Compare Everyday Accounts

An everyday account is where your pay lands and your bills are paid from, so what it costs each month matters more than the interest it pays. Compare everyday accounts from 69 Australian banks below by monthly fee and how to have it waived, ATM and overseas fees, and interest where it is paid. They are listed from the lowest monthly fee, which is not a recommendation.

Rates checked against every provider’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 29 Oct 2026
Written by Joshua PevyReviewed by Jordan PearceLast updated 29 Oct 2026How We Rank This PageEditorial StandardsOur Writers

Comparing 145 accounts

14 membership-required products hidden from this list.

ProductATM feeOverseas feeActions
Bank AustraliaMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

The no monthly account fees basic bank account for health care and concession card holders.

Bank AustraliaMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rate0.05%

The full-featured, clean money transaction account for your pay or pocket money.

Bank FirstMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

Everyday Transaction account

Bank FirstMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rate0.05%

Preschool Transaction Account

Bank FirstMonthly fee$0ATM feeNot statedOverseas feeNot statedInterest rate2.65%

School Transaction Account

Bank of MelbourneMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

An everyday bank account that has all the features to help make managing your day-to-day money a breeze

Bank of MelbourneMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

A basic, low-cost account for individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income…

Bank of MelbourneMonthly fee$0ATM feeNot statedOverseas feeNot statedInterest rateNone

The Bank of Melbourne Society Cheque Account is a transaction account for not-for-profit organisations to deposit or withdraw funds by various channels.

Bank of QueenslandMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

Our simple, intuitive everyday transaction account, made even better for you with user-friendly features that help you make the most of your money.

BankSAMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

An everyday bank account that has all the features to help make managing your day-to-day money a breeze

BankSAMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

A basic, low-cost account for individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income…

BankSAMonthly fee$0ATM feeNot statedOverseas feeNot statedInterest rateNone

The BankSA Society Cheque Account is a transaction account for not-for-profit organisations to deposit or withdraw funds by various channels.

BankwestMonthly fee$0ATM fee$0Overseas fee$0Interest rateNone

Our Easy Transaction Account is an everyday spending account with no monthly maintenance fee

Bendigo BankMonthly fee$0ATM fee$0Overseas fee3.00%Interest rateNone

This easy to use transaction account is for customers with an eligible Commonwealth Government concession card. Designed for everyday banking with free e-banking transactions, 24 hour ATM and EFTPOS…

Bendigo BankMonthly fee$0ATM fee$0Overseas fee3.00%Interest rateNone

A simple account offering internet banking, phone banking and card access for everyday banking.

Commonwealth BankMonthly fee$0ATM feeNot statedOverseas feeNot statedInterest rateNone

A choice of investment alternatives within one account with competitive interest rates.

Commonwealth BankMonthly fee$0ATM fee$5Overseas fee3.50%Interest rateNone

A transaction account for eligible not-for-profit and community organisations and associations, and organisations that operate for the benefit of the wider community. You can set one up in any of our…

Commonwealth BankMonthly fee$0ATM fee$0Overseas fee3.50%Interest rateNone

An everyday bank account for health care or pensioner concession card holders or receiving a government benefit payment that makes you eligible to hold a card.

Credit Union SAMonthly fee$0ATM feeNot statedOverseas fee3.00%Interest rateNone

Our Access Account is transaction account, Enjoy an easy-to-use account with no monthly fees. Free Visa debit card is provided, with payWave. You can request a free Visa Debit Card with payWave which…

Defence BankMonthly feeFrom $0ATM feeNot statedOverseas fee3.00%Interest rateNone

Your on-the-go transaction account, the Everyday Access account is the way to managing your day-to-day banking.

Important information

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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

We do not compare every everyday account available in Australia, and this table does not compare every feature that may be relevant to you. Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability. Changing the filters will surface further relevant products. See how we sort and rank products.

Some providers pay us to promote a product or for a click through to their site. Any paid listing is marked “Sponsored Placement” wherever it appears. Payment never determines which products we show: we consider all relevant products in the market against the filters applied, and payment never changes the figures we display. See how we make money and our advertiser disclosure.

This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions before deciding. CompareThat compares products. We do not arrange, approve or process applications.