Suncorp Bank
Everyday Options Account
An easy, everyday bank account packed with extras to help you spend, save and budget better.
Savings & transaction accountsBank updated 22 Aug 2026
At a glance
- Base rate
- 0.01%
- Monthly fee
- $0
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableStandard Interest on optional sub-accounts calculated daily and paid monthly. No interest is paid when account is operating in offset mode | — | — | — | 0.01% | — | paid every 1 mo |
| VariableStandard Interest on main account calculated daily and paid 6 monthly. . No interest is paid when account is operating in offset mode. | — | — | — | 0.01% | — | paid every 6 mo |
§ 02 — Fees · 22
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Card Replacement | Event | No fee | — | — |
| Copy of personal or bank cheque | Event | $12 | — | — |
| eStatements | Event | No fee | — | — |
| Foreign Currency Bank Draft - trace request or stop payment | Event | $20 | — | — |
| Interest Certificate | Event | $10 | — | previous financial year - per certificate issued |
| Mortgage Offset Fee | Event | $75 | — | Waived with Home Package Plus |
| Physical Security Token | Event | $20 | — | Suncorp Bank Secured App (soft token) available at no cost |
| Record Search/Copy Fee (cheques, records, voucher retrieval) | Event | $70 | — | per hour |
| Request for Audit Certificate | Event | $30 | — | per certificate |
| Stop Payment Request - bank cheques | Event | $15 | — | — |
| Stop payment request - Direct Debit | Event | No fee | — | — |
| Telegraphic Transfers (staff assisted and via Global Payments) recall, amended, trace request | Event | $30 | — | plus other bank's costs |
| Trace/recall of funds request - cheque, electronic payment | Event | $30 | — | — |
| Visa debit card cash advance at non-Suncorp Bank Institution | Event | No fee | — | per $1,000 advanced or part thereof Accessibility Waiver |
| Visa debit cards emergency overseas card replacement | Event | $50 | — | — |
| Non Suncorp Bank ATM withdrawals & enquiries | Other | $0 | — | ATM Operator Fee |
| Account keeping fee | Periodic | No fee | Every 1 mo | No monthly account keeping fees |
| Bank@Post | Transaction | No fee | — | Fee Free - Limits apply |
| Foreign Currency Conversion Fee (Visa Debit Transactions) | Transaction | No fee | — | Suncorp Bank Visa Debit Transactions |
| atmx by Armaguard network ATM withdrawals & enquiries | Withdrawal | No fee | — | — |
| Real Time Gross Settlements (RTGS) - outward | Withdrawal | $35 | — | — |
| Telegraphic Transfers sent - staff assisted | Withdrawal | $30 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsGoogle PayApple PayFeel Good Rewards
- · Pay $0 monthly account keeping fees
- · Offset facility when linked to an eligible Suncorp Bank Home Loan.
- · Pay $0 Foreign Currency Conversion Fees on Visa Debit Card purchases from overseas merchants
- · Pay $0 Visa Debit Cash Advance Fees at non-Suncorp Bank ATMs
- · Misplaced your card? Card lock in mobile banking lets you lock your card while you look for it
- · Flexibility to add up to 9 optional sub-accounts to help you plan and save (no card access on sub-accounts).
- · Don't shop online? Card lock in mobile banking lets you lock your card for online purchases (domestic and international) and online subscriptions
- · Don't travel? Card lock in mobile banking lets you lock your card for overseas instore purchases
- · Pay bills directly from optional sub-accounts at no additional cost.
- · Pay To is available to manage payments from an eligible bank account in Suncorp Bank App
§ 04 — Eligibility & limits
- · Minimum age 11
- · Residency: Account owners must be residents of Australia
- · Available to individuals
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Suncorp Bank under the Consumer Data Right, last changed by them on 22 Aug 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.