The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.
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 |
|---|---|---|---|---|
| 0.10% | Variable · $1–$10,000 | CDR | 1 Nov 2026 | |
| 0.45% | Variable · $10,000–$50,000 | CDR | 1 Nov 2026 | |
| 0.60% | Variable · $50,000 or more | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8921bfda-33cd-4dbc-867d-54405ca11e1f- Content hash
sha256 4f53003e30dd192b98089850cc19015892bc9a1b82dd88c91a9c313c18175cc8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4f53003e30dd192b_cf04ed8fShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8921bfda-33cd-4dbc-867d-54405ca11e1f- Content hash
sha256 4f53003e30dd192b98089850cc19015892bc9a1b82dd88c91a9c313c18175cc8- 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 |
|---|---|---|
| Visa Debit Cash Advance | Withdrawal | $0.70 |
| EFTPOS Including declined transactions | Withdrawal | $0.70 |
| Dishonour Fee | Dishonour | $15.00 |
| International Transaction Fee Over The Counter | Withdrawal | $30.00 |
| International Transaction Fee via Online Banking | Withdrawal | $20.00 |
| Foreign Currency Conversion Fees | Transaction | 3.00% |
| Account Service Fee | Periodic | $6.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| Other | Account sweep available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance. | |
| Npp enabled | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available | |
| Digital banking | Access is available to online banking features for the product. Banking app available | |
| Npp payid | An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available | |
| Bill payment | ||
| Card access | Visa Debit Card | |
| Digital wallet | Apple Pay | |
| Additional cards | ||
| Digital wallet | Google Pay | |
| Eligibility: other | You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you | |
| Eligibility: natural person | Must receive an aged pension into their Capricornian account or be a self-funded retiree aged over 65 years of age. | |
| Eligibility: residency status | Individuals must be citizens or permanent residents of Australia. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $50,000 or more | 1 Nov 2026 | Current | 0.60% |
| Variable · $1–$10,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $10,000–$50,000 | 1 Nov 2026 | Current | 0.45% |
Registered channels
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