Transactionals ranked.
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This spreadsheet was updated on the 21st of May 2019. It takes into account general transactional features as well as savings rates.
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This spreadsheet will only show banks covered by the government guarantee and have an ADI license. This sheet is ranked over various features and EUOM.
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Rank
Bank nameTransactional OfferingSavings OfferingJointAccount Keeping Fee per monthCard TypeNPP enabledMobile paymentsInternational %International ATM
Overdrawn Fee
Card TypeATM fee-free accessBranchesBank@PostPoints
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1 UBank (NAB subsidiary)USaver Ultra (18+ only)2.87% per annumNo fee per monthDual network Visa/EftposApple Pay, Google PayNo feeNo feeNo feeDebit Visa + EftposBig 4None10/11.5
5
2 Up BankingUp Transaction Account2.75% per annumQ3No fee per month
Dual network Mastercard/Eftpos
Apple Pay, Google PayNo fee$5 per withdrawalNo fee
Debit Mastercard + Eftpos
Big 4 + Suncorp + BendigoNone✓ Not official9.5/11.5
No BPay or Joint Account offering at the moment. Must use card 5 times per month in order for higher savings rate.
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3 INGOrange Everyday/Youth2.80% per annum*No fee per monthDual network Visa/EftposApple Pay, Google PayNo fee*No fee*No feeDebit Visa + EftposEvery ATM*None8.5/11.5
Must meet $1k deposit per month and 5 card transactions per month to receive benefits with * when you are 18+
Points deducted (-2 for 1k deposit requirement)
7
4 Macquarie BankMacquarie Transaction1.1% per annumNo fee per month
Dual network Mastercard/Eftpos
Apple Pay, Google PayNo feeNo feeNo fee
Debit Mastercard + Eftpos
Every ATMNone8/11.5
Points added (0.5) for every ATM rebate
8
5 -Bank of QueenslandDay2Day Plus
4% per annum (<25)
No fee per monthDual network Visa/Eftpos
Google Pay, Samsung Pay
3%$5 per withdrawal$15 per dayDebit Visa + EftposBig 4 + Bank of Queensland7.5/11.5
Reverts to 2.8% after 24y/os.
Points added for higher interest (+2)
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6 HSBCEveryday Global (18+)2.5% per annumNo fee per month
Dual network Mastercard/Eftpos
Apple Pay, Google PayNo feeNo fee$9Debit Visa + EftposBig 4 + HSBC network7.5/11.5
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6 MyStateGlide2.6% per annumNo fee per monthDual network Visa/EftposApple Pay, Google PayNo fee$5 per withdrawal$30!Debit Visa + EftposBig 47.5/11.5
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6 CUAEveryday Account2.9% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay2.75 %$5 per withdrawal$15Debit Visa + EftposBig 47.5/11.5
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6 Endeavour Mutual BankS1 Access2.75% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay3%$5 per withdrawal$12Debit Visa + EftposBig 4Cost7.5/11.5
.5 deducted for Bank@Post costs.
.5 deducted for Bank@Post costs.
13
6 Credit Union SAAccess Account1.8% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay3%No feeNo feeDebit Visa + EftposBig 4 + RediATM network7.5/11.5
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6 BankAustraliaEveryday Access2.5% per annum$5 unless low income or <21Dual network Visa/EftposApple Pay, Google Pay3%No feeNo feeDebit Visa + EftposBig 47.5/11.5
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6 Suncorp
Everyday Options (18+ only)
2.6% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay3%No fee$10Debit Visa + Eftpos
Big 4 + Suncorp + Bendigo + RediATM
7.5/11.5
16
12
Bankwest (CBA subsidiary)Everyday Transactional2.6% per annumNo fee per month
Dual network Mastercard/Eftpos
Apple Pay, Google Pay2.75 %$5 per withdrawal$10
Debit Mastercard + Eftpos
Big 46.5/11.5
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12 -Beyond BankPurple Transaction1% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay3%No feeNo feeDebit Visa + EftposBig 46.5/11.5
18
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NAB
Classic Banking (18+ only)
2.4% per annumNo fee per monthDual network Visa/EftposApple Pay, Google Pay3%$5 per withdrawalNo feeDebit Visa + EftposBig 46.5/11.5
19
16
CitibankCitibank Plus (18+ only)1.75% per annumNo fee per month
Dual network Mastercard/Eftpos
Apple Pay, Google PayNo feeNo fee$10
Debit Mastercard + Eftpos
Big 45.5/11.5
20
16
BankVicEzepac S20/212.4% per annumNo fee per monthDual network Visa/Eftpos3.65 %No fee for first 4 p/mthNo feeDebit Visa + EftposBig 45.5/11.5
21
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MeBankTransactional Account2.85% per annumNo fee per month
Dual network Mastercard/Eftpos
1.75%$5 per withdrawal$15
Debit Mastercard + Eftpos
Every ATMNone5/11.5
Points added (0.5) for every ATM rebate
22
19
People Choice Credit UnionActivate/Everyday2.55% per annum
$6.5 unless <24 (Activate) or have a CC
Dual network Visa/EftposApple Pay, Google Pay3%$5 per withdrawal$25Debit Visa + EftposBig 44.5/11.5
2 Bank@Post withdrawals free per month.
23
19
ANZAccess Advantage2.4% per annum$4 unless student or <21Dual network Visa/EftposApple Pay, Google Pay3%$5 per withdrawal$5Debit Visa + EftposBig 44.5/11.5
24
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Qudos BankGeneral Savings2.45% per annumNo fee per monthDual network Visa/Eftpos3.65 %No feeN/ADebit Visa + EftposBig 44.5/11.5
25
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Heritage BankSimply Access2.0% per annumNo fee per monthDual network Visa/EftposGoogle Pay3%$5 per withdrawal$10Debit Visa + EftposBig 44.5/11.5
26
19
BankSA, St.Ge, BoM (Westpac Group)
Everyday Banking2.45% per annum$5 unless student or <21Dual network Visa/EftposGoogle Pay3%
$5 unless Global Alliance
No feeDebit Visa + EftposBig 44.5/11.5
27
25
Bank of ChinaDemand Deposit
0.05% per annum
$5 unless $1000 in accountDual network Unionpay/EftposApple Pay, WeChat PayNo feeNo fee$10
Debit UnionPay + Eftpos
Big 4 + Bank of China3.5/11.5
28
25
Bank FirstEveryday Account2.2% per annumNo fee per monthDual network Visa/Eftpos2.5 %$2.5 per withdrawal$12Debit Visa + EftposBig 43.5/11.5
4 Bank@Post transactions free per month.
29
25
WestpacWestpac Choice2.3% per annum$5 unless student or <21
Dual network Mastercard/Eftpos
Google Pay, Samsung Pay
3%
$5 unless Global Alliance
$15
Debit Mastercard + Eftpos
Big 43.5/11.5
30
25
Commonwealth Bank of Australia
Smart Access1.65% per annum$4 unless student or <21
Dual network Mastercard/Eftpos
Apple Pay, Google Pay3%
$5 unless ASB/CB then $2
$10
Debit Mastercard + Eftpos
Big 4 + Bankwest3.5/11.5
31
25
QBankPlus Transaction2.2% per annum$4 unless student or $1.5k dep p/mthDual network Visa/Eftpos3.65 %No fee$30!Debit Visa + EftposBig 4 + QBank3.5/11.5
32
29 -Bendigo BankEveryday Transactional1.25% per annum$6 unless $2000dep/mth
Dual network Mastercard/Eftpos
Apple Pay, Google Pay3%$5 per withdrawal$30!
Debit Mastercard + Eftpos
Big 4 + Suncorp + BendigoCost3/11.5
.5 deducted for Bank@Post costs
33
29 -IMBEveryday Account1.4% per annum$6 unless $2000dep/mth or studentDual network Visa/EftposApple Pay, Google Pay
3% or $5 (higher)
$5 per withdrawal$25Debit Visa + EftposBig 4 + IMBCost3/11.5
.5 deducted for Bank@Post costs
34
29
Bank of UsGo To2.0% per annum$6 unless student or <21Dual network Visa/Eftpos2.5 %$5 per withdrawal$20Debit Visa + EftposBig 4Cost3/11.5
.5 deducted for Bank@Post costs.
35
29 N
Greater BankUltimate Access3.00% per annumNo fee per monthDual network Visa/Eftpos3%$5 per withdrawalNo feeDebit Visa + EftposBig 4*3/11.5
-3 points deducted for 2k deposit in order to remove transaction fees like eftpos cash out and sav/cheq purchases.
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32
Bank of SydneyEveryday Saver
0.85% per annum
No fee per monthDual network Visa/Eftpos3%No feeN/ADebit Visa + EftposBig 4Cost1.5/11.5
.5 deducted for Bank@Post costs.
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