What’s in it for me? Smarter, simpler, faster.
Ditch the fees.
More cash for the good stuff with $0 monthly fee (no minimum deposit), $0 fees for card transactions in Australia and $0 dishonour fees.
Fast, easy and secure.
Tap and go with your VISA payWave Debit Card, Apple Pay, Google Pay or Samsung Pay.
Money in an instant.
Send and receive money instantly^ between eligible accounts. Use your mobile number or email as your PayID!
What are the fees?
We’ve got rid of many of those annoying ‘everyday’ fees others charge. It’s all part of the other way to bank.
| Fees that don’t apply | |
| Monthly account Fee | Free |
| Osko/Transfer Fee | Free |
| PayID Fee | Free |
| Eftpos Fee | Free |
| BPay Fee | Free |
| RediATM Fee | Free |
| Direct Debit Fee | Free |
| Dishonour Fee | Free |
| Overdrawn Account Fee | Free |
| Branch Withdrawal and Deposit Fee | Free | Declined Transaction Fee | Free |
| Replacement Card Fee | Free |
| Overseas ATM Withdrawal Fee | Free |
| . | |
| Fees that apply | |
| TEXT ME! Fee | $0.26 |
| Foreign Currency Conversion Fee | 3% of transaction value |
| SWIFT & foreign exchange related Fees | See fees and charges guide |
Open your account today in less than 5 minutes.
Set up is easy.
Faster Payments with Osko and PayID.
- Faster
Send and receive money instantly^ between eligible accounts - Simpler
With PayID, use your mobile number or email address instead of BSB and account number* - Smarter
Personalise payment messages with up to 280 characters, including emojis - Safe
With PayID, receive confirmation payments are going to the right person.
Awarded for outstanding internet and mobile banking.
We’re always making internet and mobile banking easier, simpler and more convenient and we can prove it! We’ve been named Canstar’s Customer Owned Institution of the Year for Mobile & Online Banking for the second year in a row.
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 Guide, Product 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. Products and services are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143 AFSL/ Australian Credit Licence 237 856.
^Faster transfers available between participating banks, a full list of participating banks is available here.
*Before acquiring the product, you should consider if it is right for you. For full terms, conditions, fees and charges please view our Financial Services Guide, Product Guide and Fees and Charges Guide. These guides are available upon request, can be viewed on our website and will be provided at the time of acquiring the product. Faster transfers available between participating banks, a full list of participating banks is available here.
