Important update: from 1 April 2026, the Illawarra Credit Union brand – a division of Community First Credit Union – will be formally retired. Visitors to the illawarracu.com.au will now be directed to this site. More information about this change is available here.

Internet banking transfer and transaction limits

Daily limits

No limit

Internal transfer

There’s no dollar limit for transfers made between Community First accounts.

$5,000

External transfers

You can transfer a maximum of $5,000 per day to an external account.

$10,000

BPAY ®

You can pay a bill using BPAY® to a maximum of $10,000 per day.

$5,000

Osko Payments

You can transfer a maximum of $5,000 per day via Osko payments.

$5,000

International Transactions

A maximum daily limit of $5,000 applies to international transactions.

$2,015

Cash limit

The maximum amount of cash you can withdraw per day.

$2,015

Purchase Limit

The maximum total amount you can spend on purchases from your account or card.

$2,015

Daily Total Limit

The maximum combined dollar amount you’re allowed to transact from your account in a single day.

$2,015

Contactless Limit

The maximum amount you can spend in tap payments without entering your PIN.

How to increase your limit

You can request a higher daily limit for external credits however please note that your limit will need to be reduced back down to the standard limit once you have finished your transaction. We do not recommend maintaining higher daily limits on your accounts on an ongoing basis.

Simply give us a call or visit a store to request a change to your limit.

Contact us
® Registered to BPAY Pty Ltd ABN 69 079 137 518

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

Download our mobile app

Convenient 24/7 access to check your account balance and recent transactions, pay bills, transfer money and more.

Call us today on

1300 13 22 77

Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170