BankVic Ezepac S20/21

BankVic Ezepac S20/21

Maximum Variable Rate


Standard Variable Rate


Ezepac combines all your everyday banking needs so that you can easily make manage your spending and savings in one place.

  • Earning a competitive interest rate
  • Enjoy two accounts in one
  • Everyday transaction account

Product details

BankVic’s Ezepac is two accounts in one, seamlessly linking your savings and transactions accounts together. The S20 account takes care of your everyday financial needs by providing you with easy access to your cash, while the S21 holds onto your spare funds and pays you interest on the balance every month. You also have the opportunity to earn even more money when you meet certain terms and conditions each month.

Product Name
BankVic Ezepac S20/21
Maximum Variable Rate
1.90% p.a.
Standard Variable Rate
1.70% p.a.
Bonus Variable Rate
0.20% p.a.
Introductory / Bonus Offer Conditions
The BankVic Ezepac Account pays a bonus interest rates of 0.20% in addition to the current base interest rate of 1.70% if you don't make any withdrawals in a month.
Monthly Fee
Minimum Opening Deposit
Internet Banking
Internet Transaction Fee
Phone Banking
Phone Transaction Fee
Minimum Age Requirement
Maximum Age Requirement

What are the features of the BankVic Ezepac S20/S21?

Consider these features carefully to decide if the BankVic Ezepac account is right for you.

$0 Monthly service fee

There is no account service fee for the Ezepac S20/21.

A range of available transactions

With the Ezepac transactions account, you can bank online, over the phone or at a branch. You can also make ATM and EFTPOS transactions.

Linked Visa debit card

Your transaction account will be linked to a Visa debit card which can be used to make ATM withdrawals and EFTPOS or online purchases.

$0 ATM transaction fees for withdrawals over $100

All withdrawals of $100 or more are free of charged. If you do incur an ATM operator fee, BankVic will refund the money back into your account at the end of the billing cycle. For withdrawals under $100, you will be charged $1.80 per transaction when using Westpac, Bank of Melbourne, St.George and BankSA ATMs. Other operating charges will apply when using an ATM outside of this network.

Visa cash advance withdrawals

You are permitted four Visa cash advance withdrawals per month for free. Once you reach this limit you will be charged a $4 fee per transaction. This includes any withdrawals made using an ATM overseas.

Cheque withdrawal fees

You are charged $1 for each cheque withdrawal from the account.

Other fees

Phone assisted withdrawals are charged $2 per transaction. You are permitted up to four free over the counter withdrawals before you will be charged $2 per each one.

Under 18s don't pay transaction fees

All account holders under the age of 18 will be exempt from any transaction fees.

You receive interest on this transaction account

Balances of up to $5,000,000 will receive a competitive interest rate. For those above this margin the interest rate will drop slightly. Interest is calculated on the daily balance and will be paid into the account each monthly. For months where no withdrawals are made from the Ezepac savings account you will earn bonus interest added to the base rate. You can compare other BankVIC products and services here.


  • No monthly account fees
  • Electronic transfers


  • 3.65% international transaction fees apply
  • $4 overseas ATM withdrawal fee

What you’ll need to know before applying

You can apply for the Ezepac S20/S21 by visiting a branch, calling BankVic or by visiting their website to complete an online application. If you are not already a member of BankVic you will need to apply for your membership first.

This mutual bank is exclusive to those working in the police force health care, emergency assistance or public service industries. You can also apply if you are related to an individual in one of these industries or if you live within 5 kilometres of a BankVic branch. Other eligibility requirements to consider before applying for this account include:

Eligibility to apply online

Other eligibility requirements to consider before applying for this account include:

  • Minimum age. This account is available to members of any age.
  • Residency requirements. Only Australian residents are permitted to apply for the Ezepac accounts.
  • Depository requirements. There is no minimum deposit required to open the account, but if you are also applying for membership you will have to buy ten member shares at $1 each.

Documentation to apply online

If you meet these requirements, you can proceed with the application. Make sure you also have the following documentation readily available:

  • Tax file number. Your tax file number (TFN) is used to ensure that withholding tax is being applied to your interest earnings at the correct rate.
  • Identification. If applying for membership to BankVic you will be asked for information found on your driver’s licence or passport.

It is important to note that while these are two separate accounts, you must hold both of them at the same time. They will be linked together so that you can easily transfer money from one account to the other.

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