An Access account will provide you with your everyday transaction account needs. Funds are available 24 hours a day, 7 days a week.
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–$2,000 | CDR | 1 Nov 2026 | |
| 0.00% | Variable · $2,000–$5,000 | CDR | 1 Nov 2026 | |
| 0.00% | Variable · $5,000–$20,000 | CDR | 1 Nov 2026 | |
| 0.00% | Variable · $20,000–$50,000 | CDR | 1 Nov 2026 | |
| 0.00% | 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://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S1_ACCESS_ACCOUNT- Content hash
sha256 fe07410f2edb747840611bb5e48e968ace77d8c5e94c16656a006488ab75a73f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_fe07410f2edb7478_db46c72aShow details
- Checked
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S1_ACCESS_ACCOUNT- Content hash
sha256 fe07410f2edb747840611bb5e48e968ace77d8c5e94c16656a006488ab75a73f- 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 would expect from Visa. | |
| Unlimited txns | Unlimited electronic transactions available on your account | |
| Overdraft | Optional Overdraft facility available to provide you with a safety net of extra funds up to an approved overdraft limit | |
| Npp payid | Get faster payments between participating banks, anytime with a Pay ID | |
| Npp enabled | ||
| Other | Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it | |
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| 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 | |
| Free txns | 9999999999 | Unlimited free electronic transactions available on your account |
| 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. | |
| Fraud protection | A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe. | |
| Other | Cards made from 82% recycled PVC | |
| Other | Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets. | |
| 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 · $0–$2,000 | 1 Nov 2026 | Current | 0.00% |
| Variable · $20,000–$50,000 | 1 Nov 2026 | Current | 0.00% |
| Variable · $2,000–$5,000 | 1 Nov 2026 | Current | 0.00% |
| Variable · $5,000–$20,000 | 1 Nov 2026 | Current | 0.00% |
| Variable · $50,000 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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