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Basic Access

The no monthly account fee transaction account for health care and concession card holders.

Simple, budget-friendly banking

Enjoy digital wallets, an easy to use app,
Visa debit card and no monthly account fee when transacting on our Basic Access account.

Finder Green Bank of the year 2023

What you get

"Super easy, super clear.  helped me set up my accounts, explained everything and made it all so easy!"
Review by Ian.

Digital wallet

When you open an account and order a card, you can use digital wallet straight away for purchases on your mobile device.

Instant, easy payments

Move money and pay people instantly with Osko. And use PayID to pay and be paid the simple way.

Joint accounts

Open an account with another person. Joint accounts are available with any of our transaction or savings accounts.

Visa Debit card

Our Visa Debit card is accepted worldwide and comes with 24/7 fraud monitoring.

Fee-free ATMs

Withdraw cash fee-free at Bank Australia ATMs and those of all the major banks – all around Australia.

Round up

Grow your savings with small change. Eligible purchases on your Visa Debit card are rounded up to the nearest dollar.


Know your money is safe with card controls, security alerts and more.

Rates, fees, terms and conditions

Current rates

Effective 18 December 2023
Interest (p.a.)
Any balance

Eligibility criteria

People aged 13+

People who have a Commonwealth Seniors Health card, a Pensioner Concession card or a Health Care card

People living in Australia as a permanent resident or with a relevant work visa

Customers who hold a Health Care Card and do not receive Government benefits, must credit their low income earnings into this account.

Upon expiry of an eligible card, customers must provide updated card details. If updated details are not provided within two months of card expiration the account will be converted to an Everyday Access account. Applicable fees and charges will apply. Cards may be presented in person or a copy sent via secure email or traditional mail.

Fees and charges

Monthly account fee
Exceeding available funds fee
Dishonour fee
Domestic (“press credit”) cash withdrawal fee
Visa foreign cash withdrawal fee
International transaction fee
3% of the transaction value
Staff assisted withdrawal fee
For all fees and charges please refer to Fees, Charges and Transaction Limits

General advice

Information provided is of a general nature only. In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents below and Target Market Determination before making a decision to apply for products with Bank Australia.

Terms, conditions, fees and charges may be applicable as outlined below.

Product disclosure documents

Things to consider

  • There is currently no interest earned on this account
  • Overdrawing facilities not available with this account

Why us?

Join the clean money revolution

Contact us on 132 888 or enquire below to open a Basic Access account.

Get started

Everyday account support

Need support with banking?
Head to our help section for more information.