Sydney Mutual Bank Access Savings Account Review |

Sydney Mutual Bank Access Savings Account

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Take advantage of a simple-to-use transaction account that meets all of your everyday needs.

Sydney Mutual Bank Access Savings Account provides you with a variety of convenient ways to get to your money, pay your bills and make direct debit purchases all while earning interest. Manage your account 24 hours a day with internet banking and keep track of all of your spending habits.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameSydney Mutual Bank Access Savings Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
Internatonal ATM Fee$4
International transaction fee2%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Key features

Interest rates

Interest is earned at a nominal rate on balances starting at $20,000. This rate increases when your balance reaches $50,000 or more.

Interest payments

Interest is calculated on your monthly balance and paid to your account once a year.

How to apply


Members of Sydney Mutual Bank can apply for the Access Savings Account through their online banking platform. If you are not already a member of Sydney Mutual Bank you can apply online. This will bring you to a secure application page, but before getting started check that you are able to meet the eligibility requirements:

  • Minimum age. In order to complete an application online you must be at least 18 years of age. If you are under the age of 18 you are still eligible to apply but must do so by visiting a branch or calling.
  • Residency requirements. Permanent residents and Australian citizens are eligible to become Sydney Mutual Bank members and apply for the Access Savings Account.

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