The CapricornianStudent Access Account
The Student Access Account is designed to provide support to those aged 17-25 years who are studying at University or undergoing a traineeship/apprenticeship. The account provides full branch access for deposits, withdrawals or counter cheques as well as Visa Debit access.
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
Account service fee exempt on first account, $6.00 per month subsequent accounts. Account service fee exempt on first account
$6 a month - Account Service Fee
Account service fee exempt on first account, $6.00 per month subsequent accounts.
$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 the processing of an International Transaction - staff assisted.
$30 - International Transaction Fee via Internet Banking
Transaction fee charged at the result of the processing of an international transaction via Internet Banking.
$20 - Visa Debit Cash Advance
Where credit option is selected for cash, or cash and purchase transactions
$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
When particular things happen1
- Honour Fee
An honour fee will apply when a Direct Debit overdraws your account or is paid against uncleared funds.
$20
Features
- Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
Eligibility and limits
- Minimum age 17
- Maximum age 26
- 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.