---
title: "Personal Access Account — The Capricornian"
description: "Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/49c287aa-289c-4919-bdff-3118ad616179
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T23:54:56.135996Z
---

# Personal Access Account — The Capricornian

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

**Transaction & Savings Accounts · THE CAPRICORNIAN**

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.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/)

## 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 |
| Account Service Fee — Charged monthly · Discount −$6.00 — Minimum Deposit/Lending balance of $20,000 held within membership · Discount −$6.00 — Currently hold a Variable Rate Offset Home Loan. (eligibility: Maximum age: First account free for eligible members. $6.00 per month subsequent accounts; Minimum age: First account free for eligible members. $6.00 per month subsequent accounts) | Ongoing | $6.00 |
| Card Fee — Charged every 3 months · Discount −$6.00 — Card Fee (eligibility: Maximum age: 26; Other: Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible members currently hold a Variable Rate Offset Home Loan. ) | Ongoing | $6.00 |

## 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
- **PayID** (An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available.)

## 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 from The Capricornian

- [Overview](https://www.capricornian.com.au/banking/everyday-banking/)
- [Terms & conditions](https://www.capricornian.com.au/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `49c287aa-289c-4919-bdff-3118ad616179`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/49c287aa-289c-4919-bdff-3118ad616179
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/49c287aa-289c-4919-bdff-3118ad616179) — 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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