For ages 13 plus#
Unlimited free everyday transactions*
Mobile banking app

Our All Access account provides the versatility and reliability you require from an everyday transaction account. With card access and the option to conduct banking via face-to-face or electronic means, the account ensures peace-of-mind that transactions are conducted both seamlessly and effortlessly.

Applicants for an All Access Account must be at least 13 years of age.


  • Unlimited free everyday transactions*
  • No monthly fee if conditions are met (see fee waiver eligibility below) **
  • Visa Debit card access, with your choice of card design^^
  • 24/7 internet banking and mobile app access#
  • Self managed card controls available in case of a lost or stolen card
  • Worldwide access
  • Bank@Post
  • Transfer your monthly instantly using Osko^
  • Access your funds via Apple Pay, Google Pay and Samsung Pay.

Open an All Access account

If you're brand new to Queensland Country and you're over 18, you can open a Membership and an All Access account online. For existing Members, you can open an All Access quickly and easily through internet banking or the mobile app. You can also open an account by visiting your nearest branch.

Rates & Fees

Balances less than $5,000 0.00Interest rate
Balances over $5,000 0.01Interest rate
Interest is calculated on the minimum daily balance and paid monthly. Effective Thursday 23 February 2023
Monthly fee $6 (Free if waiver met - see details below)**
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Card designs to choose from

Visa Debit card options - yellow, pink, white, teal, Cowboys supporter card
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The fine print

*Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges and for definitions of the terms Direct Entry and Contributing Accounts.

** The Monthly Account Service Fee of $6 is waived for each month that you satisfy one or more of the following:

  • External direct credit of $1,000 or more to your All Access account each month; or
  • Total savings, investments and borrowings of $50,000 or more held in any of the Contributing Accounts as at the last day of each month; or
  • An Australian War Veteran, Aged or Disability Pension is directly credited to the All Access Account; or
  • A current Queensland Country Ultimate Home Loan Package is held in the same name as one of the account holders; or
  • You (the account holder) are under 18.^^

^ Refer to our Account and Access Facility Conditions of Use brochure for more information.

^^ Restrictions apply to Members under 18 years of age.

# Restrictions apply for Members aged 13 to 15.

The information above does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Service Guide; Target Market Determination; Account and Access Facility Conditions of Use; Personal Savings and Transaction Accounts brochure and Deposit Interest Rate Schedule.