BCU Bank Business Basic Access
transaction account
Business Basic Access 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.
Conditions
- also open to self-managed super funds (SMSFs): the bank's own words are "You'll need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit, be operating in Australia with an Australian address"
Features
- card
- Visa Debit card available to authorised signatories
- app
- yes
- Osko
- yes
- PayID
- yes
- transactions
- unlimited
- wallets
- Apple Pay, Google Pay & Samsung Pay
Other features, in the bank's words:
- 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
- open to
- SMSF and business customers
Who can open it, in the bank's own words:
- business: Only business may apply for the account.
- 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
A business bank account best suited to businesses who have limited banking needs, with no monthly fee and free electronic transactions.
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
- Access Account transaction account, 0.00% base at $50,000
- Business 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.
We receive no payment from any lender for inclusion or ranking.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, bonus interest is paid only in the months an account's conditions are met, and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.