---
title: "Access Account — Credit Union SA"
description: "Transaction & Savings Accounts from Credit Union SA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_SAV_140
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T00:00:00.000+10:00
---

# Access Account — Credit Union SA

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

**Transaction & Savings Accounts**

Our Access Account is transaction account, Enjoy an easy-to-use account with no monthly fees. Free Visa debit card is provided, with payWave. You can request a free Visa Debit Card with payWave which you can load into Google Pay, Apple Pay, Samsung Pay and Garmin Pay. Now you can pay for purchases using your smart device, wherever mobile payment systems are offered. Get unbeatable security through measures such as the Visa Zero Liability policy (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking. Online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App. Internet banking will provide you with eStatements as well as the means to securely message each other, reducing paper and postage costs.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at Credit Union SA](https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Deposit Periodic — No monthly or annual fees · Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdrawal, Bank@Post deposit, Bank@Post withdrawal, BPAY payment, branch deposit, branch transfer, branch withdrawal, corporate cheque, direct credit, direct debit, EFTPOS cash withdrawal, EFTPOS purchase, internet banking transfer, overseas ATM enquiry, overseas ATM withdrawal, Member Contact Centre transfer or payment, mobile banking transfer, periodical payment, phone banking transfer, Visa debit cash advance, Visa debit purchase. Not all transaction types are permitted on all accounts. | Ongoing | $0.00 |
| Transaction — No transaction or withdrawal fees · Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. | Transaction | $0.00 |
| Arrears — Arrears administration fee · Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit transaction to the account or card that day | Event | $15.00 |
| Overdraft or overlimit fee — Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit transaction to the account or card that day · Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA | Event | $15.00 |
| Currency Conversion — Visa Currency Conversion | Event | 3% of transaction |
| Paper Statement — Charged Paper Statement Fee · If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee payable. | Ongoing | $2.00 |
| Direct Debit Dishonour — Direct Debit · Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured | Event | $10.00 |
| Lost VISA Card — Lost VISA Card · Payable when you lose or misplace your VISA Card and we need to order you a new card | Event | $10.00 |

## Features

- **Card access** — Visa debit card
- **Additional cards** — Null
- **Unlimited transactions**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Garmin Pay
- **Digital wallet** — Samsung Pay
- **Digital banking**
- **PayID**
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — Bpay
- **Notifications** — SMS alerts available for specified events/transactions, at regular intervals of one-off.
- **Round-ups (origin account)**
- **Round-ups (destination account)**
- **Lock, block and control your card**
- **Business Banking can be attached to the product**

## More information from Credit Union SA

- [Overview](https://www.creditunionsa.com.au/accounts/transaction-accounts/access-account/)
- [Terms & conditions](https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf)
- [Eligibility](https://www.creditunionsa.com.au/accounts/transaction-accounts/access-account/)
- [Fees & pricing](https://www.creditunionsa.com.au/fees/accounts/)

## Data provenance

- Published by Credit Union SA under the Consumer Data Right
- Product ID: `CREDITUNIONSA_SAV_140`
- Last updated by the provider: 28 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_SAV_140
- Provider page: https://www.cdrcompare.au/brands/credit-union-sa
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000131

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_SAV_140) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)