A transaction account for customers aged 55 and over, with easy access to funds and variable stepped interest.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.30% | Variable · $0–$10,000 | CDR | 1 Nov 2026 | |
| 1.85% | Variable · $10,000–$50,000 | CDR | 1 Nov 2026 | |
| 2.35% | Variable · $50,000–$100,000 | CDR | 1 Nov 2026 | |
| 2.70% | Variable · $100,000–$1,000,000,000 | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/304- Content hash
sha256 758256bbcb306b2ba4e8538831dc2ae918bfbfacb5ee8fb1d6372c88f62590cb- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_758256bbcb306b2b_0b14d646Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/304- Content hash
sha256 758256bbcb306b2ba4e8538831dc2ae918bfbfacb5ee8fb1d6372c88f62590cb- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Overseas Telegraphic Transfer | Transaction | $45.00 |
| International Transfer Fee | Transaction | $15.00 |
| Cash Handling Fee | Transaction | Set in your letter of offer |
| Bank Cheque Fee | Event | $10.00 |
| Manual Trace Fee | Transaction | $40.00 |
| Cash Passport Fee | Event | $10.00 |
| Visa Chargeback Request Fee | Event | $25.00 |
| Statement Retrieval Fee | Replacement | $2.50 |
| Declined Emergency Card Fee | Replacement | $70.00 |
| Audit Certificate Fee | Event | $30.00 |
| RTGS From Another Bank | Transaction | $8.00 |
| Manual External Transfer Fee | Transaction | $2.50 |
| RTGS To Another Bank | Transaction | $25.00 |
| Referral Fee | Event | $3.50 |
| Dishonour Fee | Dishonour | $6.00 |
| Auto Transfer Dishonour Fee | Dishonour | $6.00 |
| Overdrawn Account Management Fee | Event | $10.00 |
| Visa Foreign Currency Conversion Fee | Transaction | $0.00 |
| Card Replacement - Standard Fee | Replacement | $10.00 |
| Card Replacement - Urgent Fee | Replacement | $50.00 |
| Emergency Card Replacement - Approved Fee | Replacement | $320.00 |
| Foreign Cheque Deposit <$25,000 Fee | Deposit | $10.00 |
| Foreign Cheque Deposit $25,000+ Fee | Deposit | $60.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Additional cards | Replacement Card can be ordered for a lost, or damaged Visa Debit or Credit card. $50 for an urgent card replacement. $10 for a standard card replacement. An emergency issue of a temporary Visa card can be requested by you to temporarily replace a lost, stolen or damaged Visa Card. If approved $320. If declined $70. | |
| Card access | Visa Debit card available | A Visa Debit Card is available for this account. Make purchases online or in-store using your Visa Debit card, including paywave. Please visit our website for more information. |
| Digital banking | Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time. | |
| Digital wallet | Apple Pay, Google Pay & Samsung Pay | Make payments by adding your card to your digital wallet. |
| Fraud protection | Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information. | |
| Npp enabled | Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time. | |
| Npp payid | Use your phone or email address as your PayID to securely send payments to and from banks almost instantly. | |
| Other | Eligible customers can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information. | |
| Unlimited txns | Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information. | |
| Eligibility: min age | 55 | |
| Eligibility: natural person | Member must be a natural person rather than another legal entity. | |
| Eligibility: other | You must be or become a BCU Bank member | |
| Eligibility: other | Customers may hold up to a total of 3 Golden Account accounts under single or joint names. | |
| Eligibility: residency status | You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies. | |
| Limit: max balance | 5000000.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $50,000–$100,000 | 1 Nov 2026 | Current | 2.35% |
| Variable · $0–$10,000 | 1 Nov 2026 | Current | 0.30% |
| Variable · $10,000–$50,000 | 1 Nov 2026 | Current | 1.85% |
| Variable · $100,000–$1,000,000,000 | 1 Nov 2026 | Current | 2.70% |
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