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A low cost, super value everyday banking account and if you deposit more than $1000 into it a month (think your pay) then you?ll pay zero monthly account fee. Monthly account fee exemptions also apply
Savings & transaction accountsBank updated 13 Apr 2026
At a glance
- Pricing
- Rates on application
- Monthly fee
- $6
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| SPECIAL_CLEARANCE_FEE_ON_CHEQUE_DEPOSITS | Deposit | $25 | — | Applies where you request us to obtain fast clearance of a cheque to be deposited to your account. The fee is debited to your account at the time of request. |
| ALERT_FEE_(SMS) | Event | $0.25 | — | Applies to each Alert sent to you by SMS. The fee is debited to your nominated account at the end of the day in which the SMS is initiated |
| ASSISTED_PIN_ISSUE_FEE | Event | $10 | — | Applies where you request us to generate a PIN for your card. The fee will be debited to your account at the end of the day in which the PIN is generated |
| BPAY_ERROR_CORRECTION_PROCESSING_FEE | Event | $10 | — | Applies where we are required to process the correction of a BPAY payment that is made by you in error. The fee does not apply where you are not responsible for the error. The fee is debited to your… |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12 | — | Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour. |
| COUNTER_(CORPORATE)_CHEQUE_FEE | Event | $10 | — | Applies where you request us to draw a counter/corporate cheque against funds held in your account, whether to a third party or to yourself. The fee is debited to your account at the end of the day i… |
| DUPLICATE_STATEMENT_FEE | Event | $5 | — | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| INTERIM_STATEMENT_FEE | Event | $2 | — | Per statement. Applies where you request an interim statement between your existing statement cycle. The fee is debited to your account when we issue the interim statement(s). |
| OVERDRAWN_ACCOUNT_FEE | Event | $20 | — | Applies where your account is overdrawn by more than $20.00* at the close of business without prior approval from us. The fee will be debited to your account on the next business day. |
| OVERSEAS_DEBIT_CARD_REPLACEMENT_FEE | Event | $120 | — | Applies where you request the emergency replacement through VISA International of your VISA Debit card that is lost or stolen. The fee is debited to your account at the time of your request for a rep… |
| REAL_TIME_GROSS_SETTLEMENT_PAYMENT_FEE | Event | $25 | — | Applies where you initiate the transfer of cleared funds, via RTGS, to another financial institution within Australia. The fee is debited to your account at the time the transfer is initiated |
| STALE_CORPORATE_CHEQUE_FEE | Event | $30 | — | Applies where a counter/corporate cheque that you have arranged is still unpresented after 15 months from the date of issue. The fee is payable by you when we issue a replacement counter/corporate ch… |
| STOP_PAYMENT_FEE_ON_CORPORATE_CHEQUE | Event | $25 | — | Applies to a request from you for a stop payment to be placed on a counter/corporate cheque due to theft or loss. The fee is debited to your account on the next business day following placement of th… |
| OVERDRAWN_ACCOUNT_DEBIT_INTEREST | Other | $1 to $200 | — | Where your account is overdrawn* at the close of business without prior approval from us, we will charge you interest on the unauthorised overdrawn amount. Overdrawn Account Debit Interest is calcula… |
| MONTHLY_ACCOUNT_FEE | Periodic | $6 | Every 1 mo | Applies each month unless exemptions apply Monthly Account Fee Monthly Account Fee |
| OVERSEAS_CARD_TRANSACTION_FEE | Transaction | 2.50% of transaction | — | Applies to all cash advances and retail purchase transactions made in currencies other than Australian dollars. The fee is added to the total transaction amount debited to your account in Australian… |
| BANK@POST_WITHDRAWAL_FEE | Withdrawal | $5 | — | This fee applies where you make a cash withdrawal via Australia Post offices displaying the Bank@Post symbol. The fee is debited to your account at the end of the month in which the fee is incurred. |
| VISA_CASH_WITHDRAWAL_FEE | Withdrawal | $5 | — | Applies where you make a VISA cash advance at an overseas ATM. The fee is debited to your account at the end of the month. |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple Pay , Google Pay
§ 04 — Eligibility & limits
- · Available to individuals
- · Opening balance $1
§ 05 — Compare
§ 06 — Run the numbers
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Published by Bank of us under the Consumer Data Right, last changed by them on 13 Apr 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.