Access Account
Why choose an Access Account?
Visa Debit card
Use your card online, around the corner, and around the world.
No ongoing fees
Keep your money in your account with no monthly or transaction fees.
Digital banking
Easily manage your money using the BCU Bank app and internet banking.
Free ATM access
Unlimited fee-free withdrawals at all atmx and major bank ATMs across Australia.
The features don't stop there
- Tap and pay securely using your mobile phone using Apple Pay, Google Pay™, or Samsung Pay.
- Transfer or make payments on the go with the BCU Bank mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Round up your purchases and add to your savings every time you spend with Pay&Save. Link your iSaver, Boss Saver or Bonus Saver to your Access Account using the mobile app to get started.
- Temporarily lock your card or block certain transactions such as overseas purchases or Visa payWave.
- Deposit and withdraw cash and make balance enquiries at Australia Post using Bank@Post if you can't make it to a BCU Bank branch.
Get more from your everyday account
Open an iSaver alongside your BCU Access Account to make every transaction count. Automatically round up your purchases to the nearest $1, $5, or $10, and Pay&Save will send the spare change directly to your savings account. It’s like saving on autopilot!
Rates and fees
Interest rates
| Interest rate | Interest calculated | Interest credited |
|---|---|---|
| 0.00% p.a. | N/A | N/A |
| The basics | |
|---|---|
| Monthly fee | $0 |
| Minimum monthly balance | No |
| Everyday transactions | |
|---|---|
| Internet banking & mobile app transfer | Free |
| EFTPOS and Visa purchase | Free |
| Direct debits and credits | Free |
| BPAY® | Free |
| Withdrawal at atmx and major bank ATMs in Australia | Free |
| Non-standard transactions | |
|---|---|
| Bank@Post™ withdrawal | Free |
| Bank@Post™ deposit | Free |
| Card replacement - standard | $10.00 |
Other fees and charges may apply. See all fees and charges for transaction and savings accounts.
Ready to open a transaction account?
Existing customers
Already a BCU Bank customer? You have good taste. To open an account, just log in to internet banking or the BCU Bank app, and go to ‘Open account’ in the main menu.
New customers
If you’re over 18 years of age, you can open your account online in minutes. It’s quick and easy and you’ll soon be enjoying all the benefits of being a BCU Bank customer.
Open your account in person at a branch
We’d love to see you in person. Visit your nearest BCU Bank branch to open an account.
New customers
If you're a new customer you’ll need to be at least 18 years old and have a current Australian drivers licence or passport to open your account online.
You will also need to be:
- an individual (not a business or association)
- an Australian resident with a current Australian residential address.
Handy hint: Have your tax file number ready. If you earn more interest than the limit set by the ATO, you need to pay tax. To avoid this, provide your tax file number when applying.
Open your account in person at a branch
If you don’t already bank with us, you’ll need to bring your Australian driver licence or a valid Australian passport for ID.
Alternative identification documents are available for anyone who:
- is under 18 years of age.
- is a non-resident.
- doesn't have an Australian photo identity document.
Existing customers
Already a BCU Bank customer? You have good taste. To open an account, just log in to internet banking or the BCU Bank app, and go to ‘Open account’ in the main menu.
New customers
If you’re over 18 years of age, you can open your account online in minutes. It’s quick and easy and you’ll soon be enjoying all the benefits of being a BCU Bank customer.
Open your account in person at a branch
We’d love to see you in person. Visit your nearest BCU Bank branch to open an account.
New customers
If you're a new customer you’ll need to be at least 18 years old and have a current Australian drivers licence or passport to open your account online.
You will also need to be:
- an individual (not a business or association)
- an Australian resident with a current Australian residential address.
Handy hint: Have your tax file number ready. If you earn more interest than the limit set by the ATO, you need to pay tax. To avoid this, provide your tax file number when applying.
Open your account in person at a branch
If you don’t already bank with us, you’ll need to bring your Australian driver licence or a valid Australian passport for ID.
Alternative identification documents are available for anyone who:
- is under 18 years of age.
- is a non-resident.
- doesn't have an Australian photo identity document.
Get the most out of your everyday account
Because we're here to help
Open an account online
You'll be able to start using your Access Account with your instant digital card in minutes.
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
Got a question about bank accounts?
If you’re new to BCU Bank you can easily open an account online in a matter of minutes.
You’ll need to:
- be at least 18 years old
- have a current Australian driver’s licence or Australian passport document
- have access to your mobile phone with a camera
You can open most of our everyday and savings accounts online, and from there you'll also be able to open a term deposit from internet banking or the mobile app.
If you already bank with us – great choice! You can open most deposit accounts in your name online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.
To help manage your everyday banking you can have as many Access Accounts as you need.
You can open your first Access Account online or in branch.
To open an additional Access Account you can call us on 1300 228 228 message us, or or visit your local branch.
You should receive your physical Visa Debit card by mail within 7-10 business days.
If you've recently opened a new account online, you can set up your digital card straight away and use it with the digital wallet on your smartphone.
You can set up your digital wallet to access your funds straight away - for example, if you order a new card, or in the event your card is ever lost or stolen and needs to be replaced.
Below you'll find step by step instructions on how to add your digital card to your digital wallet using the BCU Bank mobile app.
- Login to your mobile app and from the menu select Manage cards.
- Select enable for the card you wish to add to your Digital Wallet.
- Select Add.
- Confirm you are adding your card to your digital wallet.
- Your mobile device will establish a connection with the bank to add your card.
- Read and accept the terms and conditions.
- Your device will now configure your card for use.
- Complete the verification steps to validate you are authorised to add your card to your mobile device.
- You will receive a text message with your activation code.
- Your card is all set up for use and can now be accessed using the wallet feature on your phone and the payWave function at any eftpos terminal.
Adding your BCU Bank Visa Debit card via the mobile app will limit your card to the Visa network for purchases. If you prefer to use your card on the eftpos network, you will need to set up your digital wallet using your device's Wallet app. See our digital wallets page for more information.
Still unsure? Contact us on 1300 228 228 or visit your nearest branch and we'll help you get started.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Read the relevant product terms and conditions before deciding if a product is right for you.
Bank@Post™ deposits and withdrawals are available only with a BCU Bank VISA card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and require a minimum of 7 business days for clearance.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.