The Capricornian Student Access Account

transaction accountage limitedstale

Student Access Account is a transaction account from The Capricornian. 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 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• ages 17 to 26

Features

app

yes

Osko

yes

PayID

yes

BPAY

yes

notifications

yes

wallets

Apple Pay, Google Pay

Other features, in the bank's words:

• Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.

Fees, limits and who can open it

monthly fee

$6; the bank's words on who does not pay it: Account service fee exempt on first account, $6.00 per month subsequent accounts.

other fees named

Foreign Currency Conversion Fees (no amount in the feed)

interest paid

monthly

interest calculated

daily

age

ages 17 to 26

open to

personal customers

age limited

open only to people of certain ages (kids, youth or seniors accounts)

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

• You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
• age 26 and under
• residency: Individuals must be citizens or permanent residents of Australia

About this account

The Student Access Account is designed to provide support to those aged 17-25 years who are studying at University or undergoing a traineeship/apprenticeship. The account provides full branch access for deposits, withdrawals or counter cheques as well as Visa Debit access.

Data

• The Capricornian'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 22 October 2026.
• /au/finance/savings-accounts/v1/brands/the-capricornian.json: this bank's accounts and every balance band as JSON; The Capricornian's page lists them.
• The bank last updated this record on 22 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 The Capricornian

• Bonus Saver Accountstale savings account, 4.99% conditional at $50,000
• Everyday Saver Accountstale savings account, 0.10% base at $50,000
• iSaverstale savings account, 0.60% base at $50,000
• Youth Access Accountstale savings account
• Business Access Accountstale transaction account, 0.00% base at $50,000
• Club Accountstale transaction account, 0.00% base at $50,000
• Pension Access Accountstale transaction account, 0.38% base at $50,000
• Personal Access Accountstale transaction account, 0.00% base at $50,000

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