BNK Bank Essential Account
transaction accountstale
Essential Account is a transaction account from BNK Bank. It pays 0.00% p.a. with no bonus conditions. The feed calls it "Goldfields Essential Account".
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, with no upper limit.
Conditions
- not updated by the bank since 2026-04-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
Features
- card
- Yes
- app
- yes
- BPAY
- yes
- transactions
- unlimited
- wallets
- Apple Pay, Google Pay
Other features, in the bank's words:
- ATM withdrawals - There is an ATM daily limit of $1,000
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- 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:
- Have access to an electronic device with a working internet connection
- residency: be in Australia and have an Australian residential address and phone number: An Australian citizen, permanent resident or Australian resident for tax purposes
About this account
An everyday transaction account for savvy savers.
Data
- Our verbatim snapshot of the bank's product record (source), as fetched on 5 November 2026.
/au/finance/savings-accounts/v1/brands/bnk-bank-goldfields-money-bchl.json: this bank's accounts and every balance band as JSON; BNK Bank's page lists them.- The bank last updated this record on 20 April 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 BNK Bank
- Cash Management Account cash management account, 4.50% base at $50,000
- Boss Access Accountstale transaction account, 0.05% base at $50,000
All of BNK 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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