Border BankEasy Access Transaction Account
Your day to day savings account for all your basic banking needs. Your funds are at call and earn daily interest. You can access your money by card or cheque, set up bill payments and use internet or phone banking.
At a glance
- Base rate
- 0.00%
Rates
Every rate Border Bank publishes for this account, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableMay be applicable if your account becomes overdrawn | - | - | - | 14.10% | - | - |
| VariableBalance $0 to $499 | - | - | up to $499 | 0.00% | - | paid every 6 mo |
| VariableBalance $20,001 to $50,000 | - | - | $20,001–$50,000 | 0.01% | - | paid every 6 mo |
| VariableBalance $500 to $20,000 | - | - | $500–$20,000 | 0.01% | - | paid every 6 mo |
| VariableBalance $50,001 or more | - | - | $50,001+ | 0.01% | - | paid every 6 mo |
Fees
20 fees published, grouped by when they're charged.
- When you take it out$50Overdraft Limit Establishment Fee
- While you hold it$31 a yearAnnual Overdraft Fee
- When you close it or pay it offNo fee published
When you take it out1
- Overdraft Limit Establishment Fee
A fee will be debited to your overdraft when your account is opened and when any future application for an increase in overdraft limit is approved
$50
While you hold it1
- Annual Overdraft Fee
Payable when your account is opened and on each anniversary of its opening
$31 a year
When you make a transaction6
- Visa Cash Advance Fee
Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card.
$3.80 - External Electronic Periodical Payments
If part of the Reduced Fees program, the first 3 transactions are free. Per transaction if Border Bank staff set up on your behalf.
$1 - Visa International Fees
Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percent…
3.00% of transaction - Bank@Post Cash Withdrawal fee
Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits
$2 - Counter Cash withdrawal $25,000 and over
Per cash withdrawal $25,000 or over
$50 - Counter Cash withdrawal fee up to $24,999
First 3 free if part of Reduced Fees program
$2
If a payment is late or fails1
- Direct Debit Dishonour Fee
Direct Debit Dishonour Fee per transaction
$9
When particular things happen11
- Additional Statement Fee
$1.50 per page. Payable if and when you request an additional statement.
$5 - ATM Balance Enquiry fee
At Cost
No fee - Bank Draft
Per Draft
$15 - Coin Handling Fee
Fee can also be 2 % of the amount whichever is the greater. Payable whenever coins deposited in a single month reach an accumulated value in excess of $100
$12 - Default Notice Fee
Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter
$21.50 - Document Retrieval Fee
Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved
No fee - Dormant Accounts fee
After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions.
$10 - Overdrawn Account Fee
Payable when any Savings Account is overdrawn by $75 or more within a calendar month Interest will also be charged at the then current Overdraft interest rate
$15 - Replacement Card Fee
Payable for any second or subsequent request for the replacement of a Visa Card.
$10 - Third Party Costs
At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request.
No fee - Visa Overseas Emergency Fee
Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas
$175
Features
- Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions…
- ATM withdrawals up to $1000
- Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
- Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the tra…
- Direct Credits. Set regular payments like your pay sent straight to your account
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participatin…
- Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discoun…
- Periodical Payments. Account allows Periodical Payments via Cheque and can also make External Periodical Payments
- Eftpos transactions. Eftpos transactions are free if on the Reduced Fees program, otherwise 25 transactions are free per month, thereafter will cost 0.55 per Eftpos transaction
- Direct Debits. Set up Direct Debits from this account
- ATM withdrawals. up to $1000
- Periodical Payments. Can set up Periodical Payments
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents
- Available to individuals
- SMSF Allowed
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Published by Border Bank under the Consumer Data Right, last changed by them on 28 Sept 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.