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Everyday Access

The full-featured transaction account for your pay or pocket money.

Existing customer? Login to internet banking

Withdraw when you want

Enjoy the flexibility of multiple payment features.
We'll waive the monthly account fee if you meet the criteria.

Finder Green Bank of the year 2023

What you get

"Extremely Helpful and Efficient. Went in to set up my bank account and it was pretty much sorted in record time! Highly recommend."
Review by Monica A.

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.

Low-cost international transfers

Move money across borders quickly, easily and securely. It’s all done through the app and internet banking. Learn more.

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.)

Interest rate is variable and is calculated daily on whole of balance and credited quarterly.

Eligibility criteria

People aged 13+
Aged under 13? Read about in our in trust account

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

Single and joint account holders

Fees and charges

We’ll waive the $5 monthly account fees if you:

  • Are under 25 years old
  • Deposit at least $2,000 a month (like your pay). Please note you'll need to deposit money from an external source. Transferring between your Bank Australia accounts won't waive the fee
  • Have combined Bank Australia loans or savings of $50,000+
  • Have a Bank Australia Premium Home Loan Package or Clean Energy Home Loan
Monthly account fee
$5 (unless waived as listed above)
Exceeding available funds fee
$10 plus Debit interest charge rate
Debit interest charge rate
Dishonour fee
Domestic (“press credit”) cash withdrawal fee
Visa foreign cash withdrawal fee
$3.50 plus the International transaction 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

Why us?

What if the money in your bank account helped other people and the planet? When you bank with us, it does.

Rest assured that your money is not supporting industries that do harm, like fossil fuels or animal exports.

Manage your money 24/7 with our app and internet banking, plus fee-free ATMs.

Join the clean money revolution

Get started in less than 5 minutes – all you need is your driver’s licence or passport, and your Medicare card.

Open now

Everyday account support

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