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

The Learners and Earners All Access account is an everyday banking solution designed specifically for young people undertaking full-time studies or an Australian apprenticeship.


  • Unlimited free everyday transactions*
  • No monthly account service fee
  • Choice of Visa Debit or CueCard^
  • 24/7 internet and phone banking access
  • Mobile banking app
  • Worldwide access
  • Bank@Post

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. 

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

  • Receive $1,000 or more in Direct Entry deposits 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“^Restrictions apply to Members under 18 years of age. Refer to Account Access Facilities Conditions of Use

#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.

The information above should be read in conjunction with the Financial Service Guide; Target Market DeterminationAccount and Access Facility Conditions of Use, Personal Savings and Transaction Accounts brochure and Deposit Interest Rate Schedule before acquiring this product.