Retirement Account

Transaction & Savings AccountsData Sharing Status

The Retirement Account enables retirees to earn a little, whilst still using this as an everyday bank account.

Deposit Rates

Type	Rate	Applies To	Interest Paid
Variable	1.4%	Tier 1	monthly
Variable	1.6%	Tier 2	monthly
Variable	2.05%	Tier 3	monthly
Variable	2.05%	Tier 4	monthly

Fee	Type	Amount
Visa Purchase with Cash Out	Transaction	$0.90
Staff Assisted Transfer Fee −$0.00 — Only customers older then a minimum age receive the discount	Transaction	$2.50
Bank@Post Deposit Fee	Transaction	$2.00
Bank@Post Withdrawal Fee	Transaction	$4.50
Cash Advance/Overseas ATM Fee	Transaction	$4.50
Bpay Payment Fee −$0.00 — Only customers older then a minimum age receive the discount	Transaction	$2.50
External Payment Fee	Transaction	$2.50
Bill Payment Fee	Transaction

Bill payment (BPAY): BPAY available.
Card access — Visa Debit Card available
Digital banking: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services
Digital wallet — Mobile Wallet: Load your Beyond Bank Visa Debit card to your phone to make fast and easy transactions.
Notifications — Text Me or Push Notification Alert: Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.
Real-time payments (NPP): New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.

Individuals only
Membership: You must be or become a Beyond Bank Australia member
Pension recipientsOnly available to self-funded retirees or those in receipt of a Superannuation or Aged Pension or the Mature Aged Allowance.

Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 2 · View on CDR.gov.au