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For and with you
Bank & Save

Retirement Account.

Perfect to help you keep saving while looking after your everyday banking.

Who can apply?

A Beyond Bank Retirement Account is available to individuals for non-business purposes who receive a superannuation pension, are a self-funded retiree, are an age pensioner, or receive the Mature Age Allowance.

Key benefits.

Keep your cash
No monthly account-keeping fees.
Great rates
Save more to earn a higher interest rate.
Secure access
Cash access via Visa Debit card.
Convenient access
Online, on your phone, in branch, or Bank@Post.
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Retirement planning that goes beyond.

At Beyond Bank, it's important that you feel informed and supported when you're looking to retire. We can assist you to make the most of your retirement with a tailored plan that works for you. Let us help you to maximise any eligible payments, minimise your tax obligations, and build your superannuation funds.

Interest rates.

Retirement AccountRate p.a.
$0 - $4,9991.25% p.a.
$5,000 - $48,5991.45% p.a.
$48,600-plus1.90% p.a.

Interest is calculated daily on portions of the balance within each tier. Interest is paid on the last day of each month.

Fees and charges.

Fees that don't apply

Direct Credits


Over the counter cash and/or cheque deposits


Visa Purchases


ATM Withdrawals^


BPAY performed using Internet, Mobile or Telephone Banking


Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by BSB and account number


Transfers using Mobile Banking


PayTo payments using Mobile Banking


^Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.

Fees that apply which are included in Monthly Fee Allowance


Fee each

Direct Debits


Eftpos purchases (with or without cashout)


Visa purchase with cashout


Transfers between accounts with us using Internet Banking or Account Information Line and addressed by a PayID


Transfers to an account at another financial institution using Internet Banking


Electronic external periodic or bill payments


Staff-assisted transfers & BPAY payments~


PayTo payments using Internet Banking


~Customers over the age of 70 years and transfers to Beyond Bank term deposits are exempt.

The following transaction fees also apply and are not included in any Monthly Fee Allowance


Fee each

Declined ATM, eftpos or Visa Debit transactions:¹ one free per relationship per month then:


Visa Debit card overseas ATM withdrawals


International Transaction Fee²

3.0% of the value of the transaction

Bank@Post deposits


Bank@Post withdrawals


View our Fees and Charges Guide for the full details of other transaction and service fees that may apply. 

Other great accounts you may like.

Still have questions?

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