No ongoing fees
Keep your money in your account with no monthly or transaction fees.
Visa Debit card
Use your card online, around the corner, and around the world.
Free ATM access
Unlimited fee-free withdrawals at all atmx and major bank ATMs across Australia.
Digital banking
Easily manage your money using the BCU Bank app and internet banking.
Choose from our everyday accounts
Access Account
An everyday bank account with unlimited free standard transactions for all your daily spending needs.
- No monthly fees
- Visa Debit card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Advantage Saver
Earn interest on amounts over $2,000 with a combined transaction and savings account for over 55s.
- No monthly fees
- Visa Debit card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Concession Account
A low-cost transaction account designed specifically for eligible Commonwealth Government concession card holders.
- No monthly fees
- Visa Debit card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Open a bank account online in minutes
To open an account online, you'll need to be:
New customer
You can open a bank account online in just a few minutes – no paperwork, no pressure, just a few steps and you’re sorted.
Existing customer
It's quick and easy to open a new account whenever it suits you using internet banking or the BCU Bank app.
Am I eligible to open an account?
To open an account online, you’ll need to:
- be at least 18 years old
- live in Australia with a current residential address
- be applying as an individual (not a business or association)
What do I need to open an account online?
All you need is a NSW or QLD driver licence or valid passport to verify your identity.
We also recommend having your tax file number (TFN) ready. If you earn more interest than the limit set by the ATO and you haven’t provided us with your TFN, withholding tax may be deducted from the interest you earn.
Already bank with us?
You can open a new account through internet banking or the BCU Bank app – no additional ID required.
Prefer to visit a branch?
Drop into one of our branches to open your account in person. If you don’t already bank with us, you’ll need your Australian driver licence or passport.
Don't have photo ID, are under 18, or not an Australian resident? We also accept alternative forms of identification.
Looking to save instead?
Because we're here to help
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
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.