Bank Australia Basic Access

transaction accountstale

Basic Access is a transaction account from Bank Australia. It pays 0.00% p.a. with no bonus conditions.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

Visa Debit Card

app

yes

Osko

yes

PayID

yes

PayTo

yes

BPAY

yes

notifications

yes

transactions

unlimited

round-ups

yes

wallets

Google, Samsung and Apple Pay available

Other features, in the bank's words:

• Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/in store transactions and simply switch them on or off from your App or Internet Banking.
• Round Up: When you make a transaction with your Visa debit card, you can decide whether you want the amount to be rounded to the nearest whole dollar amount, with the round up being credited from this account into your nominated Savings account or Credit Card.
• Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day.
• PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking.

Fees, limits and who can open it

monthly fee

$0

other fees named

Debit interest charge rate, International transaction fee (ITF) (no amount in the feed)

interest paid

monthly

interest calculated

daily

age

ages 18 and over

open to

personal customers

Who can open it, in the bank's own words:

• Customers who hold a Health Care Card and do not receive Government benefits, must credit their low income earnings into this account.
• Only one Basic Access account is allowed per customer, solely or jointly owned
• residency: Must be an Australian citizen, permanent resident or have a valid Visa.

About this account

The no monthly account fees basic bank account for health care and concession card holders.

Data

• Bank Australia's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 27 October 2026.
• /au/finance/savings-accounts/v1/brands/bank-australia.json: this bank's accounts and every balance band as JSON; Bank Australia's page lists them.
• The bank last updated this record on 27 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Bank Australia

• Bonus Saverstale savings account, 5.35% conditional at $50,000
• Christmas Saverstale savings account, 2.25% base at $50,000
• Commercial Saverstale savings account, 1.95% base at $50,000
• mySaverstale savings account, 5.35% conditional at $50,000
• Online Saverstale savings account, 4.60% base at $50,000
• Pension Accessstale savings account, 1.78% base at $50,000
• Commercial Accessstale transaction account, 0.00% base at $50,000
• Community Accessstale transaction account, 1.50% base at $50,000
• Everyday Accessstale transaction account, 0.05% base at $50,000

All of Bank Australia's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.