The Capricornian
Pension Access Account
The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.
Savings & transaction accountsBank updated 7 Sept 2026
At a glance
- Base rate
- 0.10%
- Monthly fee
- $6
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | $1–$10,000 | 0.10% | — | paid every 1 mo; Must be age over 65 and earning a pension to have this account. |
| Variable | — | — | $10,000–$50,000 | 0.20% | — | paid every 1 mo; Must be age over 65 and earning a pension to have this account. |
| Variable | — | — | $50,000+ | 0.35% | — | paid every 1 mo; Must be age over 65 and earning a pension to have this account. |
§ 02 — Fees · 7
| 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 | Account service fee exempt on first account, $6.00 per month subsequent accounts Account service fee exempt on first account |
| Foreign Currency Conversion Fees | Transaction | 3.00% of transaction | — | Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA. |
| EFTPOS Including declined transactions | Withdrawal | $0.70 | — | — |
| International Transaction Fee Over The Counter | Withdrawal | $30 | — | Transaction Fee charged at the result of sending an International Transfer via a staff assisted channel. |
| International Transaction Fee via Online Banking | Withdrawal | $20 | — | Transaction Fee charged at the resulting of sending an International Transfer via Online Banking. |
| Visa Debit Cash Advance | Withdrawal | $0.70 | — | Where credit option is selected for cash/cash and purchase transaction |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple PayGoogle Pay
- · Account sweep available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available bala…
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Available to individuals
- · 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
Put this product through a calculator
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.