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Bank Australia Everyday Access Account

An account for your day-to-day spending, with fee-free access to more than 3,000 ATMs across Australia.

Bank Australia is a member-owned financial institution providing you with banking products and services that are very similar to the big banks. The Everyday Access Account offers a flexible and low-cost bank account – a simple solution for everyday spending. To avoid the monthly account keeping fee, you'll need to deposit at least $2,000 per month or be under 25 years old.


Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameBank Australia Everyday Access Account
Monthly account fee$5
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$3.50 + 3%
International transaction fee3%
Monthly deposit required to waive account fee$2,000
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

You can get the $5 monthly fee waived each month you deposit at least $2,000. For this reason, the account could be better suited to customers planning to get their regular salary or wages paid into the account. Customers under 25 will get the monthly fee waived without having to meet the monthly deposit condition.

If you live outside of a major city, there may not be many Bank Australia branches near you. So keep this in mind if you’re looking for a bank account with easy branch access. However, you can make free cash withdrawals and deposits at any Australia Post store via Bank@Post.

Key features

$0 Monthly account keeping fees if you deposit at least $2,000

There is a $5 monthly account keeping fee charged to your account that is waived when you make external deposits of $2,000 or more. This fee is also waived for account holders under the age of 25 or those who have a combined total of at least $50,000 in loans, savings and investments with Bank Australia.

Can I still spend the $2,000 after I've deposited it?

Yes – after you've deposited the amount for the month, you can spend it and still take advantage of the waived monthly fee.

Compare other Bank Australia savings and everyday accounts here

How to apply

If you've compared your options and decided this account is right for you, you can apply online in less than 10 minutes. Make sure you meet the eligibility criteria and have the necessary documents handy.


  • Minimum age. Only individuals aged 18 or older are able to complete the online application.
  • Residency requirements. In order to become a member of Bank Australia and open an account with them you must be an Australian resident with a residential address in the country.

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