The CapricornianPersonal 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.
At a glance
- Base rate
- 0.00%
- Monthly fee
- $6
Rates
The one rate The Capricornian publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 0.00% | - | paid every 1 mo |
Fees
9 fees published, grouped by when they're charged.
While you hold it2
- Account Service Fee
Minimum Deposit/Lending balance of $20,000 held within membership Currently hold a Variable Rate Offset Home Loan.
$6 a month - Card Fee
Card Fee
$6 every 3 months
When you make a transaction5
- Foreign Currency Conversion Fees
Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA.
3.00% of transaction - Visa Debit Cash Advance
Where credit option is selected for cash/cash and purchase transaction
$0.70 - EFTPOS incl declined transactions$0.70
- International Transaction Fee Over The Counter
Transaction Fee charged at the result of sending an International Transfer whilst assisted by staff.
$30 - International Transaction Fee via Online Banking
Transaction Fee charged at the result of sending an International Transfer whilst conducting it via Online Banking
$20
If a payment is late or fails1
- Dishonour Fee
Where there is not enough money in the account to pay a direct debit that the customer has setup.
$15
When particular things happen1
- Honour Fee
An honour fee will apply if a Direct Debit Overdraws your account or is paid against uncleared funds.
$20
Features
Eligibility and 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
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Published by The Capricornian under the Consumer Data Right, last changed by them on 22 Oct 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.