The rates outlined below are effective 01 March 2025. The following fees and charges may apply to everyday and savings accounts.
These should be read in conjunction with the fees and charges specified for the product on their individual product pages.
Bank services fees
| Fee type | Fee amount |
|---|---|
| Bank Cheque Fee | $10.00 |
| Cash Handling Fee Charged at the time of transaction for deposits and/or withdrawals of bulk coin and/or notes. |
|
| Coins: Available at BCU branches. These fees are applicable to all accounts. Coin deposits must be counted and bagged by customer or a fee of 5% of the coin amount applies. | 5% of the coin amount |
| Notes: Over $10,000 per day | 0.25% of the note amount |
| Manual External Transfer Fee Staff assisted manual transfer to another organisation |
$2.50 per payment |
Cards
| Fee type | Fee amount |
|---|---|
| Card Replacement Fee For the replacement of lost or damaged Visa Debit card: |
|
| Standard replacement | $10.00 |
| Urgent replacement | $50.00 |
|
Emergency Card Replacement Fee |
|
| Declined | $70.00 |
| Approved | $320.00 |
| Visa Chargeback Request Fee When a cardholder raises a dispute relating to a card transaction. |
$25.00 |
Real Time Gross Settlement (RTGS) and foreign currency fees
| Fee type | Fee amount |
|---|---|
| Cash Passport | |
| Initial activation | $10.00 |
| Reload | $10.00 |
| Foreign Cheques | |
| Foreign cheque deposits less than $25,000 AUD | $10.00 |
| Foreign cheque deposits $25,000 AUD or more | $60.00 |
| International Transfers | |
| Online International Transfer (iBank) | $15.00 |
| Telegraphic Transfer, converted to foreign currency prior to transmission (in branch) | $30.00 |
| Telegraphic Transfer, if currency remains in AUD (in branch) | $45.00 |
|
RTGS |
|
| RTGS From Another Bank |
$8.00 |
| RTGS To Another Bank (Local payments only) | $25.00 |
|
Visa Foreign Currency Conversion Payable when you make a transaction using your Visa Credit or Visa Debit card:
Please note: It may also not always be clear that the merchant or its financial/payment processor is located or registered outside Australia. |
3% of the transaction’s value in AUD |
Dishonour fees
| Fee type | Fee amount |
|---|---|
| Auto Transfer Dishonour Fee Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made. |
$6.00 |
| Dishonour Fee Where a direct debit is dishonoured due to insufficient funds. |
$6.00 |
| Overdrawn Account Management Fee Applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50. |
$10.00 |
| Referral Fee Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by BCU. |
$3.50 |
Other fees
| Fee type | Fee amount |
|---|---|
| Audit Certificate Fee | $30.00 |
| Manual Trace Fee | $40.00 |
| Statement Retrieval Fee Statement retrieval if more than 12 months old: |
$2.50 |
Product specific fees
| Fee type | Fee amount |
|---|---|
| BCU Business Access Account | |
| Monthly Account Keeping Fee | $20.00 (waived for Not for Profit organisations) |
| BCU Business Basic Access | |
Staff Assisted Deposit or Withdrawal Fee |
$2.50 |
| Staff Assisted BPAY Fee | $0.50 |
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Important information
BCU Bank can change the standard fees and charges that apply to accounts from time to time. Please refer to the terms and conditions for notification requirements.
This document should be read in conjunction with Savings Accounts & Account Access Channels Terms and Conditions and the interest rates applicable to the account. Together they form your terms and conditions.
The terms and conditions relate to BCU Bank savings accounts, transaction accounts (including our Business Basic Access, Business Access and Business iSaver Accounts) and associated non-cash payment services.
Copies of these documents are available from any BCU Bank branch, on our website, or by calling us on 1300 228 228.