Compare Transaction Accounts & Bank Accounts - Best Find

Transaction Accounts

Auswide Bank
$0.00
$0.00
0.00%
$0.00

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Visa Debit Card

A pay as you go banking product with no monthly fee, for people who have limited banking needs.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of27/3/2017

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Statement Savings Account

Enjoy fee-free access to your cash when you transact over the counter in store, via online or phone banking, or through our extensive network of Bankwest and CommBank ATMs.

Overview

Annual interest rate1.80%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions12

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility No

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Premium Cash Management Account

An all-in-one package that offers you the convenience of a transaction account for your everyday banking, and a savings account with a competitive interest rate.needs.

Overview

Annual interest rate0.25%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions5

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl fee$1.25

Overdrawn fee$0.00

Overseas ATM withdrawl fee3% of value of withdrawal purchase

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application No

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access TBA

Pay using Apple PayYes

Pay using Android PayYes

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Military Rewards Account

Earn Qantas Points on eligible purchases to get you closer to your travel dreams

Overview

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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B&E Personal Banking
$6.00
$0.00
0.00%
$0.00

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iAdvantage

Our most convenient transaction account lets you easily manage your money.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$6.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 21

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of27/3/2017

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Everyday Advantage

An everyday access product with a low monthly fee, designed for people who want flexibility to bank without access restrictions.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility No

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of27/3/2017

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Auswide Bank
$0.00
$0.00
0.00%
$0.00

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Everyday Access

a quick, secure and easy way of receiving your statements. Customers who opt to receive a paper statement from this date may be charged. Existing accounts will be progressively switched to eStatements from this date

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeNo

Currency conversion feeNo

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access Yes

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of27/3/2017

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AMP Bank
$0.00
$0.00
1.50%
$0.00

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Cash Manager

Enjoy free ATM withdrawals Australia-wide when you deposit a minimum of $1,000 per month into your Anywhere accountneeds.

Overview

Annual interest rate1.50%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access Yes

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Cash Management Account

Earn points and treat yourself with your choice of thousands of gifts from Woolworths or Caltex vouchers, to flights, food and wine, iTunes vouchers, kids toys, electronics and sporting equipment - there is something for everyone. To have a look at the huge range of gifts on offer

Overview

Annual interest rate0.05%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$5.00

Fee free deposit amount$0.00

Number of free transactions12

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.60

Branch withdrawl feeNone

Overdrawn fee$0.00

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Auswide Bank
$0.00
$0.00
0.00%
$0.00

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Cash Management

Education experts say that kids learn best about money between the ages of 8 to 12, so we’ve designed this account especially for the under 15s.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions28

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessYes

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of27/3/2017

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ANZ Pensioner Access Advantage

The Lite Direct Account is ideal for customers who don't transact in store but are rather online savvy. Save some cash with a low monthly fee

Overview

Annual interest rate2.00%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl fee$1.25

Overdrawn fee$0.00

Overseas ATM withdrawl fee3% of value of withdrawal purchase

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application No

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access TBA

Pay using Apple PayYes

Pay using Android PayYes

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Access Savings S1

a quick, secure and easy way of receiving your statements

Overview

Annual interest rate0.01%

Interest calculated Monthly

Interest paid Monthly

Fees and Charges

Monthly account fees$3.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$3.00

Branch withdrawl fee$2.50

Overdrawn feeTBA

Overseas ATM withdrawl fee$5.00

Currency conversion fee$3.00

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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Access Advantage

Access your money, your way, with no monthly account fees!needs.

Overview

Annual interest rate0.02%

Interest calculated Daily

Interest paid Monthly

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl fee$1.25

Overdrawn fee$0.00

Overseas ATM withdrawl fee3% of value of withdrawal purchase

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application No

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access TBA

Pay using Apple PayYes

Pay using Android PayYes

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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AMP Bank
$0.00
$0.00
0.00%
$0.00

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Access Account

With no minimum balance and generous transaction benefits, the Multipack makes everyday banking easy.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access Yes

Pay using Apple PayNo

Pay using Android PayNo

BPAY

Other

Sponsored Yes

Data accurate as of26/3/2017

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People's Choice Credit Union
$0.00
$0.00
0.00%
$0.00

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Zip Account

A $0 transaction account with a free Visa Debit card for all your everyday banking.

Overview

Annual interest rate0.00%

Interest calculated none

Interest paid none

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

Features

Credit debit cardYes

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access TBA

Pay using Apple PayYes

Pay using Android PayYes

BPAY

Other

Sponsored No

Data accurate as of29/3/2017

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Tip for when comparing transaction accounts

A transaction account is an account through a financial institution where you can deposit income and withdraw money in a variety of ways. The best transaction account for you is the account that helps you manage your finances without unnecessary fees and easy availability and access to your money when you need it.

You will need a transaction account to access the following types of services:

  • Debit card
  • Electronic or online payments
  • Google Wallet, Samsung Pay, or Apple Pay.
  • ATMs
  • Direct debit
  • BPAY
  • Cheques

What are key features to compare between transaction accounts?

Not all bank accounts are made equal. Depending on your spending style, some banks and credit unions might offer features that fit your needs best.

  • Linked to your savings account. If you open a transaction account with the same bank as your savings account, you can easily transfer and access money between the two accounts.
  • Monthly fees. There any many banks accounts with $0 monthly fees, however, this usually comes at cost such as limited branch access, limited fee free transactions, etc.
  • Other fees. Banks can also charge fees for a range of reasons.
  • Overseas transaction fee. If you’re a frequent traveller, you may wish to avoid banks that charge high conversion fees for using your debit card overseas
  • ATM fees. Banks will usually waive ATM fees from their network of ATMs
  • EFTPOS transaction fee. Some banks will charge for EFTPOS payments over a specified threshold
  • Branch assistance fee. Prefer that personal service? Be aware that some banks will charge for in-person assistance at their branch. Mobile banking is a good option for avoiding these fees
  • Excess transaction fee. If you’re a frequent spender, accounts with a limit on the number of transactions you can make a month could charge you fees. If you you’re regular spender or need regular access to branches, you may wish to look into accounts for high frequency users or conversely accounts for infrequent users
  • Account overdrawn fee. If you overspend the money on your account, you could be charge a fee
  • While not technically fees, using services like payWave or PayPass for charges under $100 often have surcharges associated with them. To avoid these, insert the card and choose the ‘Savings’ or ‘Cheque’ option instead during payment
  • High interest rate. Some bank accounts will offer a higher interest rate so you can earn interest on the money deposited in your account, but look out for honeymoon rates that are too good to be true that revert to a base rate after a few months
  • Mobile banking. If you want to do your business online instead of heading to a branch location, financial institutions that offer mobile banking are a desirable choice
  • High density of ATMs. A financial institution might be the right fit for you in every other way, but if you’re constantly heading out of your way to access your money, it might not be a good fit
  • Easy overseas accessibility. Some financial institutions are global, which can make accessing your money overseas easy
  • Good customer service. When something goes wrong and your money is on the line, you want to know that your bank will handle the situation quickly and responsively
  • Senior banking. If you’re over 55, you can enjoy unlimited access to ATM withdrawals, internet and phone banking, reduced or waives fees, and more
  • Kids / Students / Youth. Some financial institutions offer transaction accounts specifically for students and young adults
  • Foreigners /457 visa holders. Not all banks accounts are accessible to visitors who may staying in Australia temporary

What else should I consider when comparing bank accounts?

When choosing a bank account, many factors come into play including spending style, location, future financial goals, comfort with technology, and general preference.

You should consider how you like to deposit, spend, and save money. You should consider whether there’s a branch location near where you live as well as ATMs in your area for easy access. Ask yourself whether you’re comfortable banking online or if you’d prefer to do your business in person at a branch location. Finally, consider your goals and where your wish to be in your financial life in the future. Choosing a bank that offers good mortgages, savings accounts, and other financial products in anticipation of the future can be an effective way to create a strong relationship with your bank.


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