Commercial Access
Business transaction account for companies, SMEs and sole traders.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | $0 to $4,999.99 | every 3 months |
| Variable Interest Calculated Daily and paid quarterly | 0% | $10,000 to $19,999.99 | every 3 months |
| Variable Interest Calculated Daily and paid quarterly | 0% | $100,000 and above | every 3 months |
| Variable Interest Calculated Daily and paid quarterly | 0% | $20,000 to $49,999.99 | every 3 months |
| Variable Interest Calculated Daily and paid quarterly | 0% | $5,000 to $9,999.99 | every 3 months |
| Variable Interest Calculated Daily and paid quarterly | 0% | $50,000 to $99,999.99 |
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa emergency card/cash overseas fee A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas. | Event | USD 175.00 |
| International transaction fee (ITF) When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion. | Transaction | 3% of transaction |
| Dishonour Fee A fee charged where a debit presented to us is dishonoured because there aren't enough available funds in your account. | Dishonour | $0.00 |
| Domestic ("press credit") cash withdrawal fee A fee that applies to any cash withdrawal transaction within Australia made using the "credit" option on a Bank Australia Visa Debit card. | Withdrawal | $0.00 |
| Visa foreign cash withdrawal fee A fee that applies to any cash withdrawal transaction made with your Bank Australia Visa Debit Card outside Australia. | Withdrawal | $0.00 |
Features
- Bill payment (BPAY) — BPAY
- You can pay bills with the BPAY logo via Bank Australia App or Internet Banking.
- Card access — Visa Debit Card
- Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.
- Digital banking
- You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.
- Digital wallet — Google, Samsung and Apple Pay available
- Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.
- Notifications — Card and Account Notifications
- Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.
Eligibility
- Business customersSole traders, Pty Ltd, public companies, partnerships or associations
- Minimum age — 18 years18+years
- Residency status — AUBusiness must be registered in Australia
More Information
Published by Bank Australia under the Consumer Data Right · Last updated 3 July 2026 · Product ID 2c4feb40-55f1-4b95-bec4-4e78ec0d530f · View on CDR.gov.au