The Finance Algorithm
Queensland Country Bank logoQueensland Country Bank

Learners & Earners All Access

An everyday banking solution for young people undertaking full-time studies or an apprenticeship

Savings & transaction accountsBank updated 23 Sept 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.00%
Monthly fee
$0
Brisbane Heat Debit Card

Rates

Every rate Queensland Country Bank publishes for this account, 2 in all.

TypeApplies toTermBandRateComparisonConditions
Variable--up to $5,0000.00%-paid every 1 mo
Variable--$5,000+0.01%-paid every 1 mo

Fees

11 fees published, grouped by when they're charged.

While you hold it1

  • Monthly Account Fee
    No fee

When you make a transaction1

  • Overseas Purchase Fee
    3.65% of transaction

If a payment is late or fails1

  • Dishonour Insuff. Funds
    $8

When particular things happen7

  • DE Mistaken Payment Return Req
    $50
  • Direct Entry Recall of Funds

    Applies to Direct Debit, Direct Credit and OSKO payments

    $40
  • Disputed Transaction Fee
    $35
  • Dormant Account Fee
    $15
  • Honour Charge
    $8
  • RTGS Payment Received Fee
    $7.20
  • Transaction Investigation Fee
    $15

Other fees1

  • Transaction Fees

    Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges

    Varies

Features

Instant paymentsPayIDDigital bankingAPPLE PAYGOOGLE PAYSAMSUNG PAY

Eligibility and limits

  • Minimum age 18
  • Maximum age 23
  • Available to individuals

Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 23 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.