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
Australian Mutual BankMonthly fee$2.50ATM feeNot statedOverseas fee2.90%Interest rateNone

Your everyday transaction account with VISA Debit access.

Commonwealth BankMonthly fee$4Waived with you're under 30. (or 6 more)ATM fee$0Overseas fee3.50%Interest rateNone

An everyday bank account, giving you access to unlimited electronic transactions and features to help your spending and bills stay on track. Plus if you meet certain criteria, we'll waive your $4…

Community First BankMonthly fee$4ATM feeNot statedOverseas fee3.00%Interest rateNone

An everyday transaction account with a low monthly fee so you can shop, pay bills and access cash.

Community First BankMonthly fee$4ATM feeNot statedOverseas fee3.00%Interest rate2.75%

An everyday transaction account for members who are aged 55+. For one monthly fee, enjoy interest paid on balances and a range of ways to bank for added convenience.

ANZMonthly fee$5Waived with receive a disability support pension or mobility allowance from CentrelinkATM feeNot statedOverseas fee3.00%Interest rateNone

An everyday account with easy and secure banking, unlimited ANZ Transactions and Visa Debit card

Auswide BankMonthly fee$5Waived with regular payroll credits (or 4 more)ATM feeNot statedOverseas fee3.00%Interest rateNone

An everyday transaction account with a monthly fee and no transaction fees

Bank of ChinaMonthly fee$5ATM feeNot statedOverseas feeNot statedInterest rate0.01%
Bank of ChinaMonthly fee$5ATM feeNot statedOverseas feeNot statedInterest rate0.01%
Darling Downs BankMonthly fee$5ATM fee$1.50Overseas fee$4Interest rateNone
First Option BankMonthly fee$5Waived for the first 3 monthsATM feeNot statedOverseas feeNot statedInterest rate0.50%
First Option BankMonthly fee$5Waived for the first 3 monthsATM feeNot statedOverseas feeNot statedInterest rate0.05%
Unity BankMonthly fee$5Waived with members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, a…ATM fee$1Overseas feeNot statedInterest rateNone

An Access account will provide you with your everyday transaction account needs. Funds are available 24 hours a day, 7 days a week.

WestpacMonthly fee$5Waived with account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41sATM fee$0Overseas fee3.00%Interest rateNoneStudents only

An everyday account packed with features so you can bank your way with ease.

WestpacMonthly fee$5Waived with deposits of $2,000 or more (or 4 more)ATM fee$0Overseas fee3.00%Interest rateNone

Westpac Choice is our most popular account. A simple-to-use everyday bank account.

WestpacMonthly fee$5Waived with deposits of $2,000 or more (or 5 more)ATM fee$0Overseas fee3.00%Interest rateNone

A Westpac Choice everyday bank account for people who need to already be in Australia or arriving in the next 14 days to do this.

WestpacMonthly fee$5Waived with account-Keeping Fee (usually $5) is waived for under 41sATM fee$0Overseas fee3.00%Interest rateNoneFor under-18s

Get a head start with a Westpac Choice Youth account. A simple-to-use kids bank account with a debit card that will grow up with you.

Bank of usMonthly fee$6Waived with fee waived if the primary account holder is under 21 (or 2 more)ATM feeNot statedOverseas fee2.50%Interest rateNone

A low cost, super value everyday banking account and if you deposit more than $1000 into it a month (think your pay) then you?ll pay zero monthly account fee. Monthly account fee exemptions also apply

Bank of usMonthly fee$6Waived with fee waived if the account holder is under 21 (or 1 more)ATM feeNot statedOverseas fee2.50%Interest rateNone

Open a One For All account and Bank of us will make a donation equal to 1% of your average annual balance to your chosen community organisation. You'll also get a low cost fully featured everyday tran

bankWAWMonthly fee$6Waived with fee is waived when $2,000 per month is deposited into accountATM feeNot statedOverseas fee$1Interest rateNone
IMB BankMonthly fee$6Waived with balance of $2,000 or moreATM feeNot statedOverseas fee2.50%Interest rateNone

Access your money the way you want great features and unlimited transactions. A monthly account keeping fee applies, but is waived if you maintain a balance above $2,000 for the month.

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.