The CapricornianPension Access Account
The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.
At a glance
- Base rate
- 0.10%
- Monthly fee
- $6
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 0.10% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 52nd highest of 61, level with 3 others |
Rates
Every rate The Capricornian publishes for this account, 3 in all.
| 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 | 0.45% | - | paid every 1 mo; Must be age over 65 and earning a pension to have this account. |
| Variable | - | - | $50,000+ | 0.60% | - | paid every 1 mo; Must be age over 65 and earning a pension to have this account. |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, $10,000–$50,000 | 0.20% | 0.45% | up 0.25 |
| 9 Oct 2026 | Variable, $50,000+ | 0.35% | 0.60% | up 0.25 |
Each change is logged the night it appears in the rates The Capricornian publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
While you hold it1
- Account Service Fee
Account service fee exempt on first account, $6.00 per month subsequent accounts Account service fee exempt on first account
$6 a month
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 - EFTPOS Including declined transactions$0.70
- International Transaction Fee Over The Counter
Transaction Fee charged at the result of sending an International Transfer via a staff assisted channel.
$30 - International Transaction Fee via Online Banking
Transaction Fee charged at the resulting of sending an International Transfer via Online Banking.
$20 - Visa Debit Cash Advance
Where credit option is selected for cash/cash and purchase transaction
$0.70
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
Features
- 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…
Eligibility and 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
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Published by The Capricornian under the Consumer Data Right, last changed by them on 9 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.