Personal Access Account
Easy access to your banking, every day. With the features you need, this is a simple and versatile account to use and move your money.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| EFTPOS incl declined transactions | Withdrawal | $0.70 |
| Visa Debit Cash Advance Where credit option is selected for cash/cash and purchase transaction | Transaction | $0.70 |
| Foreign Currency Conversion Fees Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA. | Transaction | 3% of transaction |
| Dishonour Fee Where there is not enough money in the account to pay a direct debit that the customer has setup. | Dishonour | $15.00 |
| International Transaction Fee Over The Counter Transaction Fee charged at the result of sending an International Transfer whilst assisted by staff. | Withdrawal | $30.00 |
| International Transaction Fee via Online Banking Transaction Fee charged at the result of sending an International Transfer whilst conducting it via Online Banking | Withdrawal | $20.00 |
Features
- Additional cards
- Fees may apply
- Digital wallet — Apple Pay
- Digital banking
- Access is available to online banking features for the product. Banking app available.
- Real-time payments (NPP)
- An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available.
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available
- Card access — A Visa Debit payWave card is available for the product to access funds
- Digital wallet — Google Pay
Eligibility
- You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
- Residency status — Individuals must be citizens or permanent residents of Australia
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 28 April 2026 · Product ID 49c287aa-289c-4919-bdff-3118ad616179 · View on CDR.gov.au