Learners & Earners All Access
Transaction & Savings AccountsData Sharing Status
An everyday banking solution for young people undertaking full-time studies or an apprenticeship
- Base rate
- 0.01%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | Floating $0–$4,999.99 | monthly |
| Variable | 0.01% | USER-INPUT-RATE/1 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Overseas Purchase Fee | Transaction | 3.65% of transaction |
| Disputed Transaction Fee | Event | $35.00 |
| Direct Entry Recall of Funds Applies to Direct Debit, Direct Credit and OSKO payments | Event | $40.00 |
| DE Mistaken Payment Return Req | Event | $50.00 |
| Honour Charge | Event | $5.00 |
| Dishonour Insuff. Funds | Dishonour | $7.00 |
| Dormant Account Fee | Event | $15.00 |
| RTGS Payment Received Fee | Event | $7.20 |
| Transaction Fees Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges |
Features
- Additional cards
- Card access — Visa Debit Card
- Digital banking
- 24/7 online and mobile banking access
- Digital wallet — APPLE PAY
- Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply.
- Digital wallet — GOOGLE PAY
- Pay faster, easier and more securely with Google Pay. Google Pay eligibility restrictions may apply.
- Digital wallet — SAMSUNG PAY
- Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply.
- Real-time payments (NPP)
Eligibility
- Maximum age — 23 years
- Minimum age — 18 years
- Individuals only
- Students — Students undertaking full-time studies or an Australian apprenticeship.
More Information
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 2 · View on CDR.gov.au · View Source Data (JSON)