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Why Access Assist?

Our Access Assist Account is an everyday ‘at-call’ account that has no Monthly Account Fee and unlimited transactions while also offering a great interest rate2. Designed as a transaction fee-free account for customers who receive an eligible Government Pension or Allowance that is subject to Australian Government Deeming Rules or who are aged 55 years of age or older and are a self-funded retiree, this is a great way to transact fee-free and a secure way to earn interest on your savings at the same time.

Reduced fees

And no monthly account fee

Spend smarter

Loaded with clever new banking tech that shows you where your money goes

Pay your way

With ApplePay, Google Pay™, Samsung Pay and more

No ATM fees

When using one of 10,000 major bank ATMs in Australia

Learn more about your money just by logging in

Your new Everyday Transaction Account now comes with ultra-smart spending tech, so you can access personalised insights about the way you spend in the same place you check your account balance.

  • Spend categorisation & monthly cashflow summaries
  • Direct debit and bill payment reminders
  • Low balance notifications when balance may not cover expected spending
Learn more

Join 93,898+ of our customers who've changed the way they bank

Access Assist Account Interest Rates

Balance Interest rate per annum
$0 - $1,999 0.00%*
$2,000 - $46,599 0.10%**
$46,600+ 0.65%***

* Rate applies to the full balance up to $1,999
** Rate applies to the portion of the balance between $2,000 and $46,599 only
*** Rate applies to the portion of the balance above $46,600 only

Read all our Interest Rates for Personal Deposit Accounts


What fees are associated with a Access Assist Account?

Fees for everyday use
Monthly account fee$0
ATM withdrawalsA fee may be charged by the operator of the ATM$0
BPAY transactions$0
Direct Debit transactions$0
EFTPOS transactions$0
Internet Banking transfers$0
Other fees
Cash advance$0
Deposits via Bank@Post™$0
Withdrawals via Bank@Post™$3
Foreign currency conversionPercentage of the transaction amount3%
Overdrawn accounts & rejected transactions$15
Rejected transfers to external accounts$16.50

Other fees and charges may apply. For more detailed information about the Everyday Transaction Account please see terms and conditions.

Pay it your way

ApplePay, Samsung Pay, Google Pay™, - you name it, the Everyday Transaction Account has it. Plus, you can send and receive money in less than 60 seconds with Osko and PayID, giving you super-fast payment options at home and on the go.

Access Assist Account
Access Assist Account
Access Assist Account
Access Assist Account
Access Assist Account

We're here to help

With over 60 years experience our local staff can help you find what you're looking for.

1 Payments are typically received in under a minute when made between participating financial institutions. PayID is only available for use with the New Payments Platform through participating institutions.

2 It is important to note that the interest rate that is paid on this account is not the same as or aligned to the Australian Government Deeming Rate.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

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