---
title: "INSTANT ACCESS ACCOUNT — Auswide Bank Ltd"
description: "Transaction & Savings Accounts from Auswide Bank Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/auswide-bank-ltd/products/6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T10:48:16.000+10:00
---

# INSTANT ACCESS ACCOUNT — Auswide Bank Ltd

> Transaction & Savings Accounts from Auswide 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 · A-Auswide Bank**

An everyday transaction account with no monthly fee and some transaction fees

## Apply

Applications are handled by the provider: [Apply at Auswide Bank Ltd](https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| BRANCH_CASH_DEPOSIT_FEE — Payble when you deposit cash over the counter at an Auswide Bank branch/agency | Deposit | $2.50 |
| BRANCH_CASH_WITHDRAWAL_FEE — Payable when you withdraw cash over the counter at an Auswide Bank branch/agency | Withdrawal | $2.50 |
| BRANCH_INTERNAL_TRANSFER_FEE — Payable when you request us to process a transfer to another internal account over the counter at an Auswide Bank branch/agency | Transaction | $2.50 |
| BRANCH_CHEQUE_DEPOSIT_FEE — Payable when you deposit a cheque over the counter at an Auswide Bank branch/agency | Deposit | $2.50 |
| RTGS_OUTWARD_PAYMENT_FEE — Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment | Transaction | $20.00 |
| TELEGPRAPHIC_TRANSFER_FEE — $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank. | Payment | $50.00 |
| ATM_DIRECT_CHARGE_FEE — Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM. | Cash advance | Variable |
| FOREIGN_ATM_WITHDRAWAL_FEE — Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account | Withdrawal | $5.00 |
| CURRENCY_CONVERSION_FEE — Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM | Transaction | 3% of transaction |
| STATEMENT_FEE — Charged monthly · Payable when we issue you with a paper statement of your account | Ongoing | $2.00 |
| ADDITIONAL_STATEMENT_FEE_-_INSTANT_ACCESS_ACCOUNT — Payable when you request us to issue you an additional statement of account | Event | $2.00 |
| DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT — Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account | Event | $15.00 |

## Features

- **Card access** — Visa Debit Card (Full Access Card - 16 years and older)
- **Card access** — Visa Debit Card (Limited Accesss Card - 11 years and older)
- **Bill payment (BPAY)** — BPAY
- **Digital banking**
- **Up to 99 Sub Accounts**
- **Real-time payments (NPP)**
- **PayID**

## Eligibility

- **Individuals only** (Available for personal use only)

## More information from Auswide Bank Ltd

- [Overview](https://auswidebank.com.au/banking/everyday-accounts/instant-access-account/)
- [Terms & conditions](https://auswidebank.com.au/help/resources/terms-and-conditions/)
- [Eligibility](https://auswidebank.com.au/help/resources/terms-and-conditions/)
- [Fees & pricing](https://auswidebank.com.au/help/resources/fees-and-charges/)

## Data provenance

- Published by Auswide Bank Ltd under the Consumer Data Right
- Product ID: `6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/auswide-bank-ltd/6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f
- Provider page: https://www.cdrcompare.au/brands/auswide-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000144

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/auswide-bank-ltd/products/6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f) — 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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