86 400 Spend account review

An everyday bank account with no account-keeping fees and with smart spending tools and features.

When you open an 86 400 Spend account, you can also link your existing bank account or accounts and see all your transactions in the one place in the 86 400 app. You'll  receive reminders for upcoming bills, and the app will automatically group all your transactions into different spending categories. 


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product Name86 400 Spend Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

86 400 is a digital bank that operates entirely via a mobile app. Its Spend account acts as an everyday transaction account for day-to-day spending, with no account keeping fees. The banking app is what makes this account quite unique in comparison to other Australian bank accounts.

Within the 86 400 app you can link your existing transaction accounts to your 86 400 account, and see all your transactions from multiple accounts in the app. The app will also scan your past transaction history (even though these transactions may be from other transaction accounts with different banks) and detect any regular payments or bills you have, and let you know when you’ve got one coming up.

You can use 10,000+ ATMs in Australia for free, but when using overseas ATMs you'll likely be charged a fee by the ATM operator (this will be displayed on the screen). There are no international transaction fees charged, which is great if you use your debit card overseas a lot.

Remember this is a completely digital bank, so there’s no bank branches and no desktop banking portal.That being said, the modern app packed full of features to help you manage your money should more than make up for this.
Plus, you can add multiple 86 400 Save accounts to this account in the app and earn a really competitive bonus interest rate on your savings.

Key features

No account-keeping fees

There are no set-up fees and you'll never pay any monthly account-keeping fees. The 86 400 app is free to download.

Quick, easy account sign up

Once you've downloaded the app, the sign-up process to create an 86 400 Spend account takes just a few minutes.

How to apply

To open an 86 400 Spend account, you must be at least 16 years old and an Australian citizen or permanent resident.

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