Basic Access
The no monthly account fees basic bank account for health care and concession card holders.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | $0 and above | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Debit interest charge rate Additional interest charged on overdrawn account. | Event | 12.39% 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 |
| Online international payment in foreign currency This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer. | Payment | $10.00 |
| 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 |
| Monthly Fee Charged monthly · A flat fee payable on the last day of each month. | Ongoing | $0.00 |
| Domestic ("press credit") cash withdrawal fee |
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 — 18 years18+ years
- Individuals onlyNatural Person or In trust for a Natural Person
- Customers who hold a Health Care Card and do not receive Government benefits, must credit their low income earnings into this account.
- Only one Basic Access account is allowed per customer, solely or jointly owned
- 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 ac8412c5-9a3c-4e4b-8063-7c81b8aa4049 · View on CDR.gov.au · View Source Data (JSON)