The Capricornian
Personal Access Account
Easy access to your banking, every day. With the features you need, this is a simple and versatile account to use and move your money.
Savings & transaction accountsBank updated 7 Sept 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $6
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $15 | — | Where there is not enough money in the account to pay a direct debit that the customer has setup. |
| Account Service Fee | Periodic | $6 | Every 1 mo | Minimum Deposit/Lending balance of $20,000 held within membership Currently hold a Variable Rate Offset Home Loan. |
| Card Fee | Periodic | $6 | Every 3 mo | Card Fee |
| Foreign Currency Conversion Fees | Transaction | 3.00% of transaction | — | Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA. |
| Visa Debit Cash Advance | Transaction | $0.70 | — | Where credit option is selected for cash/cash and purchase transaction |
| EFTPOS incl declined transactions | Withdrawal | $0.70 | — | — |
| International Transaction Fee Over The Counter | Withdrawal | $30 | — | Transaction Fee charged at the result of sending an International Transfer whilst assisted by staff. |
| International Transaction Fee via Online Banking | Withdrawal | $20 | — | Transaction Fee charged at the result of sending an International Transfer whilst conducting it via Online Banking |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple PayGoogle Pay
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia
- · You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
§ 05 — Compare
§ 06 — Run the numbers
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Published by The Capricornian under the Consumer Data Right, last changed by them on 7 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.