An everyday account with tiered interest rates designed for persons 55 years or older, self funded retirees or pension recipients.
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 |
|---|---|---|---|---|
| 2.25% | Variable · $0–$48,600 | Pensioners | CDR | 1 Nov 2026 |
| 3.65% | Variable · $48,600 or more | Pensioners | 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://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S12_PENSIONER_PLUS_ACCOUNT- Content hash
sha256 38dbaf538a528cc15658c0df0c28cca6fc94d4a734fa2dc5eb828f5da2e87680- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_38dbaf538a528cc1_54919813Show details
- Checked
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S12_PENSIONER_PLUS_ACCOUNT- Content hash
sha256 38dbaf538a528cc15658c0df0c28cca6fc94d4a734fa2dc5eb828f5da2e87680- 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 |
|---|---|---|
| MONTHLY_ACCOUNT_FEE | Periodic | $5.00 |
| EFTPOS_DECLINE_FEE | Transaction | $1.00 |
| ATM_INSUFFICIENT_FUNDS | Transaction | $1.00 |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30.00 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10.00 |
| PAPER_STATEMENT_FEE | Periodic | $2.00 |
| DORMANCY_FEE | Periodic | $20.00 |
| DIRECT_DEBIT_HONOUR_FEE | Payment | $15.00 |
| DIRECT_DEBIT_DISHONOUR_FEE | Transaction | $17.00 |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20.00 |
| EMERGENCY_CASH/CARD_VISA_DEBIT | Replacement | $0.00 |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE | Transaction | $30.00 |
| TELEGRAPHIC_TRANSFER_-_ONLINE | Transaction | $20.00 |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN | Transaction | $50.00 |
| VISA_CASH_ADVANCE_FEE | Transaction | $4.00 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 | Deposit | $20.00 |
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 | Deposit | $50.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | Our Visa Debit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you'd expect from Visa. | |
| Unlimited txns | Unlimited electronic transactions available on your account | |
| Npp payid | Get faster payments between participating banks, anytime with a Pay ID | |
| Npp enabled | ||
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| Other | Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it | |
| Other | Cards made from 82% recycled PVC | |
| Other | Find the digital version of your card via the Mobile App before your physical card arrives in the mail. | |
| Digital wallet | Apple Pay | |
| Digital wallet | Google Pay | |
| Digital wallet | Samsung Pay | |
| Fraud protection | A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe. | |
| Other | Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets. | |
| Digital banking | With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account. | |
| Free txns | 9999999999 | Unlimited free electronic transactions available on your account |
| Eligibility: pension recipient | You must be retired and at least 55 years old, or receiving an eligible pension and at least 18 years old. Eligible pensions or allowances include: Aged pension; Disability Support pension; Carer's pension; Wife's pension; Widow's pension; Veteran's pensions; Mature Age allowance. | |
| Eligibility: min age | 55 | |
| Eligibility: residency status | PERMANENT RESIDENT | You must be an Australian citizen or permanent resident |
| Eligibility: natural person |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $48,600 or more | 1 Nov 2026 | Current | 3.65% |
| Variable · $0–$48,600 | 1 Nov 2026 | Current | 2.25% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:pensioner | Pensioners | Filter; shown in the row |
Registered channels
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