Retirement Account.


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

Key benefits.

Great rates.

Save more to earn a higher interest rate.

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Keep your cash.

No monthly account-keeping fees.

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Secure access.

Cash access via VISA Debit card.

Convenient access.

Online, on your phone, in branch, or Bank@Post.

Interest rates, fees and charges.

Rates*
$0 - $4,999 0.01% p.a.
$5,000 - $48,599 0.15% p.a.
$48,600 + 0.75% p.a.
Fees that don't apply
Direct Credits Free
Over the counter cash and/or cheque deposits Free
Visa Purchases Free
ATM Withdrawals^ Free
BPAY performed using Internet, Mobile or Telephone Banking Free
Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by BSB and account number Free
Transfers using Mobile Banking Free
Fees that apply
Transaction Fee each
Direct Debits $0.50
Eftpos purchases (with or without cashout) $0.90
Visa purchase with cashout $0.90
Personal cheque withdrawals $1.00
Transfers between accounts with us using Internet Banking or Account Information Line and addressed by a PayID $1.00
Transfers to an account at another financial institution using Internet Banking $1.00
Electronic external periodic or bill payments $1.50
Over the counter cash withdrawals or cheque encashments $2.50
Staff-assisted transfers & BPAY payments~ $2.50
The following transaction fees also apply and are not included in any Monthly Fee Allowance.
Transaction Fee each
Declined ATM, eftpos or Visa Debit transactions:¹ one free per relationship per month then: $0.40
Visa Debit card or rediCARD overseas ATM withdrawals $4.50
Foreign Currency Conversion Fee 3.0% of the value of the transaction
Bank@Post deposits $1.00
Bank@Post withdrawals $3.50

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

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

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

How to apply.

To apply for a Retirement Account contact us.

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.

 When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

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.

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Still have questions?

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

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

Interest rates are current as at 24/11/2020.

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

1 A declined transaction occurs in the following circumstances:

  1. Insufficient funds in the account
  2. Incorrect Personal Identification Number (PIN) entered; or
  3. Number of PIN tries exceeded.

The above information has been prepared without taking account of your objectives, financial situation or need. Before acquiring this product, you should consider its appropriateness for you, having regard to your objectives, financial situation and needs. For full terms, conditions, fees and charges, please review our Financial Services GuideProduct Guide and Fees and Charges Guide. These guides are available on our website and will be provided at the time of acquiring the product. Interest rates are subject to change without notice. 

All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/ Australian Credit Licence 237 856. © 2020

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