Our Learners and Earners All Access account is designed for young Members studying full-time or completing an Australian apprenticeship. Stay in control of your money with secure banking and no monthly fees. Access your funds your way, through your Visa Debit Card, digital wallet, mobile app, internet banking, or in-branch support.
Features
- Free everyday transactions*
- No monthly account service fee
- Visa Debit card access, with your choice of card design
- Access your funds 24/7 via internet banking or the mobile app
- Self-managed card controls available in case of a lost or stolen card
- Use your card when you travel overseas*
- Withdraw and deposit money using Bank@Post^^
- Transfer money almost instantly between eligible financial institutions using Osko^
- Access your funds via Apple Pay, Google Pay and Samsung Pay
Rates & Fees
| Balances less than $5,000 | 0.00Interest rate |
| Balances more than $5,000 | 0.01Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
Information you need to know
Interest is calculated on the minimum monthly balance and paid monthly.
*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.
^ Refer to our Account and Access Facility Conditions of Use brochure for more information.
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.
Rates and fees effective: 19th February 2026