--- title: "Access Savings Account — Beyond Bank Australia" description: "Transaction & Savings Accounts from Beyond Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/beyond-bank-australia/products/6 source: "CDR Compare" language: en-AU last_updated: 2026-08-28T20:00:32.8935913Z --- # Access Savings Account — Beyond Bank Australia > Transaction & Savings Accounts from Beyond Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts** 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. ## At a glance - **Base rate:** 0.01% ## Apply Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/) ## 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 — Discount −$0.00 — Only Customers older than a minimum age receive the discount (eligibility: Minimum age: 70) | 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 — Discount −$0.00 — Only customers older then a minimum age receive the discount (eligibility: Minimum age: 70) | Transaction | $2.50 | | External Payment Fee | Transaction | $2.50 | | Bill Payment Fee | Transaction | $1.50 | | Direct Debit Fee | Transaction | $0.50 | | OTC Withdrawal Fee | Transaction | $2.50 | | EFTPOS Fee | Transaction | $0.90 | | Honour Overdrawn Account Fee | Event | $11.00 | | IB External/PayID Transfer Fee | Transaction | $1.00 | | Line of Credit Approval / Variation Fee — This fee is payable when you apply for new or increased credit or request a change to your line of credit contract. · Discount −$195.00 — No Line of Credit Approval/Variation Fee - Life Members (eligibility: Other: This fee is waived for Life Members.) | Upfront | $195.00 | | Default Notice Fee — This fee is payable whenever we send you a default notice because you have defaulted under the contract. | Event | $20.00 | | Default Fee on Line of Credit — This fee is payable on the 15th day of every month whilst you are in default. | Event | $25.00 | ## 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.) - **PayID** (New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.) - **Overdraft available** (Optional. Normal lending criteria applies. ) ## Eligibility - **Minimum age** — 18 years (Minimum 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 Citizen (Must 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** — $140,000.00 (Maximum credit limit for line of credit.) - **Minimum limit** — $2,000.00 (Minimum credit limit for line of credit.) ## More information from Beyond Bank Australia - [Overview](https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/) - [Terms & conditions](https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/) - [Eligibility](https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/) - [Fees & pricing](https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/) ## Data provenance - Published by Beyond Bank Australia under the Consumer Data Right - Product ID: `6` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/6 - Provider page: https://www.cdrcompare.au/brands/beyond-bank-australia - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000054 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/beyond-bank-australia/products/6) — product data published by Australian data holders under the Consumer Data Right. 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