Transaction Accounts

Please see a wide selection of Transaction Accounts on offer for Australian customers. You can use the user-friendly table to compare essential factors like fees, rates and if there is a minimum deposit on bank accounts. Check to see if an account is suited to you by looking at the possibilities for withdrawal, Direct Debit, Bpay and so on.

Credit Report        Transaction Accounts Information

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

What are the fees and is there a flat monthly fee? Is interest paid and if so, how much? These are all areas you might like to consider before going for one of these transaction bank accounts.

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Enquiry Line: +61 (0) 2 91916575

COMPANYACCOUNTTYPEINTEREST AERINTEREST GROSSPAIDACCESSO/D RATEBANKING CHARGESSERVICES CHARGESMORE INFO
NAB Classic Banking
NAB Classic Banking		Transaction AccountTransaction Account0.01% p.a0.01% p.aMonthlyOnline, Branch, PhoneAvailable$0$0NAB Classic Banking
The NAB Classic Banking account is perfect for everyday transactions and what's more, there are absolutely NO monthly account fees! You get an NAB Visa Debit card with payWave at no extra cost. No surprise it has been voted number one for everyday banking in Australia.
DETAIL INFORMATION >>		Features

Features

Free Banking: Yes
Debit Card: Yes
Cheque Guarantee Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: No
Account Manager: No

1. Access special offers on shows, events, experiences and movies from Visa Entertainment. 2. Shop online more safely with Verified by Visa.
3. Chip technology to help keep your card secure.
4. A statement every two months to help you keep track of your spending.


Services

Services

NAB Visa payWav service/telephone/internet banking service.


Advantages

Advantages

1. No monthly account fees, ever, no matter how you bank.
2. No minimum deposits.
3. NAB Visa Debit card with payWave at no extra cost, so you can shop wherever Visa is accepted.
4. Unlimited access to your money through NAB Internet Banking or NAB Telephone Banking, in any branch, through our ATM network (including rediATMs), using EFTPOS, or through an optional chequebook.
5. The option to add a personal overdraft for those times you need a little extra cash.
6. You're protected from fraud by our NAB Defence security promise.


Disadvantages

Disadvantages

1. Although NAB do not charge you the owners of other ATMs might directly charge you.
2. You must be Australian (Australian address)

ANZ Access Advantage with Visa Debit
ANZ Access Advantage with Visa Debit		Access AdvantageStandard Account0.00% - 0.02% p.a.0.00% - 0.02% p.a.DailyOnline, Tel, ATM, Branch8.5%$0.00$5.00ANZ Access Advantage with Visa Debit
The ANZ Access Advantage offers you constant access to your account and unlimited ANZ transactions for $5 a month. You have the freedom to use your own money online, over the phone, and overseas with your ANZ Access Visa Debit Card. You will, however, incur additional ANZ account fees if you try to or do go overdrawn on your bank accounts and/or transact overseas.
DETAIL INFORMATION >>		Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

1. Press ‘credit’ for the added security of ANZ Falcon fraud monitoring – when using your ANZ Access Visa Debit card for ATM or EFTPOS transactions, select the ‘credit’ button to activate ANZ Falcon which monitors your transactions for suspicious activity. Transactions that you make online or by phone are automatically protected by ANZ Falcon.
2. Design your ANZ Access card with an image of your choice for just $15.


Services

Services

1. ANZ Access Advantage is covered by the Australian Government Deposit Guarantee Scheme.


Advantages

Advantages

1. If you are aged under 18, or 60 and over, or are a full time student at an Australian educational institution, they will waive the monthly account service fee.
2. With Visa Debit access, you can use your own money online, over the phone and overseas.
3. Unlimited ANZ Transactions.
4. Choose from 3 card colours.


Disadvantages

Disadvantages

1. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees).
2. Debit Card Replacement Fee $15.00.
3. Monthly fee for phone/branch banking

St.George Complete Freedom Account
St.George Complete Freedom Account		St.George Complete Freedom AccountTransaction Account0.01 % p.a.0.01 % p.a.MonthlyOnline, ATM, Branches, EFTPOS, BPAYAvailableLate Bill Payments$5.00St.George Complete Freedom Account
A full-service account offering unlimited branch, cheque and electronic transactions, plus the benefits of a Visa Debit Card for 24/7† access to your money anywhere in the world for a low, flat monthly account service fee (does not apply in any month where a customer deposits at least $2,000 by the last business day of the month~ eg their salary or has their St.George home loan repayment automatically deducted from bank accounts).
DETAIL INFORMATION >>		Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

1. 10 free SMS Alerts per month alert you to balance or transaction information
2. Shop securely with your own money, online, at home, over the phone or overseas wherever Visa is accepted with your Visa Debit Card
3. Unlimited access to over 2,700 St.George, Westpac and BankSA branded ATMs around Australia.


Services

Services

Unlimited access to over 2,700 St.George, Westpac and BankSA branded ATMs around Australia.


Advantages

Advantages

1. Visa Debit Card available to customers who are over 18 and have an Australian residential address
2. Unlimited^ everyday transactions
3. St.George Internet and Phone Banking (including Bpay®)
4. Over 2,800 St.George, Westpac and BankSA branded ATMs
5. 10 free SMS Alerts included each month#
6. Worldwide ATM access
7. No minimum monthly balance required
8. Flat account service fee of just $5 a month
9. Monthly account service fee does not apply when a customer:
10. Deposits at least $2,000 by the last business day of a month~ into their Complete Freedom Account; or
11. Makes their St.George home loan repayments by automatic transfer from their Complete Freedom Account.


Disadvantages

Disadvantages

1. If your monthly deposits fall below $2000 a month the $5 monthly account service fee will apply.

St George Express Freedom Account
St George Express Freedom Account		Express Freedom AccountTransaction Account0.01 % p.a.0.01 % p.a.MonthlyOnline, Tel, ATM, Branches, EFTPOS, BPAYAvailableExtra services$3.00St George Express Freedom Account
St George Express Freedom Account offers you low-cost online bank accounts for customers who don’t want to transact via the branch network or use cheques. You have unlimited^ access to Internet and Phone Banking, with a Visa Debit Card for electronic purchases. Plus the monthly account service fee does not apply in any month where a customer deposits a minimum of $1,000 by the last business day of the month~ eg their salary.
DETAIL INFORMATION >>		Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

A low cost account ideal for electronic banking with a Visa Debit Card


Services

Services

1. Unlimited St.George/Westpac/BankSA branded ATMs in Australia, EFTPOS, direct debit, Bank@Post and Internet and Phone Banking transactions
2. Low flat monthly fee of $3
3. Chequebook available upon request
4. Pay as you go branch and cheque services


Advantages

Advantages

1. Visa Debit Card available to customers who are over 18 and have an Australian residential address
2. Unlimited^ everyday transactions
3. St.George Internet and Phone Banking (including Bpay®)
4. Over 2,800 St.George, Westpac and BankSA branded ATMs
5. 10 free SMS Alerts included each month#
6. Worldwide ATM access
7. No minimum monthly balance required
8. Flat account service fee of just $5 a month
9. Monthly account service fee does not apply when a customer:
10. Deposits at least $2,000 by the last business day of a month~ into their Complete Freedom Account; or
11. Makes their St.George home loan repayments by automatic transfer from their Complete Freedom Account.


Disadvantages

Disadvantages

1. Daily limits on cash withdrawals, and purchases

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