Australian Mutual BankEveryday Direct Account
Your everyday transaction account with VISA Debit access.
At a glance
- Base rate
- 0.00%
Rates
Every rate Australian Mutual Bank publishes for this account, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe overdraft (RediCredit) interest rate that applies to any overdrawn amounts. | - | - | - | 12.64% | - | - |
| Variable | - | - | up to $10,000 | 0.00% | - | paid every 1 mo |
| Variable | - | - | $10,000–$20,000 | 0.00% | - | paid every 1 mo |
| Variable | - | - | $20,000–$50,000 | 0.00% | - | paid every 1 mo |
| Variable | - | - | $50,000+ | 0.00% | - | paid every 1 mo |
Fees
6 fees published, grouped by when they're charged.
While you hold it1
- EDVEST_MEMBERSHIP
An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members.
$30 a year
When you make a transaction3
- CASH_ADVANCES_FEE
Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).
$4 - ATM_WITHDRAWALS_OVERSEAS$4
- INTERNATIONAL_CONVERSION_FEE
2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using yo…
2.90% of transaction
When particular things happen2
- OTHER_SERVICE_RELATED_FEES_AND_CHARGES
Other service related fees and charges may apply depending on the services you use in relation to your account. See our Fees and Charges brochure for full details.
No fee - TELE_TRANSFER
Tele transfer within Australia to an account at another financial institution.
$13
Features
- Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
- Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.
Eligibility and limits
- Residency: Individuals must be citizens or permanent residents of Australia.
- You must be a member.
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Published by Australian Mutual Bank LTD under the Consumer Data Right, last changed by them on 16 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.