Compare Transaction Accounts & Bank Accounts - Best Find

Compare Transaction Accounts

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RAMS
$0.00
$0.00
1.35%

RAMS Action

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The Pension Access Account allows our senior members to manage their fiN/Ances wisely and enjoy a more comfortable lifestyle.

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 RAMS

Earn Interest

Annual interest rate1.35%

Interest calculated Daily

Interest paid Monthly

GO TO RAMS

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO RAMS

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 RAMS

Other

Sponsored No

Data accurate as of29/3/2017

GO TO RAMS

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Hunter United
$0.00
$0.00
0.00%

Premium Access Account

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Our Zip Account provides easy access to your money on the go, online, anywhere and anytime. With our Zip Account you could avoid monthly fees^ and get the choice of two unique Visa Debit card designs, with payWave access making it faster and easier to zip through your purchases.

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 Hunter United

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Hunter United

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Hunter United

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 Hunter United

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Hunter United

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HSBC
$0.00
$0.00
0.05%

Premier CMA

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The McGrath Pink Visa debit card lets you access your own money while supporting the McGrath Foundation.

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 fee2% of the total amount of each overseas transaction.

GO TO HSBC

Earn Interest

Annual interest rate0.05%

Interest calculated Daily

Interest paid Monthly

GO TO HSBC

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO HSBC

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 HSBC

Other

Sponsored No

Data accurate as of29/3/2017

GO TO HSBC

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Citi
$0.00
$0.00
0.00%

Plus Account

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day-to-day access over the counter, via the Internet or phone, or wanting the convenience of EFTPOS, ATM or Bank@Post outlet

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 Citi

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Citi

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Citi

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 Citi

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Citi

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Community First Credit Union
$7.00
$0.00
1.00%

Pink McGrath Visa Debit Card

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The McGrath Pink Visa debit card lets you access your own money while supporting the McGrath Foundation. Community First will donate $1 of the card’s monthly fee to the McGrath Foundation each month. The money raised goes towards putting McGrath breast care nurses in the community. These nurses support women with breast cancer and their families.

Fees and Charges

Monthly account fees$7.00

Fee free deposit amount$0.00

Number of free transactions5

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 rate1.00%

Interest calculated Daily

Interest paid Tri-annually

GO TO Community First Credit Union

Miscellaneous

Base rebateNone

Online application Yes

Minimum age 12

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 Yes

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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Victoria Teachers Mutual Bank
$0.00
$0.00
1.50%

Pension Account

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Victoria Teachers Mutual Bank's Pension 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 Victoria Teachers Mutual Bank

Earn Interest

Annual interest rate1.50%

Interest calculated Daily

Interest paid Monthly

GO TO Victoria Teachers Mutual Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Victoria Teachers Mutual 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 Victoria Teachers Mutual Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Victoria Teachers Mutual Bank

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The Capricornian
$0.00
$0.00
0.25%

Pension Access Account

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The Capricornian's Pension 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 rate0.25%

Interest calculated Daily

Interest paid Monthly

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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Coastline Credit Union
$0.00
$0.00
0.00%

Pay As you Go

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the Smart Start Access Saver - designed especially for members aged 13 to 24 years. * 5 star rated by Canstar

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 Coastline Credit Union

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Coastline Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Coastline 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 Coastline Credit Union

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Coastline Credit Union

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The Capricornian
$0.00
$0.00
0.00%

Packaged Access Account

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The Capricornian's Packaged 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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ING DIRECT
$0.00
$0.00
3.00%

Orange Everyday

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A transaction account with a variety of access options.

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 fee$2.50

Currency conversion fee2.5% of transaction amount

GO TO ING DIRECT

Earn Interest

Annual interest rate3.00%

Interest calculated Daily

Interest paid Monthly

GO TO ING DIRECT

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO ING DIRECT

Features

Card typeTBA

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access Yes

Pay using Apple PayYes

Pay using Android PayYes

BPAY Yes

GO TO ING DIRECT

Other

Sponsored No

Data accurate as of29/3/2017

GO TO ING DIRECT

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Hunter United
$5.00
$0.00
0.00%

On Call Savings Account

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Our Expenses Account is perfect for those amongst us who like to budget and ensure bills are paid on time. Separating your expenses from your everyday spending using our Expenses Account will help you never miss a bill payment due date.

Fees and Charges

Monthly account fees$5.00

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 Hunter United

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Hunter United

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Hunter United

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 Hunter United

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Hunter United

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Defence Bank
$0.00
$0.50
0.01%

National Access Account

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An everyday account for members 55 years and over.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.50

Number of free transactions6

ATM withdrawl fee$0.50

EFTPOS transaction fee$1.50

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl fee$4.10

Currency conversion feeTBA

GO TO Defence Bank

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO Defence Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Defence 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 PayYes

Pay using Android PayYes

BPAY Yes

GO TO Defence Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Defence Bank

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NAB
$0.00
$0.00
0.01%

NAB Gold Banking

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Our Everyday Account is a simple bank account for anyone who wants flexible options for their persoN/Al 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 NAB

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO NAB

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO NAB

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 NAB

Other

Sponsored No

Data accurate as of29/3/2017

GO TO NAB

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BankVic
$0.00
$0.00
0.01%

Multipack S1

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Our Everyday account is available for everyone who wants to open a persoN/Al account.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions45

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO BankVic

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO BankVic

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO BankVic

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 PayNo

Pay using Android PayNo

BPAY Yes

GO TO BankVic

Other

Sponsored No

Data accurate as of27/3/2017

GO TO BankVic

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Heritage Bank
$0.00
$0.00
0.10%

Money Manager

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Opened for you automatically when you become a member, this account provides access to your money 24 hours a day through our wide range of access facilities.

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 Heritage Bank

Earn Interest

Annual interest rate0.10%

Interest calculated Daily

Interest paid Monthly

GO TO Heritage Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Heritage 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 Heritage Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Heritage Bank

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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.