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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
Visa Debit Card

Fees

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

While you hold it1

  • MONTHLY_ACCOUNT_FEE

    Applies each month unless exemptions apply Monthly Account Fee Monthly Account Fee

    $6 a month

When you make a transaction4

  • SPECIAL_CLEARANCE_FEE_ON_CHEQUE_DEPOSITS

    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.

    $25
  • OVERSEAS_CARD_TRANSACTION_FEE

    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…

    2.50% of transaction
  • BANK@POST_WITHDRAWAL_FEE

    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.

    $5
  • VISA_CASH_WITHDRAWAL_FEE

    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.

    $5

When particular things happen12

  • ALERT_FEE_(SMS)

    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

    $0.25
  • ASSISTED_PIN_ISSUE_FEE

    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

    $10
  • BPAY_ERROR_CORRECTION_PROCESSING_FEE

    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…

    $10
  • CHEQUE_DISHONOUR_(INWARD)_FEE

    Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.

    $12
  • COUNTER_(CORPORATE)_CHEQUE_FEE

    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…

    $10
  • DUPLICATE_STATEMENT_FEE

    Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.

    $5
  • INTERIM_STATEMENT_FEE

    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).

    $2
  • OVERDRAWN_ACCOUNT_FEE

    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.

    $20
  • OVERSEAS_DEBIT_CARD_REPLACEMENT_FEE

    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…

    $120
  • REAL_TIME_GROSS_SETTLEMENT_PAYMENT_FEE

    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

    $25
  • STALE_CORPORATE_CHEQUE_FEE

    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…

    $30
  • STOP_PAYMENT_FEE_ON_CORPORATE_CHEQUE

    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…

    $25

Other fees1

  • OVERDRAWN_ACCOUNT_DEBIT_INTEREST

    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…

    $1 to $200

Features

Instant paymentsPayIDDigital bankingApple Pay , Google Pay

Eligibility and limits

  • Available to individuals
  • Opening balance $1

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.