Bank First Production
First Access Account
Child Transaction Account
Savings & transaction accountsBank updated 22 May 2026
At a glance
- Base rate
- 1.95%
- Monthly fee
- $0
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 1.95% | — | paid every 3 mo |
§ 02 — Fees · 15
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Direct Debit Dishonour Fee | Dishonour | $15 | — | — |
| Statement Request | Enquiry | No fee | — | — |
| Coin Handling Fee | Event | $5 | — | Handling of a coin deposit or withdrawal - $5 per every $100. |
| Direct Debit Stop Request | Event | $9 | — | — |
| Direct Entry Return Fee | Event | $2.50 | — | — |
| Express Posting Of Card Or Pin In Australia | Event | $15 | — | — |
| Issue Card Or Pin Internationally By Registered Mail | Event | $15 | — | $15 dollars per item |
| Overdrawn Account Fee | Event | $15 | — | 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… |
| Account Keeping Fees | Periodic | No fee | Every 1 mo | — |
| Inactive Membership Fee | Periodic | $30 | Every 1 yr | — |
| Emergency Overseas Replacement Card Fee | Replacement | $150 | — | This Fee is waived for Platinum credit card holders |
| Replacement Card Fee | Replacement | $8 | — | $12.00 Staff Assisted and $8 via Mobile Banking App |
| Currency Conversion Fee | Transaction | 3.00% of transaction | — | This fee is waived for Premier/Rewards Package Home Loan customers |
| Visa Debit Card Overseas Atm Withdrawals | Withdrawal | $2.50 | — | The ATM operator may charge a fee at the time of the transaction |
| Visa Debit Over The Counter Cash Advance | Withdrawal | $2.50 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsGoogle PayApplePay
- · Phone banking is available
- · Other service related charges apply based on your circumstances
§ 04 — Eligibility & limits
- · Maximum age 17
- · Available to members only.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank First under the Consumer Data Right, last changed by them on 22 May 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.