Compare Transaction Accounts & Bank Accounts - Best Find

Compare Transaction Accounts

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ANZ
$0.00
$0.00
0.25%

Premium Cash Management Account

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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.

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

GO TO ANZ

Earn Interest

Annual interest rate0.25%

Interest calculated Daily

Interest paid Monthly

GO TO ANZ

Miscellaneous

Base rebateTBA

Online application No

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO ANZ

Features

Card typeTBA

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 Yes

GO TO ANZ

Other

Sponsored Yes

Data accurate as of26/3/2017

GO TO ANZ

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

Zip Account

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

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

GO TO People's Choice Credit Union

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO People's Choice Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO People's Choice Credit Union

Features

Card typeTBA

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 Yes

GO TO People's Choice Credit Union

Other

Sponsored No

Data accurate as of29/3/2017

GO TO People's Choice Credit Union

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Regional Australia Bank
$0.00
$0.00
0.25%

Youth Account

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The Mutual’s Express Savings account lets you access your money when and where you need it.

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

GO TO Regional Australia Bank

Earn Interest

Annual interest rate0.25%

Interest calculated Daily

Interest paid Monthly

GO TO Regional Australia Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Regional Australia Bank

Features

Card typeTBA

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 TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY Yes

GO TO Regional Australia Bank

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Regional Australia Bank

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The Capricornian
$0.00
$0.00
2.75%

Youth Access Account

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The Capricornian's Youth Access Account has a monthly fee of 0

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions10

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO The Capricornian

Earn Interest

Annual interest rate2.75%

Interest calculated Daily

Interest paid Monthly

GO TO The Capricornian

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 16

Residency requirementsPermanent or Australian resident

GO TO The Capricornian

Features

Card typeTBA

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 Yes

GO TO The Capricornian

Other

Sponsored No

Data accurate as of29/3/2017

GO TO The Capricornian

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Auswide Bank
$0.00
$0.00
0.00%

Visa Debit Card

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

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

GO TO Auswide Bank

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Auswide Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Auswide Bank

Features

Card typeTBA

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 Yes

GO TO Auswide Bank

Other

Sponsored No

Data accurate as of27/3/2017

GO TO Auswide Bank

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UBank
$0.00
$0.00
2.87%

USaver Ultra

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UBank's USaver Ultra has a monthly fee of 0

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

GO TO UBank

Earn Interest

Annual interest rate2.87%

Interest calculated Daily

Interest paid Monthly

GO TO UBank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO UBank

Features

Card typeTBA

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 Yes

GO TO UBank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO UBank

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Select Encompass
$0.00
$0.00
0.05%

Transaction Account

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The Everyday Account is designed to cover your day-to-day banking needs. It’s ideal for salary credits and for managing your daily spending.

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

GO TO Select Encompass

Earn Interest

Annual interest rate0.05%

Interest calculated Daily

Interest paid Monthly

GO TO Select Encompass

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Select Encompass

Features

Card typeTBA

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 Yes

GO TO Select Encompass

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Select Encompass

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FCCS Credit Union
$0.00
$0.00
0.00%

Total Access Account

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I’m young and enjoying life, so I need 24/7 access to my money, but without all the fees.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions8

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO FCCS Credit Union

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO FCCS Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO FCCS Credit Union

Features

Card typeTBA

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 TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY Yes

GO TO FCCS Credit Union

Other

Sponsored No

Data accurate as of26/3/2017

GO TO FCCS Credit Union

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Community First Credit Union
$0.00
$0.00
0.15%

Student Starter

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Are you aged 17-24 and also a full time student (including high school, tertiary, college or university), apprentice or trainee? If so, our Student Starter account offers convenient everyday banking without the excess fees.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsn/a

ATM withdrawl fee$1.50

EFTPOS transaction fee$1.10

Branch withdrawl feeNone

Overdrawn fee$10

Overseas ATM withdrawl fee$5

Currency conversion fee3%

GO TO Community First Credit Union

Earn Interest

Annual interest rate0.15%

Interest calculated Daily

Interest paid Monthly

GO TO Community First Credit Union

Miscellaneous

Base rebateNone

Online application Yes

Minimum age 17

Residency requirementsPermanent or Australian resident

GO TO Community First Credit Union

Features

Card typeVisa Debit

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessYes

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility No

Joint access No

Pay using Apple PayYes

Pay using Android PayYes

BPAY Yes

GO TO Community First Credit Union

Other

Sponsored No

Data accurate as of22/12/2017

GO TO Community First Credit Union

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Bendigo Bank
$6.00
$0.00
0.05%

Student Account

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Salary Saver has been designed to save you money. It’s a transaction account that’s ideal for your salary.

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

GO TO Bendigo Bank

Earn Interest

Annual interest rate0.05%

Interest calculated Daily

Interest paid Monthly

GO TO Bendigo Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 12

Residency requirementsPermanent or Australian resident

GO TO Bendigo Bank

Features

Card typeTBA

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 TBA

Pay using Apple PayNo

Pay using Android PayYes

BPAY Yes

GO TO Bendigo Bank

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Bendigo Bank

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Bankwest
$0.00
$0.00
0.01%

Student Account

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our Student Starter account offers convenient everyday banking without the excess fees.

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

GO TO Bankwest

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO Bankwest

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Bankwest

Features

Card typeTBA

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 PayYes

BPAY Yes

GO TO Bankwest

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Bankwest

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The Capricornian
$0.00
$0.00
0.00%

Student Access Account

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The Capricornian's Student Access Account has a monthly fee of 0

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

GO TO The Capricornian

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO The Capricornian

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO The Capricornian

Features

Card typeTBA

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 Yes

GO TO The Capricornian

Other

Sponsored No

Data accurate as of29/3/2017

GO TO The Capricornian

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Commonwealth Bank
$0.00
$0.00
0.00%

Streamline Basic

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The Retirement Access Saver is a full service transactioN/Al account, designed exclusively for members aged 65 and over and those holding a valid Government pension card

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

GO TO Commonwealth Bank

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Commonwealth Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Commonwealth Bank

Features

Card typeTBA

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 TBA

Pay using Apple PayNo

Pay using Android PayNo

BPAY Yes

GO TO Commonwealth Bank

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Commonwealth Bank

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Arab Bank
$0.00
$0.00
1.80%

Statement Savings Account

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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.

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

GO TO Arab Bank

Earn Interest

Annual interest rate1.80%

Interest calculated Daily

Interest paid Monthly

GO TO Arab Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Arab Bank

Features

Card typeTBA

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 Yes

GO TO Arab Bank

Other

Sponsored No

Data accurate as of26/3/2017

GO TO Arab Bank

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ECU Australia
$0.00
$0.00
2.75%

Star Account

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Hunter United’s Premium Access Account is the ideal transaction account for your daily needs.

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

GO TO ECU Australia

Earn Interest

Annual interest rate2.75%

Interest calculated Daily

Interest paid Monthly

GO TO ECU Australia

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 13

Residency requirementsPermanent or Australian resident

GO TO ECU Australia

Features

Card typeTBA

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 No

Joint access Yes

Pay using Apple PayNo

Pay using Android PayYes

BPAY Yes

GO TO ECU Australia

Other

Sponsored No

Data accurate as of29/3/2017

GO TO ECU Australia

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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.