BNK Bank (Goldfields Money/BCHL)
Goldfields Essential Account
An everyday transaction account for savvy savers.
Savings & transaction accountsBank updated 20 Apr 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate applied to Essential and Team zone Accounts | — | — | — | 0.00% | — | paid every 1 mo; The interest rate applied to existing transaction and team zone customer accounts; The interest rate applied to new transaction Accounts only |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Direct Debit Double Handling Fee | Event | $5 | — | — |
| Formal Overdraft Product Fee (Quarterly) | Event | $27.50 | — | — |
| Payment Dishonour | Event | $25 | — | — |
| VISA or EFT Chargeback Request | Event | $25 | — | — |
| Direct Debit Facility Dishonour | Payment | $25 | — | — |
| Payment Honour | Payment | $20 | — | — |
| RTGS/IPEX (incoming) | Transaction | $10 | — | — |
| RTGS/IPEX (outgoing) | Transaction | $35 | — | — |
| Overseas VISA debit card ATM withdrawal | Withdrawal | $5 | — | — |
§ 03 — Features
Digital bankingUnlimited transactionsApple PayGoogle Pay
- · ATM withdrawals - There is an ATM daily limit of $1,000
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: An Australian citizen, permanent resident or Australian resident for tax purposes
- · Available to individuals
- · Have access to an electronic device with a working internet connection
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 20 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.