Compare Transaction Accounts & Bank Accounts - Best Find

Compare Transaction Accounts

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BankSA
$0.00
$0.00
0.00%

Express Freedom

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The Reverse Charges Account® is the first transaction account in Australia to pay you a fee for giving us your business; and it gives you the freedom to do banking your way - with easy access to your cash.

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 BankSA

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO BankSA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO BankSA

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 BankSA

Other

Sponsored No

Data accurate as of27/3/2017

GO TO BankSA

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Bank of Melbourne
$0.00
$0.00
0.00%

Express Freedom

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This transaction account is designed to make life easier for retirees and pensioners aged 55 years and over.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactionsUnlimited

ATM withdrawl fee$5.00

EFTPOS transaction fee$0.00

Branch withdrawl fee$2.50

Overdrawn feeTBA

Overseas ATM withdrawl fee$0.03

Currency conversion feeTBA

GO TO Bank of Melbourne

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Bank of Melbourne

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Bank of Melbourne

Features

Card typeTBA

Contactless paymentYes

ATM access Yes

Unlimited ATM accessYes

Unlimited branch accessNo

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 Bank of Melbourne

Other

Sponsored No

Data accurate as of27/3/2017

GO TO Bank of Melbourne

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St.George Bank
$0.00
$0.00
0.00%

Express Freedom

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A convenient everyday account for those receiving a Government pension. Our Pension Account offers a competitive tiered rate of interest.

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 St.George Bank

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO St.George Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO St.George 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 St.George Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO St.George Bank

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

Expenses Account

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If you are over 55 and no longer working, our Retirement Access Plus Account is designed to simplify 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 13

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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CUA
$0.00
$0.00
0.00%

Everyday Youth Account

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A Great Day Transaction Account is suited to your everyday banking needs with a variety of access methods that allow you the freedom to access your money wherever and whenever 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 CUA

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO CUA

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO CUA

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 CUA

Other

Sponsored No

Data accurate as of28/3/2017

GO TO CUA

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IMB
$0.00
$0.00
0.00%

Everyday Unlimited

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Our General Savings Account is an easy, everyday account with $0 fees, no minimum deposit and gives you full access to your money through a wide range of access facilities.

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 IMB

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO IMB

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO IMB

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 IMB

Other

Sponsored No

Data accurate as of29/3/2017

GO TO IMB

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ME Bank
$6.00
$0.00
0.00%

Everyday Transaction Account

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Our Access Savings account has all the features and accessibility you need in an everyday account, with low or no monthly fees.5 It’s all purpose, no frills and gets the job done, whatever that may be

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 ME Bank

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO ME Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO ME 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 ME Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO ME Bank

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Commonwealth Bank
$4.00
$0.00
0.00%

Everyday Smart Access

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This everyday account provides all of our access facilities for easy access to your money, plus you can apply for an Overdraft to ensure you'll never get caught out.

Fees and Charges

Monthly account fees$4.00

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 14

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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The Mac
$0.00
$0.00
0.02%

Everyday Savings Account

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The Mac's Everyday Savings Account 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 Mac

Earn Interest

Annual interest rate0.02%

Interest calculated Daily

Interest paid Monthly

GO TO The Mac

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO The Mac

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 The Mac

Other

Sponsored No

Data accurate as of29/3/2017

GO TO The Mac

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Bank of Sydney
$0.00
$0.00
0.60%

Everyday Saver

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A transaction account that gives you everyday access to your money, with no monthly account-keeping fee.

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 Bank of Sydney

Earn Interest

Annual interest rate0.60%

Interest calculated Daily

Interest paid Monthly

GO TO Bank of Sydney

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Bank of Sydney

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 Bank of Sydney

Other

Sponsored No

Data accurate as of27/3/2017

GO TO Bank of Sydney

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MOVE- People Driven Banking
$0.00
$0.00
0.01%

Everyday Saver

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The Everyday Saver features the option of a Visa Debit card, giving you more options when making payments and giving you access to your funds wherever Visa is accepted, both in Australia and overseas.

Fees and Charges

Monthly account fees$0.00

Fee free deposit amount$0.00

Number of free transactions2

ATM withdrawl fee$1.25

EFTPOS transaction fee$0.75

Branch withdrawl feeN/A

Overdrawn fee$10.00

Overseas ATM withdrawl fee$5.00

Currency conversion fee$0.02

GO TO MOVE- People Driven Banking

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO MOVE- People Driven Banking

Miscellaneous

Base rebaten/a

Online application Yes

Minimum age n/a

Residency requirementsPermanent or Australian resident

GO TO MOVE- People Driven Banking

Features

Card typeVisa Debit

Contactless paymentYes

ATM access Yes

Unlimited ATM accessNo

Unlimited branch accessNo

Fraud protectionYes

EFTPOS facility Yes

Internet bankingYes

Phone bankingYes

Overdraft facilityYes

Cheque facility Yes

Joint access Yes

Pay using Apple PayNo

Pay using Android PayNo

BPAY Yes

GO TO MOVE- People Driven Banking

Other

Sponsored No

Data accurate as of5/02/2017

GO TO MOVE- People Driven Banking

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Illawarra Credit Union
$0.00
$0.00
0.00%

Everyday Plus

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Your day to day savings account for all your basic banking needs. Your funds are at call and earn daily interest. You can access your money by card or cheque, set up bill payments and use internet or phone 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 Illawarra Credit Union

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Illawarra Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Illawarra 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 PayNo

Pay using Android PayYes

BPAY Yes

GO TO Illawarra Credit Union

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Illawarra Credit Union

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Suncorp Bank
$0.00
$0.00
0.01%

Everyday Options Account

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Suncorp Bank's Everyday Options 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 Suncorp Bank

Earn Interest

Annual interest rate0.01%

Interest calculated Daily

Interest paid Monthly

GO TO Suncorp Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Suncorp 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 Suncorp Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Suncorp Bank

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Illawarra Credit Union
$0.00
$0.00
0.50%

Everyday Lite

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Perfect for customers who have a QTMB home loan or investment account, the Current Account provides you with 24/7 access, the ability to link to a redicard

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 Illawarra Credit Union

Earn Interest

Annual interest rate0.50%

Interest calculated Daily

Interest paid Monthly

GO TO Illawarra Credit Union

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Illawarra 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 PayNo

Pay using Android PayYes

BPAY Yes

GO TO Illawarra Credit Union

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Illawarra Credit Union

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Suncorp Bank
$0.00
$0.00
0.00%

Everyday Essentials Account

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Suncorp Bank's Everyday Essentials 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 Suncorp Bank

Earn Interest

Annual interest rate0.00%

Interest calculated None

Interest paid None

GO TO Suncorp Bank

Miscellaneous

Base rebateTBA

Online application Yes

Minimum age 18

Residency requirementsPermanent or Australian resident

GO TO Suncorp 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 Suncorp Bank

Other

Sponsored No

Data accurate as of29/3/2017

GO TO Suncorp 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.