Access Savings Account
The Access Savings Account is an everyday account with convenient banking access to your money. With the added option to attach a line of credit which allows you to access a certain amount of credit being an ideal solution for unexpected expenses.
- Base rate
- 0.01%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Unsecured Line of Credit, variable rate. Interest calculated only on the credit amount you use. Conditions apply. | 14.49% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Interest paid six monthly on 31 May and 30 November on deposit balances. | 0.01% | Floating Balance Tier 1 | every 6 months |
| Variable Interest paid six monthly on 31 May and 30 November on deposit balances. | 0.01% | Floating Balance Tier 2 | every 6 months |
| Variable Interest paid six monthly on 31 May and 30 November on deposit balances. | 0.01% | Floating Balance Tier 3 | every 6 months |
| Variable Interest paid six monthly on 31 May and 30 November on deposit balances. | 0.01% | Floating Balance Tier 4 | every 6 months |
| Variable Interest paid six monthly on 31 May and 30 November on deposit balances. | 0.01% | Floating Balance Tier 5 | every 6 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa Purchase with Cash Out | Transaction | $0.90 |
Staff Assisted Transfer Fee
| 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
| Transaction | $2.50 |
| External Payment Fee | Transaction | $2.50 |
| Bill Payment Fee | Transaction |
Features
- 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.
Eligibility
- Minimum age — 18 yearsMinimum Age is 18 years of age
- Individuals only
- Membership: You must be or become a Beyond Bank Australia member
- Lending criteria applies.
- Residency status — Australian CitizenMust be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.
Constraints
- Maximum limit — $140,000.00Maximum credit limit for line of credit.
- Minimum limit — $2,000.00Minimum credit limit for line of credit.
More Information
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 6 · View on CDR.gov.au