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Compare our transaction account information, features, interest rates and fees. Select the account to best suit your needs.

Our bank accounts Complete Freedom Retirement Access Plus Concession Account
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Account-Keeping Fee $0 $0 $0
Overdraw Preference Feature  

Unless one or more account holders is under 18 years of age.


Unless one or more account holders is under 18 years of age.


Your account balance will no longer be able to go below $0 unless we can’t stop a payment from your account. If a payment is processed and your account balance goes below $0, there is no overdrawn fee or interest.

Interest rates   p.a.  
All balances   See interest rates  
Unarranged Lending Rate 15.01% 15.01%  
Internet & Phone Banking      
SMS/Email alerts      
Visa Debit Card1      
Transaction fees      
Overdrawn Fee $15.00 $15.00 $0
Staff assisted $0 $0 $0
Bank of Melbourne/St.George/BankSA/Westpac ATMs* $0 $0 $0
Internet Banking $0 $0 $0
Phone Banking $0 $0 $0
Visa Debit1 $0 $0 $0
EFTPOS $0 $0 $0
Cheque withdrawal $0 $0 N/A
Bank@Post™ $0 $0 $0
Direct Debit $0 $0 $0
Periodical payment $0 $0 $0
SMS Alerts $0 $0 $0
Email Alerts $0 $0 $0
Overseas cash withdrawal(including overseas ATM withdrawal)^ $5.00 $5.00 $5.00
Frequent statement (per month) $0 $0 $0
Foreign currency conversion 3.00%
3.00% 3.00%
Electronic Agency $0 $0 $0
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Important information

Conditions and fees apply.

Before making a decision, it’s best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 13 76.

This information doesn't take your circumstances into account. Read the terms before making a decision.

* Non-Westpac Group branded ATMs apply an ATM operator fee by the ATM Owner, which is disclosed at the time of the transaction on the ATM screen. This fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement. 

^ Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. To find an overseas ATM that is part of the Global ATM Alliance, visit

1.     To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over. If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch.