---
title: "Easy Access Transaction Account — Border Bank"
description: "Transaction & Savings Accounts from Border Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/border-bank/products/4a05a5a8-0612-4d07-bd8d-319abb66b32e
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-29T00:55:43.867Z
---

# Easy Access Transaction Account — Border Bank

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

**Transaction & Savings Accounts**

Your day to day savings account for all your basic banking needs. Your funds are at call and earn daily interest. You can access your money by card or cheque, set up bill payments and use internet or phone banking.

## At a glance

- **Base rate:** 0.01%

## Apply

Applications are handled by the provider: [Apply at Border Bank](https://www.borderbank.com.au/online-membership-application/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (May be applicable if your account becomes overdrawn) | 14.1% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Balance $20,001 to $50,000) | 0.01% | Tier 3 | every 6 months |
| Variable (Balance $50,001 or more) | 0.01% | Tier 4 | every 6 months |
| Variable (Balance $500 to $20,000) | 0.01% | Tier 2 | every 6 months |
| Variable (Balance $0 to $499) | 0% | Tier 1 | every 6 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Additional Statement Fee — $1.50 per page. Payable if and when you request an additional statement. | Event | $5.00 |
| Default Notice Fee — Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter | Event | $21.50 |
| Visa Overseas Emergency Fee — Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas | Event | $175.00 |
| Dormant Accounts fee — After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions. | Event | $10.00 |
| 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 |
| Bank@Post Cash Withdrawal fee — Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits | Withdrawal | $2.00 |
| Direct Debit Dishonour Fee — Direct Debit Dishonour Fee per transaction | Dishonour | $9.00 |
| Visa International Fees — Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percentage of the value of the transaction. A proportion of the fee may be retained by Border Bank. The amount of this conversion fee is subject to change from time to time and we will advise you in advance. | Transaction | 3% of transaction |
| Bank Draft — Per Draft | Event | $15.00 |
| Counter Cash withdrawal fee up to $24,999 — First 3 free if part of Reduced Fees program | Withdrawal | $2.00 |
| Document Retrieval Fee — Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved | Event | $0.00 |
| Counter Cash withdrawal $25,000 and over — Per cash withdrawal $25,000 or over | Withdrawal | $50.00 |
| Replacement Card Fee — Payable for any second or subsequent request for the replacement of a Visa Card. | Event | $10.00 |
| Overdraft Limit Establishment Fee — A fee will be debited to your overdraft when your account is opened and when any future application for an increase in overdraft limit is approved | Upfront | $50.00 |
| Overdrawn Account Fee — Payable when any Savings Account is overdrawn by $75 or more within a calendar month Interest will also be charged at the then current Overdraft interest rate | Event | $15.00 |
| Third Party Costs — At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request. | Event | $0.00 |
| Annual Overdraft Fee — Charged yearly · Payable when your account is opened and on each anniversary of its opening | Ongoing | $31.00 |
| External Electronic Periodical Payments — If part of the Reduced Fees program, the first 3 transactions are free. Per transaction if Border Bank staff set up on your behalf. | Transaction | $1.00 |
| ATM Balance Enquiry fee — At Cost | Event | $0.00 |

## Features

- **Bill payment (BPAY)** — BPAY (BPAY - for your bill payments with access to the
BPAY system*)
- **PayID** (Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.)
- **Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.**
- **Free transactions** — 4 (All Members receive 4 RediATM transactions and are therefore charged 1.37 per transaction. 4 without Reduced Fees Program)
- **Card access** — Visa Debit (A Border Bank Easy Access Account offers all the features you could ask from an everyday access facility)
- **ATM withdrawals up to $1000 **
- **Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™**
- **Verified by Visa. 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.**
- **Digital wallet** — Apple Pay (Pay with your Border Bank Visa Debit Cards using Apple Pay)
- **Direct Credits. Set regular payments like your pay sent straight to your account**
- **Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.**
- **Free transactions** — 10 (In addition 4 other Financial Institution ATM withdrawal fees are rebated, max $8 a month if on Reduced Fees program. 10 free RediATM transactions if on Reduced Fees program)
- **PayID** (Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.)
- **Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers**
- **Overdraft available** (Credit Overdraft. Adding flexibility to your account, Credit Overdraft. Attaching a Credit Overdraft facility to this account means you will always be prepared for those unexpected bills or bargain buys!)
- **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. )
- **Periodical Payments. Account allows Periodical Payments via Cheque and can also make External Periodical Payments**
- **Digital wallet** — Google Pay (Pay with your Border Bank Visa Debit Cards using Google Pay)
- **Digital banking** (Phone banking You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.)
- **Eftpos transactions. Eftpos transactions are free if on the Reduced Fees program, otherwise 25 transactions are free per month, thereafter will cost 0.55 per Eftpos transaction**
- **Digital banking** (Internet banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.)
- **Digital wallet** — Samsung Pay (Pay with your Border Bank Visa Debit Cards using Samsung Pay)
- **Direct Debits. Set up Direct Debits from this account**
- **PayID** (PayTo® is a modern digital payment solution offering a fast, easy and secure way to pay. It gives members more visibility and control over their payments, and enables merchants and businesses to initiate real-time payments from their customers’ bank accounts)
- **Direct Credits. Set regular payments like your pay sent straight to your account**
- **Real-time payments (NPP)** (Yes)
- **Interest-free period** — 55 days
- **ATM withdrawals. up to $1000**
- **Periodical Payments. Can set up Periodical Payments**
- **Digital banking** (Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.)
- **Card access** — Credit Card (Can be used at over 29 million Visa outlets in over 250 countries around the world)
- **Confirmation Of Payee**

## Eligibility

- **Minimum age** — 18 years
- **SMSF Allowed**
- **Residency status** — Australian Citizen
- **Individuals only** (Individuals)
- **Residency status** — Australian Residents

## More information from Border Bank

- [Overview](https://www.borderbank.com.au/banking)
- [Terms & conditions](https://www.borderbank.com.au/important-documents)
- [Eligibility](https://cdn.mediavalet.com/aunsw/policebank/Rkbp_Nr1rE6A34FSAEFmZA/F9H8yhR060iubsp88-xaDQ/Original/BBS1_Easy-Access-Transaction-Account-TMD.pdf)
- [Fees & pricing](https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf)

## Data provenance

- Published by Border Bank under the Consumer Data Right
- Product ID: `4a05a5a8-0612-4d07-bd8d-319abb66b32e`
- Last updated by the provider: 29 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/border-bank/4a05a5a8-0612-4d07-bd8d-319abb66b32e
- Provider page: https://www.cdrcompare.au/brands/border-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000392

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/border-bank/products/4a05a5a8-0612-4d07-bd8d-319abb66b32e) — 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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