UniBank
Everyday Direct account
Your everyday transaction account with VISA Debit access.
Savings & transaction accountsBank updated 9 Sept 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $5
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe overdraft (RediCredit) interest rate that applies to any overdrawn amounts. | — | — | — | 12.64% | — | — |
| Variable | — | — | up to $10,000 | 0.00% | — | paid every 1 mo |
| Variable | — | — | $10,000–$20,000 | 0.00% | — | paid every 1 mo |
| Variable | — | — | $20,000–$50,000 | 0.00% | — | paid every 1 mo |
| Variable | — | — | $50,000+ | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CASH_ADVANCES_FEE | Cash advance | $4 | — | Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). |
| TELE_TRANSFER | Event | $13 | — | Tele transfer within Australia to an account at another financial institution. |
| BUSINESS_ACCOUNT_MONTHLY_ACCOUNT_KEEPING_FEE | Periodic | $5 | Every 1 mo | Monthly account keeping fee charged on the 25th of each month for non-individual members; and individual and non-individual customers. |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4 | — | — |
| INTERNATIONAL_CONVERSION_FEE | Transaction | 2.90% of transaction | — | 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using yo… |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsOverdraftApple PayGoogle PaySamsung Pay
- · Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
- · Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
§ 05 — Compare
§ 06 — Run the numbers
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Published by UniBank under the Consumer Data Right, last changed by them on 9 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.