Beyond Bank AustraliaRetirement Account
The Retirement Account enables retirees to earn a little, whilst still using this as an everyday bank account.
At a glance
- Base rate
- 1.60%
Rates
Every rate Beyond Bank Australia publishes for this account, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest is calculated daily on portions of the balance within each tier. Interest is paid on the last day of each month. | - | - | up to $5,000 | 1.60% | - | paid every 1 mo |
| VariableInterest is calculated daily on portions of the balance within each tier. Interest is paid on the last day of each month. | - | - | $200,000+ | 2.25% | - | paid every 1 mo |
| VariableInterest is calculated daily on portions of the balance within each tier. Interest is paid on the last day of each month. | - | - | $48,600–$200,000 | 2.25% | - | paid every 1 mo |
| VariableInterest is calculated daily on portions of the balance within each tier. Interest is paid on the last day of each month. | - | - | $5,000–$48,600 | 1.80% | - | paid every 1 mo |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, up to $5,000 | 1.40% | 1.60% | up 0.20 |
| 13 Oct 2026 | Variable, $200,000+ | 2.05% | 2.25% | up 0.20 |
| 13 Oct 2026 | Variable, $48,600–$200,000 | 2.05% | 2.25% | up 0.20 |
| 13 Oct 2026 | Variable, $5,000–$48,600 | 1.60% | 1.80% | up 0.20 |
Each change is logged the night it appears in the rates Beyond Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
3 fees published, grouped by when they're charged.
When you make a transaction3
- Bank@Post Deposit Fee
This fee is payable for Bank@Post deposits made at participating Australia Post Offices.
$2 - Bank@Post Withdrawal Fee
This fee is payable for Bank@Post withdrawals made at participating Australia Post Offices.
$4.50 - Cash Advance/Overseas ATM Fee
This fee is payable for each visa debit card overseas ATM withdrawal.
$4.50
Features
Eligibility and limits
- Available to individuals
- Membership: You must be or become a Beyond Bank Australia member
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 12 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.