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Bank Australia open to serve our customers: As an essential service our branches and contact centre remain open to serve our customers with their banking needs during the COVID-19 pandemic. Please use the 'find us' function to view your nearest branch's current operating hours. You can still get in touch with us by phone on 132 888 from 8:00am to 8:00pm, Monday to Friday and 9:00am to 2:00pm Saturday. 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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Interest rate
12.39% p.a.

effective 1 August 2020

More rates and fees
Rates
Total Lending Interest Rate Comparison Rate
Variable 12.39% p.a. n/a
Fees and Charges
Overdraft annual fee $24

Applying online is easy. 

Here's how...

What we'll need from you 

Along with your application, we'll need information about your financial details including income, expenses, what you own and what you owe.

If you are not an existing customer, we can verify your identity online using the following ID's:

  • Australian Drivers Licence 
  • Australian Passport 
  • Australian Medicare card
Assessment

We take responsible lending seriously, meaning that we are very careful in making sure you have the capacity to repay a loan. 

Approval

We make our loan application process easier by issuing and managing documents online. When you're approved, a member of our lending team will send through the contract ready for you to review. 

Get instant access to your Visa debit card

The days of having to wait for your card in the mail are over. Securely view your card details (full card number, expiry date, embossed name and CCV) from the App or Internet Banking.

No more waiting

If you sign up online or already have an existing card with Bank Australia, you will instantly receive a digital version of your card, available via the App or Internet Banking.

Add to your digital wallet

Add your new digital card to Apple Pay, Samsung Pay or Google Pay to start spending straight away. No need to wait for your physical card to arrive.

Cancel, reorder and go

If you need to cancel your card, you can reorder it via the App or Internet Banking and instantly receive your new digital card, which will be available in the App or Internet Banking.

Everything you need to know about this account

Eligibility

To apply for an Overdraft on your account, you will need to be: 

  • 18 years or older
  • An Australian Citizen or permanent resident of Australia
  • Currently in receipt of regular income
  • Have maintained a good credit history for the past 5 years
  • An existing Everyday Access or Pension account customer

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.

The fine print

Terms and conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval.