Unity Bank Access Account
transaction accountstale
Access Account is a transaction account from Unity 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, with no upper limit.
Conditions
- not updated by the bank since 2026-09-14, 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
- Osko
- yes
- PayID
- yes
- PayTo
- yes
- transactions
- unlimited
- wallets
- Apple Pay, Google Pay, Samsung Pay
Other features, in the bank's words:
- Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it
- Backed by the Government Deposit Guarantee for deposits up to $250,000
- Find the digital version of your card via the Mobile App before your physical card arrives in the mail.
- Cards made from 82% recycled PVC
- Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.
Fees, limits and who can open it
- monthly fee
- $5; the bank's words on who does not pay it: Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and phone purchases
- interest paid
- monthly
- interest calculated
- daily
- open to
- personal customers
Who can open it, in the bank's own words:
- residency: You must be an Australian citizen or permanent resident
About this account
An Access account will provide you with your everyday transaction account needs. Funds are available 24 hours a day, 7 days a week.
Data
- Unity Bank'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/unity-bank.json: this bank's accounts and every balance band as JSON; Unity Bank's page lists them.- The bank last updated this record on 14 September 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 Unity Bank
- Bonus Saver Accountstale savings account, 4.85% conditional at $50,000
- Christmas Saver Accountstale savings account, 1.10% base at $50,000
- MoneyMAXstale savings account, 4.75% base at $50,000
- Pensioner Plus Accountstale savings account, 2.64% base at $50,000
- Self-Managed Superfund Accountstale savings account, 3.25% base at $50,000
- BusiAccessstale transaction account, 0.00% base at $50,000
All of Unity 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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