Safeguard Transaction Account
This account helps you avoid exception fees such as Overdrawn Service fee and Dishonour fees. Your funds are at call and earn daily interest. You can set up bill payments and direct entries and use internet and phone banking on this account.
- Base rate
- 0.01%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Balance $0 to $499 | 0% | Tier 1 | every 6 months |
| Variable Balance $500 to $20,000 | 0.01% | Tier 2 | every 6 months |
| Variable Balance $50,001 or more | 0.01% | Tier 4 | every 6 months |
| Variable Balance $20,001 to $50,000 | 0.01% | Tier 3 | every 6 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Document Retrieval Fee Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee | Event | $0.00 |
| Coin Handling Fee Fee can also be 2 % of the amount whichever is the greater. Payable whenever coins deposited in a single month reach an accumulated value in excess of $100 | Event | $12.00 |
| Third Party Costs At Cost | Event | $0.00 |
| Replacement Card Fee Payable for any second or subsequent request for the replacement of a Visa Card. | Event | $10.00 |
| Visa Overseas Emergency Fee Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas | Event | $175.00 |
| Direct Debit Dishonour Fee Direct Debit Dishonour Fee per transaction | Dishonour | $9.00 |
| Counter Cash withdrawal $25,000 and over |
Features
- Direct Debits. Set up Direct Debits from this account
- Real-time payments (NPP)
- NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments.
- Bill payment (BPAY) — BPAY
- BPAY - for your bill payments with access to the BPAY system*
- Digital wallet — Samsung Pay
- Pay with your Border Bank Visa Debit Cards using Samsung Pay
- Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Border Bank can be sure the card isn't being used without your permission.
- Card access — Visa Debit
- A Border Bank Easy Access Account offers all the features you could ask from an everyday access facility
Eligibility
- Residency status — Australian Citizens
- Individuals onlyIndividual
- Residency status — Australian Residents
More Information
Published by Border Bank under the Consumer Data Right · Last updated 21 May 2026 · Product ID 0bbfd4d4-c301-46ce-8248-d5ad19055ef1 · View on CDR.gov.au