Savings account rates › Bank Australia
Basic Access
Bank Australia
CDR officialNot listed in rate tables
The no monthly account fees basic bank account for health care and concession card holders.
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 |
|---|---|---|---|---|
| 0.00% | Variable · $0 or more | 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.bankaust.com.au/cds-au/v1/banking/products/ac8412c5-9a3c-4e4b-8063-7c81b8aa4049- Content hash
sha256 560399273f60bb3477250b7dcf6dbc907db0796e7cba30c3093f4a45f2ced27e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_560399273f60bb34_e888c474Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ac8412c5-9a3c-4e4b-8063-7c81b8aa4049- Content hash
sha256 560399273f60bb3477250b7dcf6dbc907db0796e7cba30c3093f4a45f2ced27e- 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 |
|---|---|---|
| Debit interest charge rate | Event | 12.39% |
| Dishonour Fee | Dishonour | $0.00 |
| Online international payment in foreign currency | Payment | $10.00 |
| International transaction fee (ITF) | Transaction | 3.00% |
| Monthly Fee | Periodic | $0.00 |
| Domestic ("press credit") cash withdrawal fee | Withdrawal | $0.00 |
| Visa foreign cash withdrawal fee | Withdrawal | $0.00 |
| Staff assisted withdrawal fee | Event | $0.00 |
| Certificates supplied by the bank | Event | $5.00 |
| Duplicate statement fee | Event | $5.00 |
| Dormancy Fee | Periodic | $10.00 |
| Security token fee | Event | $50.00 |
| SMS alert fee | Event | $0.25 |
| Same day funds transfers within Australia fee (RTGS) | Transaction | $20.00 |
| Staff assisted international payment in foreign currency | Transaction | $30.00 |
| Staff assisted international payment in AUD | Payment | $30.00 |
| Inwards Payment fee | Deposit | $0.00 |
| Exceeding available funds fee | Event | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Bill payment | BPAY | You can pay bills with the BPAY logo via Bank Australia App or Internet Banking. |
| Card access | Visa Debit Card | Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card. |
| Digital banking | You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking. | |
| Digital wallet | Google, Samsung and Apple Pay available | Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay. |
| Notifications | Card and Account Notifications | Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity. |
| Npp enabled | Move money and pay people instantly with Osko. | |
| Npp payid | With PayID you can forget your BSB and account number - simply use your mobile, email or ABN to receive payments. This account can be linked to a PayID. | |
| Other | Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/in store transactions and simply switch them on or off from your App or Internet Banking. | |
| Other | Round Up: When you make a transaction with your Visa debit card, you can decide whether you want the amount to be rounded to the nearest whole dollar amount, with the round up being credited from this account into your nominated Savings account or Credit Card. | |
| Other | Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day. | |
| Other | PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking. | |
| Unlimited txns | There is no limit to the number of online, EFTPOS, ATM or staff assisted transactions you can make. | |
| Eligibility: min age | 18 | 18+ years |
| Eligibility: natural person | Natural Person or In trust for a Natural Person | |
| Eligibility: other | Customers who hold a Health Care Card and do not receive Government benefits, must credit their low income earnings into this account. | |
| Eligibility: other | Only one Basic Access account is allowed per customer, solely or jointly owned | |
| Eligibility: residency status | AU | Must be an Australian citizen, permanent resident or have a valid Visa. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $0 or more | 1 Nov 2026 | Current | 0.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
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