BCU Bank Access Account
transaction account
Access Account is a transaction account from BCU Bank. 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.
| Balance | Base |
|---|---|
| $0+ | 0.00% |
One rate on every balance.
The feed states a maximum balance of $5,000,000.
Features
- card
- Visa Debit card available
- app
- yes
- Osko
- yes
- PayID
- yes
- transactions
- unlimited
- round-ups
- yes
- wallets
- Apple Pay, Google Pay & Samsung Pay
Other features, in the bank's words:
- Round up your everyday Visa Debit card purchases to the nearest $1, $5, or $10 and automatically save the difference. You'll need a BCU Access Account and a Bonus Saver or iSaver Account. Visit our website for more information.
- Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Cash Handling Fee (no amount in the feed)
- maximum balance
- $5,000,000
- interest paid
- half-yearly
- interest calculated
- daily
- age
- ages 12 and over
- open to
- personal customers
Who can open it, in the bank's own words:
- You must be or become a BCU Bank member
- residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
About this account
An everyday bank account with unlimited free standard transactions for all your daily spending needs.
Data
- BCU Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
/au/finance/savings-accounts/v1/brands/bcu-bank.json: this bank's accounts and every balance band as JSON; BCU Bank's page lists them.- The bank last updated this record on 13 November 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 BCU Bank
- Bonus Saverstale savings account, 0.05% base at $50,000
- Boss Saver savings account, 5.50% conditional at $50,000
- Business iSaverstale savings account, 1.85% base at $50,000
- Golden Account savings account, 1.54% base at $50,000
- Power Saver savings account, 4.85% conditional at $50,000
- Scoot Super Saver savings account, 3.50% base at $50,000
- Business Access transaction account, 0.00% base at $50,000
- Business Basic Access transaction account, 0.00% base at $50,000
- Concession Account transaction account, 0.00% base at $50,000
All of BCU Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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