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Community Access

Earn up to

1.00
%
p.a.
On balances of $5,000 or more
Terms and conditions apply

The no-monthly-fee transaction account for organisations who do good for the world.

What you get

StarStarStarStarStar
"It was so simple to set up my business accounts with Bank Australia. Great customer service and product knowledge"
Erin, Bank Australia business customer

Instant access

Your funds are available ‘at call’, which means you can withdraw money from your account as soon as it has been deposited.

Visa Debit card

Our Visa Debit card is accepted worldwide and comes with 24/7 fraud monitoring.

Best-in-class security

Know your money is safe with 24/7 fraud monitoring, card controls, security alerts and more.

Instant, easy payments

Move money and pay people instantly with Osko. And use PayID to pay and be paid the simple way. 

Fee-free ATMs

Withdraw cash fee-free at Bank Australia ATMs and those of all the major banks – all around Australia. 

Low-cost international transfers

Move money across borders quickly, easily and securely. It’s all done through the app and internet banking.

Rates, fees, terms and conditions

Current interest rates

Effective 1 October 2024
Balance
Interest (p.a.)
$0-$4,999.99
0.00
%
$5,000-$149,999.99
1.00
%
$150,000-$499,999.99
1.00
%
$500,000+
1.00
%

Interest rate is variable and is calculated daily on whole of balance and credited monthly.

Eligibility criteria

People aged 18+

People living in Australia as a permanent resident or with a relevant work visa

Be a school or not for profit organisation

Fees and charges

Here's what to expect with our Community Access:
    Monthly account fee
    $0
    Exceeding available funds fee
    $10 plus Debit interest charge rate
    Debit interest charge rate
    12.39%
    Domestic (“press credit”) cash withdrawal fee
    $3.50
    Visa foreign cash withdrawal fee
    $3.50 plus the International transaction fee
    International transaction fee
    3% of the transaction value
    Staff assisted withdrawal fee
    $0

    For all fees and charges please refer to Deposit fees, charges and transaction limits

    General advice

    Information provided is of a general nature only. In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents below before making a decision to apply for products with Bank Australia.

    Terms, conditions, fees and charges may be applicable as outlined below.

      Product disclosure documents

        Above: Dan, Earthworker, Bank Australia business customer

        Customer story

        Dan, Bank Australia business customer

        “We have a wide range of members from across the country who support this growing network of cooperatives … It’s why we’re a Bank Australia customer. These kinds of democratic enterprises – like credit unions and customer-owned banks – are essential for us to build a more just and sustainable economy."

        Read Earthworker's story

        Responsible banking policy

        We believe that the clean money movement is *the* way forward for a sustainable and values-led banking sector. The movement is underpinned by the Bank Australia responsible banking policy – which was formed, and continues to evolve, through research and development with Bank Australia customers. 


        Money, People & Planet

        See more at the Bank Australia blog
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