The Finance Algorithm
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First Access Account

Child Transaction Account

Savings & transaction accountsBank updated 16 Oct 2026
Apply at Bank First ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
2.20%
Monthly fee
$0
First Access Account card

Rates

The one rate Bank First Production publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---2.20%-paid every 3 mo

Rate changes

One change logged, newest first.

DateRateWasNowChange
17 Oct 2026Variable1.95%2.20%up 0.25

Each change is logged the night it appears in the rates Bank First publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

While you hold it2

  • Account Keeping Fees
    No fee
  • Inactive Membership Fee
    $30 a year

When you make a transaction3

  • Currency Conversion Fee

    This fee is waived for Premier/Rewards Package Home Loan customers

    3.00% of transaction
  • Visa Debit Card Overseas Atm Withdrawals

    The ATM operator may charge a fee at the time of the transaction

    $2.50
  • Visa Debit Over The Counter Cash Advance
    $2.50

If a payment is late or fails1

  • Direct Debit Dishonour Fee
    $15

When particular things happen9

  • Statement Request
    No fee
  • Coin Handling Fee

    Handling of a coin deposit or withdrawal - $5 per every $100.

    $5
  • Direct Debit Stop Request
    $9
  • Direct Entry Return Fee
    $2.50
  • Express Posting Of Card Or Pin In Australia
    $15
  • Issue Card Or Pin Internationally By Registered Mail

    $15 dollars per item

    $15
  • Overdrawn Account Fee

    Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments i…

    $15
  • Emergency Overseas Replacement Card Fee

    This Fee is waived for Platinum credit card holders

    $150
  • Replacement Card Fee

    $12.00 Staff Assisted and $8 via Mobile Banking App

    $8

Features

Instant paymentsPayIDDigital bankingUnlimited transactionsGoogle PayApplePay
  • Phone banking is available
  • Other service related charges apply based on your circumstances

Eligibility and limits

  • Maximum age 17
  • Available to members only.

Published by Bank First under the Consumer Data Right, last changed by them on 16 Oct 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.