AMB Bank Product
Access Account
The Access Account gives you access to your money 24/7 so you can do your banking whenever it suits you. With no monthly account keeping fees, it’s a perfect account for all your everyday needs.
Savings & transaction accountsBank updated 15 Sept 2026
At a glance
- Base rate
- 0.01%
- Monthly fee
- $7
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.01% | — | paid every 1 yr |
§ 02 — Fees · 35
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Archive retrieval fee | Event | $50 | — | Per hour fee applies plus any expenses incurred |
| Audit Certificate Fee | Event | $50 | — | Per audit certificate requested |
| Bank@Post cheque dishonour fee | Event | $1 | — | At cost |
| Card transaction voucher retrieval | Event | $35 | — | — |
| Copies of statements (over 12 months) at branch or posted | Event | $5 | — | — |
| Copies of statements (up to 12 months) at branch | Event | $2.50 | — | — |
| Declined Visa dispute | Event | $30 | — | If a Visa dispute lodged by you is declined and found that the claim was invalid |
| EFTPOS dispute fee | Event | $1 | — | At cost |
| Encashment of Foreign Cash | Event | $10 | — | Minimum encashment of AU$50 applies |
| Foreign Cash | Event | 1.00% of transaction | — | 1% of AUD value of amount purchased. Minimum order of AU$100 applies |
| Foreign Cheque encashment (<AU$5000) | Event | $15 | — | — |
| Foreign Cheque encashment (>AU$5000) | Event | $50 | — | — |
| Copies of statements (up to 12 months) posted | Periodic | $1 | Every 1 mo | per page |
| Dormancy fee for accounts inactive greater than 24 months | Periodic | $2 | Every 1 mo | — |
| Inactive fee for accounts inactive 12 months or greater | Periodic | $2 | Every 1 mo | — |
| Paper statement fee (per statement) | Periodic | $2 | Every 1 mo | — |
| Visa Debit card annual fee | Periodic | $30 | Every 1 yr | — |
| Amendment/ cancellation of telegraphic transfer/swift transfers | Transaction | $35 | — | — |
| BPAY - periodical payment (each time processed) | Transaction | $0.60 | — | Fee may be eligible for Relationship Reward Rebate. Refer to Fees and Charges Schedule for more information. |
| BPAY transaction (self-serve) | Transaction | $0.60 | — | Fee may be eligible for Relationship Reward Rebate. Refer to Fees and Charges Schedule for more information. |
| Declined transactions (insufficient funds) | Transaction | $0.80 | — | ATM and EFTPOS within Australia |
| Direct debit dishonour - electronic | Transaction | $10 | — | — |
| Direct Debit | Transaction | $0.50 | — | Fee may be eligible for Relationship Reward Rebate. Refer to Fees and Charges Schedule for more information. |
| EFT trace/recall of funds | Transaction | $25 | — | — |
| EFTPOS transactions (when pressing Savings) | Transaction | $0.70 | — | ATM and EFTPOS within Australia. Fee may be eligible for Relationship Reward Rebate. Refer to Fees and Charges Schedule for more information |
| External transfer (self-serve) | Transaction | $0.50 | — | Fee may be eligible for Relationship Reward Rebate. Refer to F&C for more information. |
| External transfer/BPAY (staff-assisted) | Transaction | $5 | — | — |
| Foreign Currency Conversion fee | Transaction | 3.00% of transaction | — | — |
| Foreign drafts | Transaction | $20 | — | — |
| Swift transfers | Transaction | $25 | — | Electronic funds transfer between Australian Military Bank and other financial institutions |
| Telegraphic transfers (AUD) | Transaction | $50 | — | — |
| Telegraphic transfers (foreign currency) | Transaction | $30 | — | — |
| Telegraphic transfers (online) | Transaction | $20 | — | — |
| Cash advance at other financial institution | Withdrawal | $4.50 | — | — |
| Overseas ATM withdrawals | Withdrawal | $4.50 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple Pay, Google Pay, Samsung Pay. Garmin Pay, Fitbit Pay
- · No monthly account keeping fees
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens, permanent residents or temporary residents of Australia.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Australian Military Bank under the Consumer Data Right, last changed by them on 15 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.