Everyday Access
The full-featured, clean money transaction account for your pay or pocket money.
- Base rate
- 0.05%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Interest calculated daily and paid quarterly | 0% | $0 - $49,999.99 | monthly |
| Variable Interest calculated daily and paid quarterly | 0.05% | $50,000.00 and above | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| Staff assisted international payment in foreign currency This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre. The cost is per transfer. | Transaction | $30.00 |
| 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 |
| Exceeding available funds fee A fee charged when you exceed the actual balance or authorised limit of your savings account, transaction account, or overdraft facility greater than $100 payable on the day the event occurs or next day. | Event |
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
- Minimum age — 13 years13+ years
- Individuals onlyNatural Person or In trust for a Natural Person
- Personal, Joint and Trust
- Residency status — AUMust be an Australian citizen, permanent resident or have a valid Visa.
More Information
Published by Bank Australia under the Consumer Data Right · Last updated 3 July 2026 · Product ID 4d9a5a0f-c608-4e31-a9fa-9e7121fbc7a4 · View on CDR.gov.au