---
title: "First Access Account — Bank First"
description: "Transaction & Savings Accounts from Bank First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-first/products/e0589ed4-b32b-4d7d-9c60-2ad88b038e11
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-21T23:40:13.973491Z
---

# First Access Account — Bank First

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

**Transaction & Savings Accounts · Bank First Production**

Child Transaction Account

## At a glance

- **Base rate:** 1.95%

## Apply

Applications are handled by the provider: [Apply at Bank First](https://form.bankfirst.com.au/account-application)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.95% | — | every 3 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Inactive Membership Fee — Charged yearly | Ongoing | $30.00 |
| Issue Card Or Pin Internationally By Registered Mail — $15 dollars per item | Event | $15.00 |
| Coin Handling Fee — Handling of a coin deposit or withdrawal - $5 per every $100. | Event | $5.00 |
| Direct Debit Dishonour Fee | Dishonour | $15.00 |
| Account Keeping Fees — Charged monthly | Ongoing | $0.00 |
| Replacement Card Fee — $12.00 Staff Assisted and $8 via Mobile Banking App | Replacement | $8.00 |
| Visa Debit Card Overseas Atm Withdrawals — The ATM operator may charge a fee at the time of the transaction | Withdrawal | $2.50 |
| Direct Entry Return Fee | Event | $2.50 |
| Visa Debit Over The Counter Cash Advance | Withdrawal | $2.50 |
| Direct Debit Stop Request | Event | $9.00 |
| Express Posting Of Card Or Pin In Australia | Event | $15.00 |
| Overdrawn Account Fee — Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments if the balance remains overdrawn / limit exceeded. | Event | $15.00 |
| Statement Request | Enquiry | $0.00 |
| Emergency Overseas Replacement Card Fee — Discount −$150.00 — This Fee is waived for Platinum credit card holders (eligibility: Other: Fee is waived for Platinum credit card holders) | Replacement | $150.00 |
| Currency Conversion Fee — Discount −3% of transaction — This fee is waived for Premier/Rewards Package Home Loan customers (eligibility: Other: This fee is waived for Premier/Rewards Package Home Loan customers) | Transaction | 3% of transaction |

## Features

- **Phone banking is available**
- **Other service related charges apply based on your circumstances**
- **PayID**
- **Digital wallet** — Google Pay
- **Digital banking** (The minimum age to register for internet banking is 12 years old and the child must be a signatory on the account. However, a child that wants to register and is aged between 12-14 years old can be registered, so long as they have a parent/guardian attached to the account that is also is a signatory.)
- **Digital wallet** — ApplePay
- **Card access** — Visa Debit Card (Any Visa Debit Card on this account when the child is under the age of 12, is to be in the name of the adult authorised to operate the account.)
- **Unlimited transactions** (For the following transactions are free: Purchases on Visa Debit Card by pressing    credit   ,  purchases over the phone or Internet, Purchases on Visa Debit Card by pressing    savings    or    cheque', Electronic payments - quoting a valid BSB and account number, Bpay transactions, NPP including Osko payments. PayID and Bank@Post withdrawals.)
- **Real-time payments (NPP)**
- **Bill payment (BPAY)**

## Eligibility

- **Maximum age** — 17 years (17 years or less)
- **Available to members only.**

## More information from Bank First

- [Overview](https://www.bankfirst.com.au/bank-accounts/transaction-accounts/first-access-account)
- [Terms & conditions](https://www.bankfirst.com.au/disclosure-documents)
- [Eligibility](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6)
- [Fees & pricing](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37)

## Data provenance

- Published by Bank First under the Consumer Data Right
- Product ID: `e0589ed4-b32b-4d7d-9c60-2ad88b038e11`
- Last updated by the provider: 21 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-first/e0589ed4-b32b-4d7d-9c60-2ad88b038e11
- Provider page: https://www.cdrcompare.au/brands/bank-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000112

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-first/products/e0589ed4-b32b-4d7d-9c60-2ad88b038e11) — 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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