BSB 806 015

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Following the Reserve Bank of Australia's announcement on Tuesday 3 May, we have released information on interest rate changes. View details

BSB 806 015

& Access Account

No monthly fee


Free ATM access

At all major bank ATMs

100% offset

Linked to your home loan

The & Access Account is a transaction account for your everyday banking that is linked to your home loan. It helps you pay off your loan faster with a 100% interest offset facility.

  • Saving money on your home loan - by linking a 100% offset & Access Account to your home loan.
  • No monthly fee - and no minimum monthly balance required.
  • Fee free transactions - keep more of your money in your pocket. A range of fee free transactions are included in our & Access Account.
  • VISA Debit card - access your funds wherever VISA is accepted.
  • Easy access - access your funds via Internet Banking, Mobile Banking App, Phone Banking, SMS Banking and more.
  • ATM access - free and convenient access to your money at all major bank ATMs across Australia.
  • Tap and pay with your compatible mobile phone - using Apple PayGoogle PayTM or Samsung Pay a smarter way to pay.
  • Peace of mind - your Visa Debit card is protected by Visa Zero Liability when using Visa payWave or pressing credit in store. Additionally, Verified by Visa adds an extra layer of security to select online transactions.

Interest rates

Product Name Tier Rate
Interest Calculated Interest Credited
& Access Account > $0 n/a Daily balance N/A
Account fees & charges
Monthly Base Balance Fee


Base Balance


Unlimited Free Transactions
  • Direct Credit
  • [email protected]™ deposit¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • Express Cheque Deposit
  • VISA Purchase
  • [email protected]™ withdrawal¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • BPAY®
  • Auto Transfer (internal/external)
  • Direct Debit
  • Member Cheque

Other fees & charges that apply to all of our accounts can be found on our fees and charges page

¹ [email protected]™ deposits and withdrawals are available only with an P&N ATM Card or VISA Debit or Credit Card. Cheques must be made out in the name of the cardholder to be accepted at [email protected]™ and are subject to 4 working days clearance.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

The & Access Account is only available to & Home Loan, & Home Loan Intro Rate, Simple Home Loan and & Investor Home Loan holders.

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