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Easy access to everyday banking

Concession Account

A BCU Concession Account is a low cost everyday bank account specifically designed for eligible concession card holders.


No monthly fee

Save with no ongoing fees

Visa Debit card

Quick and easy online and in-person payments

Free ATM withdrawals

Available at all BCU, atmx and major bank ATMs

For concession card holders

Low cost, everyday banking

All the details

Visa Debit card Easy access to your money online, over the phone and anywhere in the world where Visa is accepted. Yes
BPAY Pay your bills easily and securely. Yes
Direct debit Set and forget automatic payment of your regular bills. Yes
Osko Send and receive money in near real time between participating banks. Yes
Bank@Post Deposit cash and cheques, withdraw cash or make balance enquiries at Australia Post if you can't get to a BCU branch. Yes
Digital wallets Tap and pay with your mobile phone using Apple Pay, Google Pay or Samsung Pay. Yes
Internet banking Convenient and secure access through BCU iBank is available 24/7. Yes
Mobile app Manage your money on the go with the BCU Bank app straight from your phone. Yes
Card controls Temporarily lock your card or block certain transactions such as overseas purchases or Visa payWave. Yes
DescriptionFeeNumber of free transactions
Staff assisted withdrawal / deposit / transfer / future payment $0.00 Unlimited
Staff assisted BPAY / bill payment services $0.00 Unlimited
EFTPOS transactions $0.00 Unlimited
Direct debit $0.00 Unlimited
Internet banking - BPAY / external transfer $0.00 Unlimited
BCU, atmx or major bank ATM withdrawal $0.00 Unlimited
Bank@Post deposit / declined deposit $0.00 Unlimited
Bank@Post withdrawal / declined withdrawal $0.00 Unlimited
Monthly fee $0.00 N/A

View all fees and charges relating to Access and Savings accounts

What you need

  • An eligible Commonwealth Government concession card.
    - Commonwealth Seniors Health Card
    - Pensioner Concession Card
    - Health Care Card

Apply at a BCU branch

Open your new account by visiting your nearest BCU branch. You must fit the eligible criteria for this account type.

If you’re joining as a brand new member, you need your Australian driver's licence or a valid passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Original and certified copies of documents are accepted.

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Important information

    Download Savings Account & Account Access Channels Terms and Conditions
    Download Fees and Charges
    An overdraft facility is not available on a concession account, and it is not permitted to overdraw.