Everyday Direct account
Your everyday transaction account with VISA Debit access.
- Base rate
- 0%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable The overdraft (RediCredit) interest rate that applies to any overdrawn amounts. | 12.64% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | Everyday Direct account_Tier_1 | monthly |
| Variable | 0% | Everyday Direct account_Tier_2 | monthly |
| Variable | 0% | Everyday Direct account_Tier_3 | monthly |
| Variable | 0% | Everyday Direct account_Tier_4 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| CASH_ADVANCES_FEE Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| INTERNATIONAL_CONVERSION_FEE 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| BUSINESS_ACCOUNT_MONTHLY_ACCOUNT_KEEPING_FEE Charged monthly · Monthly account keeping fee charged on the 25th of each month for non-individual members; and individual and non-individual customers. | Ongoing | $5.00 |
| TELE_TRANSFER Tele transfer within Australia to an account at another financial institution. | Event | $13.00 |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4.50 |
Features
- Card access — Visa Debit with payWave
- Additional cards
- Unlimited transactions
- Overdraft available
- You can apply to have an overdraft (RediCredit) linked to the Everyday Direct account. All applications for credit are subject to responsible lending criteria and fees and charges apply. For full details visit our website.
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Samsung Pay
Eligibility
- You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.
- Residency status — Individuals must be citizens or permanent residents of Australia.
More Information
Published by UniBank under the Consumer Data Right · Last updated 13 July 2026 · Product ID c095041f-2d72-40c4-9cea-94183d0721bd · View on CDR.gov.au