Everyday Plus

An everyday transaction account for members who are aged 55 and over or Self-Managed Super funds (SMSFs).

Access

An everyday account for members who are aged 55 and over or SMSFs. Monthly account fee of $4 is waived if you deposit $2,000 each month or meet other eligibility criteria*.

Rewarding

Earn tiered interest depending on the balance in your account – calculated daily and paid quarterly.

Convenient

Use your own money to securely shop in-store and online, pay bills via BPAY® and direct debit, access cash and more.

Everyday Plus account

Balances $100,000 and over

Variable interest rate:

2.50^%_{p.a. ¹}

Interest calculated daily and paid quarterly.

Balances $10,000 – $99,999

Variable interest rate:

1.50^%_{p.a. ¹}

Interest calculated daily and paid quarterly.

Balances up to $9,999

Variable interest rate:

0.10^%_{p.a. ¹}

Interest calculated daily and paid quarterly.

Flexible options

A debit card is optional which you can use both in Australia and overseas. Plus you can choose to add an overdraft ²for even greater flexibility and convenience.

Features

$0

Monthly fee

The $4 monthly fee will be waived if you deposit at least $2,000 each calendar month (excludes bank-initiated transactions) or you have a membership value of $50,000 or more*.

$0

ATM fees

We won’t charge you a fee for using an ATM however a direct charge fee by the ATM operator you use may apply.

3%

International Transactions

There’s no fees for things like BPAY®, direct debits, external transfers and Osko payments. Fees apply on International Transactions. For more information view our Fees and Charges.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Apply online

Tap and go

Mobile Payments

Use your card to make payments via Apple Pay⁴, Google Pay³ and Samsung Pay.⁵

Find out more

Fast Payments

Osko

Send and receive money to participating financial institutions in seconds, 24/7.

How it works

No card? No worries

Digital Cards

Now you can access your card details in our mobile app for maximum convenience.

How it works

Fees and charges

For a full list of our fees and charges, including specially requested services, refer to our latest fees and charges schedule below.

Fees and charges

You can view Target Market Determinations here.

*The Monthly fee of $4 is charged per open account and will be waived if you:

Deposit at least $2,000 into each account during the calendar month (excludes bank-initiated transactions, reversals, and refunds), or,
Have a Membership Value of $50,000 or more (including eligible savings, term deposit and loan accounts).

Membership Value is calculated by adding together the daily closing balances of your eligible savings, term deposit and loan accounts and averaging this total across all days in the month. Balances are calculated using the effective date of each transaction. Overdrawn balances are not included. Where an account’s debit balance exceeds its approved credit limit, the approved credit limit amount will be used instead.

Joint accounts can only qualify for a fee waiver based on the primary account holder’s Membership Value. If a joint account qualifies for a fee waiver, the waiver will also apply to the secondary account holder’s eligible individual accounts. However, a secondary account holder’s Membership Value cannot be used to qualify a joint account for a fee waiver.

¹Rates are current as at 15/05/2026 and subject to change without notice.

²Credit eligibility criteria, terms & conditions, fees & charges apply.

³Google Pay is a registered trademark of Google Inc.

⁴Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

⁵Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

The date purchases are received and processed may be different from the date they were made.

Everyday Plus

Access

Rewarding