RAMS Action Everyday Account

A simple online transaction account with no fees could be all you need to keep up with your finances.

The RAMS Action Account is an easy-to-manage transaction account that is accessible online. This simple account has BPAY, pay-anyone transfers and direct debit to keep up with your monthly expenses. If you opt to link a debit card, you can also access cash for free using one of the largest ATM networks in Australia and make EFTPOS purchases straight out of your account.


Account keeping fee


ATM withdrawal fee

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Product NameRAMS Action Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
Monthly deposit required to waive account feeN/A
Contactless PaymentsN/A

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

This account comes with unlimited, free transactions as part of the RAMS ATM alliance, EFTPOS, online and direct debits.

Key features

Monthly maintenance fee

There are no monthly charges applied to your account.

Balance requirements

RAMS does not require that you maintain any minimum balance.

How to apply


If you like the convenience and simplicity of this online account, you can begin your application by visiting RAMS website. There will be some eligibility requirements that RAMS will verify before the account can be issued:

  • Minimum age. The minimum age allowed for an account holder is 18.
  • Residency requirements. You must be an Australian resident for tax purposes with a verifiable residential address in Australia.


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    Default Gravatar
    September 7, 2016

    What are the cost using the RAMS visa debit card overseas, like currency conversion fees, transaction fees etc.?

      Avatarfinder Customer Care
      September 7, 2016

      Hi Maik,

      Thanks for your question.

      You can use RAMS Action Everyday Account overseas to withdraw from an ATM with a Cirrus logo. This will attract a $5 fee for each transaction.


      Default Gravatar
      September 8, 2016

      Hi, can you please also tell me the currency conversion fees and transaction fees etc.with the RAMS Visa debit card?

      Avatarfinder Customer Care
      September 13, 2016

      Hi Maik,

      Thanks for your question.

      The currency conversion rate is set by VISA and forums suggest it is around 3% of the transaction.


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