Access Savings Account
The Access Savings Account is an everyday account with convenient banking access to your money. With the added option to attach a line of credit which allows you to access a certain amount of credit being an ideal solution for unexpected expenses.
Category: Transaction & Savings Accounts Last Updated December 11, 2024 Effective December 18, 2024
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information Unsecured Line of Credit, variable rate. Interest calculated only on the credit amount you use. Conditions apply.
Interest Rate
14.49% PA
14.49% PA
Comparison Rate
0.00%PA*
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
- Bill Payment Additional Information: BPAY available.
- Card Access
- Digital Banking Additional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services
- Digital Wallet Additional Information: Load your Beyond Bank Visa Debit card to your phone to make fast and easy transactions.
- Notifications Additional Information: Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.
- Npp Enabled Additional Information: New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.
- Npp Payid Additional Information: New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.
- Overdraft Additional Information: Optional. Normal lending criteria applies.
Product Eligibility
- Min Age - 18. Additional Information: Minimum Age is 18 years of age
- Natural Person
- Other Additional Information: Membership: You must be or become a Beyond Bank Australia member
- Other Additional Information: Lending criteria applies.
- Residency Status - Australian Citizen. Additional Information: Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.
Bank Fees and Charges
- Visa Purchase With Cash Out (Transaction), Amount: 0.90.
- Staff Assisted Transfer Fee (Transaction), Amount: 2.50.
- Bank@post Deposit Fee (Transaction), Amount: 2.00.
- Bank@post Withdrawal Fee (Transaction), Amount: 4.50.
- Cash Advance/overseas Atm Fee (Transaction), Amount: 4.50.
- Bpay Payment Fee (Transaction), Amount: 2.50.
- External Payment Fee (Transaction), Amount: 2.50.
- Bill Payment Fee (Transaction), Amount: 1.50.
- Direct Debit Fee (Transaction), Amount: 0.50.
- Otc Withdrawal Fee (Transaction), Amount: 2.50.
- Eftpos Fee (Transaction), Amount: 0.90.
- Honour Overdrawn Account Fee (Event), Amount: 11.00.
- Ib External/payid Transfer Fee (Transaction), Amount: 1.00.
- Line Of Credit Approval / Variation Fee (Upfront), Amount: 195.00. Additional Information: This fee is payable when you apply for new or increased credit or request a change to your line of credit contract.
- Default Notice Fee (Event), Amount: 20.00. Additional Information: This fee is payable whenever we send you a default notice because you have defaulted under the contract.
- Default Fee On Line Of Credit (Event), Amount: 25.00. Additional Information: This fee is payable on the 15th day of every month whilst you are in default.
Limitations & Restrictions (Constraints)
- Max Limit of 140000.00 Additional Information: Maximum credit limit for line of credit.
- Min Limit of 2000.00 Additional Information: Minimum credit limit for line of credit.
Document Downloads
product-guide-website.pdf (636.2 KB)
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