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  1. Transaction Account

Healthy Banking Everyday Transaction Account
An everyday account that makes banking convenient

$0 Monthly account keeping fee
No ATM Fees When using any of the Big 4 Banks ATMs
INSTANT Send and receive money in real time with Osko & your PayID
SMART Pay with your smartphone using Apple Pay, Samsung Pay or Google Pay
Apply online

Apply in a few minutes

Features & benefits

Visa Debit

Access your money anywhere in the world Visa is accepted.

Paying people is simple

Send and receive money in real time without having to remember bank details with Osko and your PayID.

Access on the go

Manage your account from anywhere with our Internet Banking or mobile banking app.

No branches? No worries!

You can deposit cheques and cash into your account - using the Australia Post Bank@Post national network.

This account may suit people who:

  • Want simple, low fee everyday banking, keeping more money in your pocket.
  • Need worldwide access to their money anywhere Visa is accepted.
  • Like to use features such as smartphone payments using Apple Pay, Google Pay or Samsung Pay.
  • Like to get paid in real time, using Osko and PayID.

Rates and fees

Interest rates
0%p.a. Interest rate
This account pays no interest
$0 Monthly account keeping fee
$0 EFTPOS purchase fee (with or without cash out)
$0 BPAY payment fee
FREE Don’t pay ATM fees when you use any of the Big 4 Banks ATMs
$0 Bank@Post cash or cheque deposit fee
$0 Bank@Post withdrawal fee
3.00% Foreign currency conversion fee
$5 Cash advance fee when withdrawing money from an overseas ATM

How to apply

What you’ll need to apply

1Proof of identity documents
To apply you need to be 16 years or over and a permanent Australian resident that resides in Australia.

2Proof of identity documents
Your Australian Drivers Licence or Australian Passport and Medicare Card.

3Contact details
Email address & phone number.

45 minutes of your time
Applying online takes only 5 minutes to complete.

Application process

1Get your documents together

2Complete the online application form
You can save and return to your application at any point.

3Count to three
We’ll open your account within around 3 business days. If you’ve opted for a Visa Debit card it will arrive approximately 5-7 business days after your account has been opened.

Bank better with Australian Unity

focused on wellbeing

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating products that help them save on health insurance and the tools to improve their financial control.



Our banking products give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone.



As a member-owned bank we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates.



We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for 180 years so we’ll be able to help you with your banking needs.

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1300 790 740

Have us call you within 1 business day

Request a call back

Important information

Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to Terms of Use before applying for any product. Australian Unity Bank Limited is covered by the Australian Government guarantee on deposits, for more information please view our page.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

Our Target Market Determinations are available here.