For students and apprentices aged 18-23
Unlimited free everyday transactions*
Visa Debit card

With the complete functionality of our All Access account, the Learners and Earners All Access account has been designed specifically for our Members undertaking full-time studies or an Australian apprenticeship.


  • Unlimited free everyday transactions*
  • No monthly account service fee
  • 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 money instantly 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
Interest is calculated on the minimum daily balance and paid monthly. Effective Tuesday 31 March 2020
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.
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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 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.