My State PM ProductionBasic Account
Ideal for customers who hold a Commonwealth Seniors Health Card, or Health Care Card or DVA Health Card or Pensioner Concession Card and have an Australian residential address.
At a glance
- Pricing
- Rates on application
- Monthly fee
- $0
Fees
31 fees published, grouped by when they're charged.
While you hold it1
- Monthly Account Fee
Free
No fee
When you make a transaction22
- EFTPOS transaction
Free
No fee - Foreign Currency Conversion
Visa International will convert all transactions made in foreign currency or processed overseas on the Visa Debit Card into Australian dollars at the foreign exchange rate that applies on the day the…
0.03% of transaction - ATM transaction
You may be charged a fee by an ATM operator
No fee - Bank cheque
per item
$16 - Bank@Post Withdrawal Fee
Basic Account exempt
No fee - BPAY transaction
Free
No fee - Cash withdrawal
completed by a Branch or Customer Care staff member
No fee - Direct Debit transaction
Free
No fee - MyState Bank Corporate Cheque
This fee applies when we draw a cheque from your account at your request. This fee is charged on the day of the transaction.
$8 - Pay someone using BSB & account number
Free
No fee - Pay someone using PayID
Free
No fee - Purchases using Visa Debit card
Free
No fee - Repurchase of Foreign Currency Documents on a Collection Basis
Applies when you request us to purchase overseas drafts, personal cheques or negotiable instruments over AUD$2,000 and/or requiring collection prior to payment. Fee is charged when funds are returned…
$55 - Repurchase of Foreign Currency Documents
applies when you request us to purchase overseas drafts, personal cheques or negotiable instruments up to AUD $2,000 value. Fee is charged when the foreign currency documents are repurchased.
$10 - Swift & Electronic Funds Transfer (outward) within Australia
Transfer of Australian Dollars in Australia that on receipt becomes available to the recipient via SWIFT electronic payments.
No fee - Swift, Telegraphic & Electronic Transfer
SWIFT electronic payment or inward telegraphic transfer to us from another financial institution.
No fee - Telegraphic Transfer (Inward)
Applies when you receive a telegraphic transfer into your account from another party sent in a foreign currency. Fee is charged at the time the transfer is received.
$7.50 - Telegraphic Transfer Outward (Australian dollars)
Applies when you request us to make an overseas telegraphic transfer to another party in Australian dollars. Fee is charged at the time the transfer is requested.
$45 - Telegraphic Transfer Outward (foreign currency)
applies when you request us to make a telegraphic transfer to another party in a foreign currency. Fee is charged at the time the transfer is requested.
$30 - Transfers between your account
Free
No fee - Transfers to another MyState customer
completed by a Branch or Customer Care staff member
No fee - Visa Debit Card Cash Advance
Cash advances overseas may incur Third Party charges
No fee
When particular things happen7
- BPAY Query and Correction Fee
This fee is charged when you request a trace or a correction of a BPAY transaction.
$15 - Certificates Supplied
This fee is charged when a certified letter or statement is required.
$10 - Overdrawn Account Interest
Basic Account is exempt
No fee - Overdrawn Fee
Basic Account exempt
No fee - Stop Payment
This fee applies if we receive a request to stop a payment. It includes but not limited to direct debits, periodical payments and BPay future payments.
$30 - Transaction Trace Fee
Per Transaction or Trace Search
$15 - Transaction Verification Fee, Copy of Sales Voucher
Charged when we are requested to investigate a transaction or a copy of the sales voucher is requested. The fee will not be charged if we find that the transaction is incorrect
$15
Other fees1
- Visa Overseas Emergency Cash Advance
Third party charge unascertainable until event occurs
Varies
Features
Eligibility and limits
- Minimum age 13
- Residency: Australian Resident
- Available to individuals
- To open an account, you need to be at least 13 years old, have an Australian residential address and hold a current Commonwealth Seniors Health Card, Health Care Card, DVA Health Card or Pensioner Co…
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Published by MyState Bank under the Consumer Data Right, last changed by them on 18 June 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.