Westpac
Community Solutions One
Not-for-profit transaction account. Choose Community Solutions One, our no-fees bank account for charities and other not-for-profits.
Savings & transaction accountsBank updated 3 Sept 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $0
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| PenaltyThe Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted… | — | — | — | 15.01% | — | Currently not applicable |
| Variable | — | — | up to $4,999 | 0.00% | — | paid every 1 mo; Currently not applicable |
| Variable | — | — | $10,000–$19,999 | 0.00% | — | paid every 1 mo; Currently not applicable |
| Variable | — | — | $100,000+ | 0.00% | — | paid every 1 mo; Currently not applicable |
| Variable | — | — | $20,000–$49,999 | 0.00% | — | paid every 1 mo; Currently not applicable |
| Variable | — | — | $5,000–$9,999 | 0.00% | — | paid every 1 mo; Currently not applicable |
| Variable | — | — | $50,000–$99,999 | 0.00% | — | paid every 1 mo; Currently not applicable |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Self-Service (Electronic) Deposits | Deposit | No fee | — | — |
| Staff-Assisted Deposit | Deposit | No fee | — | — |
| Overdrawn Fee | Event | $15 | — | — |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | — |
| Cheques Collected / Deposited | Transaction | No fee | — | Applicable after free monthly transactions are exceeded. |
| Cheques Written | Transaction | No fee | — | — |
| Foreign Transaction Fee - AU merchant | Transaction | 2.20% of transaction | — | 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Proc… |
| Foreign Transaction Fee - non-AU merchant | Transaction | 3.00% of transaction | — | 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac P… |
| Group Telephone Banking | Transaction | No fee | — | — |
| Online Banking | Transaction | No fee | — | — |
| Periodical Payments | Transaction | No fee | — | — |
| Overseas Withdrawal Fee | Withdrawal | $5 | — | Overseas Withdrawal fee from ATMs belonging to institutions in the Global ATM Alliance (An overseas bank surcharge may also apply). Nil for cash withdrawals from Global ATM Alliance and Westpac Group… |
| Self-Service (Electronic) Withdrawals | Withdrawal | No fee | — | — |
| Staff-Assisted Withdrawal | Withdrawal | No fee | — | — |
§ 03 — Features
Digital bankingFraud protectionUnlimited transactions
- · No monthly fees - We?d rather you put the money to good use, supporting your cause.
- · No transaction fees - Includes all online and in-app payments plus in-branch banking
- · Speed and convenience - 24/7 banking through Online Banking and the Westpac App2
- · Receive payments near instantly via OSKO
- · Simplify your accounting by linking Xero, MYOB and others with bank feeds
- · Make and receive secure payments via PayID
- · Use a business debit card5 for cash and purchases
- · With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
- · Eligible account for the EFTPOS Air App
- · Deposit, receive and access funds, and make payments through a variety of banking channels including in branch, online, telephone banking and debit card
- · Complement your everyday account with a Community Solutions Cash Reserve savings account
- · Authorise and manage payments from your bank account with PayTo�.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Operating with an Australian address
- · Not-for-profit organisations including charities, community and sporting groups, schools, government bodies, and registered political parties
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Westpac under the Consumer Data Right, last changed by them on 3 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.