Compare Transaction Accounts & Bank Accounts - Best Find

Compare Transaction Accounts

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Australian Military Bank
$0.00
$0.00
0.01%

Military Rewards Account

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

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 Australian Military Bank

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO Australian Military Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Australian Military 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 Australian Military Bank

Other

Sponsored No

Data accurate as of26/3/2017

GO TO Australian Military Bank

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Bankwest
$3.99
$0.00
0.01%

Lite Direct Account

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Credit Union's Pay As You Go account is specifically designed for those members who don't make many monthly transactions. With no monthly service fee, members can enjoy fee-free banking.

Fees and Charges

Monthly account fees$3.99

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl fee$0.00

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 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 Bankwest

Other

Sponsored No

Data accurate as of28/3/2017

GO TO Bankwest

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ECU Australia
$0.00
$0.00
0.05%

Liquid Account

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A Hunter United On-Call Savings Account is a straight-forward transaction account providing access to your money 24 hours a day.

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 rate0.05%

Interest calculated Daily

Interest paid Monthly

GO TO ECU Australia

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO ECU Australia

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 No

Joint access TBA

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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Delphi Bank
$0.00
$0.00
1.25%

Liberty Account

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you'll get preferential rates with no minimum balance. You'll also have access to Serious Saver, one of our highest-earning savings accounts.

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 Delphi Bank

Earn Interest

Annual interest rate1.25%

Interest calculated Daily

Interest paid Monthly

GO TO Delphi Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Delphi 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 Delphi Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Delphi Bank

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BankSA
$0.00
$0.00
0.25%

Investment Cash Account

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The Day2Day Plus Account® is the everyday bank account that frees you up to live the way you want, each and every day.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions5

ATM withdrawl fee$0.60

EFTPOS transaction fee$0.60

Branch withdrawl fee$0.60

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO BankSA

Earn Interest

Annual interest rate0.25%

Interest calculated Daily

Interest paid Monthly

GO TO BankSA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO BankSA

Features

Card typeTBA

Contactless paymentNo

ATM access No

Unlimited ATM accessNo

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 BankSA

Other

Sponsored No

Data accurate as of27/3/2017

GO TO BankSA

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B&E Personal Banking
$6.00
$0.00
0.00%

iAdvantage

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

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 B&E Personal Banking

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO B&E Personal Banking

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 21

Residency requirementsPermanent or Australian resident

GO TO B&E Personal Banking

Features

Card typeTBA

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 Yes

GO TO B&E Personal Banking

Other

Sponsored No

Data accurate as of27/3/2017

GO TO B&E Personal Banking

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Bankwest
$0.00
$0.00
1.50%

Hero Transaction Account

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An everyday bank account for health care or pensioner concession card holders..

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 rate1.50%

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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Holiday Coast Credit Union
$0.00
$0.00
0.00%

Great Day Transaction

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Our Access Account is a great everyday ‘at call’ transaction account for personal purposes, allowing you to access your funds online or over the counter.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions20

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn fee$9.00

Overseas ATM withdrawl fee$4.00

Currency conversion fee2.5%

GO TO Holiday Coast Credit Union

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Holiday Coast Credit Union

Miscellaneous

Base rebateNone

Online application No

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Holiday Coast Credit Union

Features

Card typeVisa Debit

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessNo

Fraud protectionN/A

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityNo

Cheque facility Yes

Joint access No

Pay using Apple PayYes

Pay using Android PayYes

BPAY Yes

GO TO Holiday Coast Credit Union

Other

Sponsored No

Data accurate as of18/01/2018

GO TO Holiday Coast Credit Union

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Rural Bank Limited
$0.00
$0.00
0.15%

Gold Cash Management

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The Rock’s Seniors Platinum Account is specifically designed for those aged 55 and over, who receive a government aged pension, Veteran Affairs pension, or are self funded retirees. You’ll enjoy a great rate of interest and no account keeping fees, so you can make the most of your money and reach your savings goals sooner.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions6

ATM withdrawl fee$0.00

EFTPOS transaction fee$0.00

Branch withdrawl feeNone

Overdrawn feeTBA

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO Rural Bank Limited

Earn Interest

Annual interest rate0.15%

Interest calculated Daily

Interest paid Monthly

GO TO Rural Bank Limited

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Rural Bank Limited

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 Rural Bank Limited

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Rural Bank Limited

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Qudos Bank
$0.00
$0.00
1.75%

General Savings Account

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A simple and flexible everyday transaction account. Our Access Account gives you easy access to your money – every day, low monthly fees and the ability to reduce or avoid account keeping fees altogether.

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 Qudos Bank

Earn Interest

Annual interest rate1.75%

Interest calculated Daily

Interest paid Monthly

GO TO Qudos Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Qudos 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 Qudos Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Qudos Bank

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Macquarie Credit Union
$0.00
$0.00
0.02%

General Savings Account

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Online and card access, no monthly fees and access to the Community Partnership Program for members 25 and under.

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 Macquarie Credit Union

Earn Interest

Annual interest rate0.02%

Interest calculated Daily

Interest paid Monthly

GO TO Macquarie Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Macquarie 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 Macquarie Credit Union

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Macquarie Credit Union

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Regional Australia Bank
$5.00
$0.00
2.50%

Freedom Retirement

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the Rock’s Only Account is the only account you’ll need. From EFTPOS and ATM access to Internet and Phone Banking, it has all the features you need to make everyday banking easy.

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 fee$0.50

Overdrawn fee$2.00

Overseas ATM withdrawl feeTBA

Currency conversion feeTBA

GO TO Regional Australia Bank

Earn Interest

Annual interest rate2.50%

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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Victoria Teachers Mutual Bank
$0.00
$0.00
1.00%

First Access Account

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Victoria Teachers Mutual Bank's First 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 Victoria Teachers Mutual Bank

Earn Interest

Annual interest rate1.00%

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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BankVic
$0.00
$0.00
0.00%

Ezepac - S20

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Tired of paying fees for your day-to-day bank account? Citibank Plus is a no-fee everyday account that rewards you at home and when you travel.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions4

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 rate0.00%

Interest calculated None

Interest paid None

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 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 BankVic

Other

Sponsored No

Data accurate as of27/3/2017

GO TO BankVic

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The Mutual
$0.00
$0.00
0.00%

Express Savings

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The Mutual's Express Savings has a monthly fee of 0

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 The Mutual

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO The Mutual

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO The Mutual

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 Mutual

Other

Sponsored No

Data accurate as of29/3/2017

GO TO The Mutual

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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.