Pension Plus

Specifically designed for full pension card holders. An everyday account for everyday access with a tiered interest rate. Sub accounts available for budgeting. No monthly account keeping fee.

Savings & transaction accountsBank updated 13 Apr 2026

Apply at Northern Inland Credit Union Limited ↗Product page ↗Fees & pricing ↗Terms ↗

At a glance

Base rate: 0.05%

§ 01 — Rates · 5

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	—	—	—	15.75%	—	—
Variable	—	—	up to $10,000	0.05%	—	paid every 1 mo
Variable	—	—	$10,000–$50,000	1.20%	—	paid every 1 mo
Variable	—	—	$250,000+	2.10%	—	paid every 1 mo
Variable	—	—	$50,000–$250,000	1.75%	—	paid every 1 mo

§ 02 — Fees · 13

Fee	Type	Amount	When	Notes
ALERTS	Event	$0.25	—	First 8 free
ATM_DECLINED_TRANSACTION	Event	$2.50	—	This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.
BANK_CONFIRMATION	Event	$30	—	—
DIRECT_DEBIT_DISHONOUR-REINSTATEMENT	Event	$12.50	—	—
HONOURING_DIRECT_DEBIT	Event	$10	—	—
OTHER_DOCUMENTS	Event	$50	—	Per Hour
RETRIEVAL_OF_ELECTRONIC_DOCUMENTS	Event	$1.50	—	Per Page
TRACE_FEE	Event	$28	—	Refunded if Credit Union is at fault.
BANK@POST_TRANS	Transaction	$4	—	First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.
IN_BRANCH_TRANSACTION	Transaction	$2.50	—	This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.
SWIFT_FEE_INBOUND	Transaction	$11	—	Applicable when deposit/credit made to your account via the SWIFT system
SWIFT_FEE_OUTBOUND	Transaction	$25	—	Applicable when a payment is sent from your account via the SWIFT system
VISA_ATM_WITHDRAWAL_OVERSEAS	Transaction	$2	—	—

§ 03 — Features

Instant paymentsPayIDDigital bankingApple PayGoogle Pay

§ 04 — Eligibility & limits

· Residency: AU

§ 05 — Compare

All savings & transaction accounts →Other Northern Inland Credit Union Limited savings & transaction accounts Everything Northern Inland Credit Union Limited publishes

§ 06 — Run the numbers

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Compound interest

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Published by Northern Inland Credit Union Limited 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.