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Bank Australia open to serve our customers: As an essential service under the shutdowns announced Sunday evening by the Victorian and New South Wales governments, our branches and contact centres will remain open to serve our customers with their banking needs over the coming days and weeks. You can still get in touch with us by phone on 132 888 from 8am to 8pm, Monday to Friday. It may take us longer to answer your call as more customers choose to call rather than come into a branch so thanks in advance for your patience and please take care of yourselves. View details

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Everyday Access

Interest rate up to
0.01% p.a.

effective 21 February 2020

More rates and fees
Other Rates
Balance Interest Rate
Any balance 0.01% p.a.
Fees and Charges
Deposit $2,000 per month $0
Under 25 years old $0
Everyday Access monthly fee $5
Everyday Access (additional account) $5
Fees, charges & transaction limits
Savings & term deposit rates

An everyday bank account that can create positive impact

A truly responsible bank can make society better. We use the money our customers deposit to make loans to people, community organisations and businesses that create positive change. By choosing to bank with us, you will have peace of mind knowing your money won’t be supporting the growth of harmful industries.

You can help make a positive difference

By moving your banking to Bank Australia, you are ensuring your money isn’t supporting the fossil fuel industry or industries that harm people and the planet.

No monthly account fee*

 when you deposit $2000 or more each month (like your salary).

Access your money anytime, anywhere

Mange your money 24/7 with our app and Internet Banking, plus over 10,000 free ATMs with Bank Australia and all major banks.

Why choose
our Everyday
Access account? 

Fee free banking 

Bank fee free if one of these applies:

  • You're under 25 years of age
  • You add $2000 or more in external deposits to your Everyday Access account each month (like your salary)
  • You support the bank with combined loans, savings and investments over $50,000
  • You receive government benefits such as a pension - Find out more

If you don't qualify for fee free banking, the monthly fee on your Everyday Access account is $5 for unlimited transactions.

Manage your money 24/7 

Manage your money any time via our fully-featured mobile app or Internet Banking.  

Access to over 10,000 free ATMs

10,000 free ATMs including Bank Australia ATMs and those of all the major banks.

Osko and PayID

Send and receive payments in under 60-seconds using Osko and PayID. 

Digital wallet  

Set up your digital wallet with Apple Pay, Samsung Pay or Google Pay. 

Visa Debit 

With Visa Debit you have worldwide access to your money and 24/7 fraud monitoring.

It all adds up with Round UP

Let your small change grow your savings.

Round UP lets you grow your savings through your daily Visa debit purchases

Any eligible purchase with your Bank Australia Visa debit card is rounded up to the nearest dollar amount via a separate debit transaction. 

The extra amount is then transferred to your nominated Savings account. Same goes for your Bank Australia Credit Card, but instead of an increase in savings, you'll see a decrease on your credit card bill. 

All you need is an Everyday Access account to get started. 

Find out more

Everything you need to know about this account

Eligibility

To open an Everyday Access account, you will need to be:

  • 18 years or older
  • An Australian resident
  • Not a foreign tax resident

If you are under 18 years old, a parent or guardian will need to open an account on your behalf by calling us on 132 888 or visiting us in branch.
Rates and fees

Bank fee free if one of these applies:

  • You're under 25 years of age
  • You add $2000 or more in external deposits to your Everyday Access account each month (like your salary)
  • You support the bank with combined loans, savings and investments over $50,000
  • You receive government benefits such as a pension - Find out more

If you don't qualify for fee free banking, the monthly fee on your Everyday Access account is $5 for unlimited transactions.

Before making a decision, please read our Product Disclosure Statement and ensure you're aware of all fees and charges.

All rates and fees

Open an Everyday Access account

 Open in account in less than five minutes. All you need is your driver's licence or passport, and a Medicare card.

A truly responsible bank can make society better

We use the money our customers deposit to make loans to people, community organisations and businesses that create positive change. When you bank with Bank Australia, you can be confident your money is working towards a positive and more sustainable future. 

That’s why we’re the bank with clean money.

Frequently asked questions

Are you a secure bank?

Yes. We’ve been in business since 1957 and we are one of the strongest small banks in Australia.

We are regulated in the same way as every bank in Australia. Deposits are guaranteed by the Australian Government. Learn more.

Where are your branches located?

We have branches in a range of locations around Australia. However in a sense we are everywhere now. People all over Australia bank with us over the phone and online. Bank Australia customers have fee free access to more than 10,000 ATMs including Bank Australia ATMs and those of all the major banks. 

Find branches & ATMs

Which ATM's can I use?

Bank Australia customers have fee free access to more than 10,000 ATMs including Bank Australia ATMs and those of all the major banks. 

Use your Bank Australia Visa card to withdraw cash fee free from these ATMs:

  • Bank Australia
  • ANZ
  • Commonwealth Bank
  • NAB
  • Westpac

Please note from 1 January 2019, you may be charged by the ATM owner to use a rediATM.

Find branches & ATMs

Who are you?

Bank Australia is a customer owned responsible bank, in the business to create mutual prosperity - for customers, the communities they live in and the planet we all live on.

We took on a new name last year, but we are well established. Customers have been banking with us since 1957 and today nearly 124,000 people and community sector organisations choose to bank with us.

How is a customer owned bank different from other banks?

As a customer owned bank, we are 100% owned by our customers - we have no external shareholders. In fact, our customers all hold one equal share in the bank.

Most other banks are 'investor owned' which means they are controlled by, and answer to, a small group of shareholders (who don’t even have to be customers). These banks focus on making profit for their shareholders above all else.

What’s important to know is that as soon as you join us, we are accountable to you.

Our profits are invested back into providing benefits to our customers such as supporting projects that do good, not harm, for people and the planet plus fair fees, rates, products and services. Our customers all have a say what our Impact Fund support on and the industries in our Responsible Banking Policy. Every customer is also a part owner of our Conservation Reserve.

Important information

General advice warning: 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 before making a decision to apply for products with Bank Australia.

*Eligibility criteria apply. You must deposit $2k to the Everyday Transaction Account each month or maintain $50k in total banking value to earn a monthly fee waiver the following month. 

Bank Australia is committed to delivering memorable and superior service to all customers. We welcome your feedback, compliments and/or complaints about our performance.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Terms, conditions, fees and charges may be applicable. [email protected] and its device mark are registered trademarks of the Australian Postal Corporation. All rights reserved.

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