BCU Access account

The BCU Access account is an everyday banking product with no account keeping fees.

The account is BCU's premium everyday banking product linked with Visa debit card and comes with cheque book and BPAY facilities. Customers have unlimited access to their funds via the linked Visa Debit card, Internet, mobile and in-branch banking.


Account keeping fee


ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameBCU Access
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International transaction fee3.65%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung 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

This account has no monthly account fees to worry about, and there are no ongoing deposit conditions to meet either. This could be suited to you if you like to make transactions in a branch, as you can make unlimited withdrawals or deposits in a BCU branch for free. Some other transaction accounts charge a fee for in branch transactions. If you don’t live near a BCU branch you can also make cash deposits at the post office using Bank@Post, but there will be a transaction fee.

Something to be aware of with this account is the international transaction fee of 3.65%. This is quite high compared to other transaction accounts, and some transaction accounts don’t charge this fee at all. So keep this in mind if you plan to use the account to make purchases overseas or online from international retailers.

Key features

No monthly account keeping fee

There's no monthly account keeping fee to pay with this account.

No minimum deposit

There is no minimum required to open an Access account.

How to apply

What you'll need to know before applyingCustomers can apply online by clicking on "Join us" on the top right of the BCU website landing page and then "Apply now".
If you prefer to open your account in person, you can visit a BCU branch. Here are a few things to be aware of when opening an Access account.


  • Age. Australian residents over the age of 16 years can apply for the Access account.
  • Proof of residence. Applicants must provide proof of an Australian residential address. If you have concerns about how your personal information will be treated, read the Privacy Information Statement for more details. If you change your name, address or contact details, you must inform BCU as soon as possible.

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