank-ltd/products/418314aa-1e84-11f1-9ce5-325096b39f47) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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