The Finance Algorithm
A-Auswide Bank logoA-Auswide Bank

INSTANT ACCESS ACCOUNT

An everyday transaction account with no monthly fee and some transaction fees

Savings & transaction accountsBank updated 1 July 2026

At a glance

Pricing
Rates on application

Fees

12 fees published, grouped by when they're charged.

While you hold it1

  • STATEMENT_FEE

    Payable when we issue you with a paper statement of your account

    $2 a month

When you make a transaction9

  • ATM_DIRECT_CHARGE_FEE

    Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.

    Varies
  • BRANCH_CASH_DEPOSIT_FEE

    Payble when you deposit cash over the counter at an Auswide Bank branch/agency

    $2.50
  • BRANCH_CHEQUE_DEPOSIT_FEE

    Payable when you deposit a cheque over the counter at an Auswide Bank branch/agency

    $2.50
  • TELEGPRAPHIC_TRANSFER_FEE

    $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.

    $50
  • BRANCH_INTERNAL_TRANSFER_FEE

    Payable when you request us to process a transfer to another internal account over the counter at an Auswide Bank branch/agency

    $2.50
  • CURRENCY_CONVERSION_FEE

    Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

    3.00% of transaction
  • RTGS_OUTWARD_PAYMENT_FEE

    Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

    $20
  • BRANCH_CASH_WITHDRAWAL_FEE

    Payable when you withdraw cash over the counter at an Auswide Bank branch/agency

    $2.50
  • FOREIGN_ATM_WITHDRAWAL_FEE

    Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

    $5

When particular things happen2

  • ADDITIONAL_STATEMENT_FEE_-_INSTANT_ACCESS_ACCOUNT

    Payable when you request us to issue you an additional statement of account

    $2
  • DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT

    Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account

    $15

Features

Instant paymentsPayIDDigital banking
  • Up to 99 Sub Accounts

Eligibility and limits

  • Available to individuals

Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 1 July 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.