Bank AustraliaCommercial Access
Business transaction account for companies, SMEs and sole traders.
At a glance
- Base rate
- 0.00%
- Monthly fee
- $8
Rates
Every rate Bank Australia publishes for this account, 6 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | up to $5,000 | 0.00% | - | paid every 3 mo |
| VariableInterest Calculated Daily and paid quarterly | - | - | $10,000–$20,000 | 0.00% | - | paid every 3 mo |
| VariableInterest Calculated Daily and paid quarterly | - | - | $100,000+ | 0.00% | - | paid every 3 mo |
| VariableInterest Calculated Daily and paid quarterly | - | - | $20,000–$50,000 | 0.00% | - | paid every 3 mo |
| VariableInterest Calculated Daily and paid quarterly | - | - | $5,000–$10,000 | 0.00% | - | paid every 3 mo |
| VariableInterest Calculated Daily and paid quarterly | - | - | $50,000–$100,000 | 0.00% | - | paid every 3 mo |
Fees
20 fees published, grouped by when they're charged.
While you hold it2
- Commercial Access Monthly Account Fee
A flat fee payable on the last day of each month. Fee waiver
$8 a month - Dormancy Fee
Administration fee where account has been transferred to dormancy status.
$10 a year
When you make a transaction8
- Inwards Payment fee
International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction.
No fee - Online international payment in foreign currency
This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer.
$10 - Staff assisted international payment in AUD
This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer.
$30 - International transaction fee (ITF)
When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other…
3.00% of transaction - Same day funds transfers within Australia fee (RTGS)
This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per tra…
$20 - Staff assisted international payment in foreign currency
This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre. The cost is per transfer.
$30 - Domestic ("press credit") cash withdrawal fee
A fee that applies to any cash withdrawal transaction within Australia made using the "credit" option on a Bank Australia Visa Debit card.
No fee - Visa foreign cash withdrawal fee
A fee that applies to any cash withdrawal transaction made with your Bank Australia Visa Debit Card outside Australia.
No fee
If a payment is late or fails1
- Dishonour Fee
A fee charged where a debit presented to us is dishonoured because there aren't enough available funds in your account.
No fee
When particular things happen9
- Certificates supplied by the bank
A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour.
$5 - Company/business name searches
When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search.
$40 - Debit interest charge rate
Additional interest charged on overdrawn account.
12.39% of transaction - Duplicate statement fee
$5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and…
$5 - Exceeding available funds fee
A fee charged when you exceed the actual balance or authorised limit of your savings account, transaction account, or overdraft facility greater than $100 payable on the day the event occurs or next…
No fee - Security token fee
When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token.
$50 - SMS alert fee
This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS.
$0.25 - Staff assisted withdrawal fee
A fee charged for taking money out of your account with the assistance of a staff member, charged on the day the service is provided.
No fee - Visa emergency card/cash overseas fee
A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.
$175
Features
- 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 Interne…
- Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day.
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to businesses
Compare it with others
Put this product through a calculator
Published by Bank Australia under the Consumer Data Right, last changed by them on 3 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.