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
- Instant digital card when you open an account online
- Visa Debit card access
- Interest paid on your balance
- Round up with Pay&Save
Advantage Saver
Earn interest on amounts over $2,000 with a combined transaction and savings account for over 55s.
- No monthly fees
- Instant digital card when you open an account online
- Visa Debit card access
- Interest paid on your balance
- Round up with Pay&Save
Concession Account
A low-cost transaction account designed specifically for eligible Commonwealth Government concession card holders.
- No monthly fees
- Instant digital card when you open an account online
- Visa Debit card access
- Interest paid on your balance
- Round up with Pay&Save
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
To open your account online you will need to be:
- over 18 years of age.
- an individual (not a business or association).
- an Australian resident with a current Australian residential address.
And you’ll need to provide two of the following:
- a valid Australian driver licence
- an Australian passport
- a Medicare card (green)
Handy hint: Have your tax file number ready. It’s not compulsory to provide it but, if you earn more interest than the limit set by the ATO, withholding tax may be deducted from any interest paid into your account. 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
To open your account online you will need to be:
- over 18 years of age.
- an individual (not a business or association).
- an Australian resident with a current Australian residential address.
And you’ll need to provide two of the following:
- a valid Australian driver licence
- an Australian passport
- a Medicare card (green)
Handy hint: Have your tax file number ready. It’s not compulsory to provide it but, if you earn more interest than the limit set by the ATO, withholding tax may be deducted from any interest paid into your account. 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.
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.