
Why choose an Access Account?
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.
- Link an eligible savings account in the BCU Bank app, round up your purchases, and save every time you spend with Pay&Save.
- 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.

Rates and fees
Interest rates
Interest rate | 0.00% p.a. |
Interest calculated | N/A |
Interest credited | 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.
Open a bank account online in minutes
To open an account online, you'll need to be:
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.
Get the most out of your everyday account


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.
Because we're here to help
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.