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Time for a new bank account? Whether you're looking for a bank account with no account keeping fees, a cashback offer, contactless payment features or the ability to hold multiple currencies, you'll find a bunch of great options here. If you're after a bit of help deciding which account may suit you, see a few of our expert picks above.
There's no single bank account that's best for everyone as all our needs are different - and what's best for you might not be best for someone else.
*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
Most bank accounts are fairly similar. Here are 5 great bank accounts that offer something a bit different:
Consider the following features when researching your options to help you find the best bank account for you.
It's ideal to look for a bank account with no monthly account keeping fees. If there are account fees, ask yourself if there are any extra features with the account to justify the fee.
If there are monthly deposit conditions to meet, make sure it's an amount that you're comfortable with.
If you like to bank in branch, the best bank account for you will likely be one that has branch access as some online banks don't. Or, if you do all your banking on your phone, check that the bank account can be accessed via a good mobile banking app.
If you like to travel regularly, the best bank account for you could be one that doesn't charge overseas ATM fees and international transaction fees.
If you're planning to open a linked savings account with the same bank, it's a good idea to look for one with a competitive interest rate.
Make sure the bank account offers the payment options that you want, for example BPAY, Apple Pay, Google Pay, Samsung Pay, PayID, tap and go with Visa payWave or Mastercard PayPass.
If you use cash and cheques, a bank account with a large ATM network and smart ATMs that accept cash and cheques might be best for you.
The best bank account will usually have some or all of the following features:
Ultimately, the right bank account for you will depend on your personal situation and how you plan to use the account. If you need more help deciding on the best bank account for you, consider the following:
At Finder, we've been comparing bank accounts for more than a decade. Using the product data we've collected, ongoing consumer testing, customer surveys and many (many!) account comparisons, we've assessed accounts based on a few key features that we know you care most about to bring you our picks.
You can see what we've considered when choosing the top pick for each category below.
We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But Finder may receive compensation when you click links on our site. Learn more about how we make money from our partners.
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whats better than ubank ultra. i would particularly like more than one transaction account attached to a savings/investment account, to manage special payments. ubank allows only one.
Hi Melmoth,
The better option would still depend on your requirements as a customer and current circumstances. Although we cannot recommend a specific brand, you could check out the options available on this page: https://www.finder.com.au/bank-accounts. Some of the bank accounts listed specified the number of sub accounts you can link to it. For other brands that did not indicate this, you can visit their websites to check or reach out to them directly.
I hope this helps!
Thanks,
Alison