Everyday Accounts
Everyday Essentials Account
A basic day-to-day transaction account for low- and no-income earners, holders of concession and health care cards or recipients of government income support.
Canstar 2024
Outstanding Value Transaction Accounts Award
No monthly account keeping fees
With no deposit requirements or
other strings attached.
No foreign currency conversion fees
0% foreign currency conversion fees on Visa Debit card† purchases.
Spend smarter with Visa Debit†
Access cash, shop online or instore, or go cardless with Apple Pay and Google Pay.
Overdraft prevention
Prevents most transactions from overdrawing your account.£
Banking you can feel good about
No foreign currency conversion fees
Suncorp Bank can help make spending overseas easier.
For eligible account holders with a Suncorp Bank Visa Debit card, Suncorp Bank has no foreign currency conversion fees† and no cash advance fees for withdrawals at ATMs outside of Australia>.
Earn cashback with Feel Good Rewards
Get cashback on exciting retail and dining offers. No promo code or special app needed.
Feel Good Rewards has great deals on some of Australia’s favourite brands. It’s easy: just make an eligible purchase# with an eligible Suncorp Bank Visa Debit card.‡ You can earn cashback at participating retailers, restaurants and more.
Your security is our top priority
We go to great lengths to help keep your money safe online.
Suncorp Bank applies a range of security measures to keep your personal information safe. We use security options such as real-time fraud monitoring, secure encryption and 2-factor authentication.
Banking you can feel good about
No foreign currency conversion fees
Suncorp Bank can help make spending overseas easier.
For eligible account holders with a Suncorp Bank Visa Debit card, Suncorp Bank has no foreign currency conversion fees† and no cash advance fees for withdrawals at ATMs outside of Australia>.
Earn cashback with Feel Good Rewards
Get cashback on exciting retail and dining offers. No promo code or special app needed.
Feel Good Rewards has great deals on some of Australia’s favourite brands. It’s easy: just make an eligible purchase# with an eligible Suncorp Bank Visa Debit card.‡ You can earn cashback at participating retailers, restaurants and more.
Your security is our top priority
We go to great lengths to help keep your money safe online.
Suncorp Bank applies a range of security measures to keep your personal information safe. We use security options such as real-time fraud monitoring, secure encryption and 2-factor authentication.
Fast, secure and easy access to your money with the Suncorp Bank App
Log in quickly and securely
Use Touch ID, Face IDß or a 4-digit PIN.
Move your money
Transfer funds, pay bills and set up recurring payments, including BPAY® and Osko fast payments.++
Budget better
Know how much you’re spending by category with the Suncorp Bank Dollar Tracker.
Stay in control
Instantly lock and unlock your Visa Debit card if you misplace it.
So many ways to access your money
Who can apply?
This account could be right for you if you are:
- low- and no-income earners; or
- a holder of a Pensioner Concession Card, Health Care Card or Commonwealth Seniors Health Card; or
- a recipient of a Centrelink/Government income support payment.
Account owners must be 11 years or older (unless otherwise stated on the Product Information Document).
For Visa Debit Cards issued to customers aged 11-15 years of age, we will block known gambling, adult entertainment and certain other transactions involving restricted products or services.
Rates and fees
Interest Rates
There's no interest paid on money in this account however, if you're saving for a goal and would like to earn interest, you may also like to open one of our Saving Accounts.
Fees
No monthly account keeping fees.
No foreign currency conversion fees on Visa Debit card† purchases online and overseas
Foreign currency conversion fee on purchases online and overseas
0%
Unlimited fee-free transfers
Our Everyday Essentials account offers unlimited fee-free Suncorp Bank transactions.
ATM Fees
Suncorp Bank customers can access fee-free¢ cash withdrawals and balance enquiries at Suncorp Bank and atmx ATMs Australia-wide. You can also access the big four banks’ ATMs fee-free. Withdrawals and enquiries at other ATMs will incur the ATM operator fee by the financial institution who owns the ATM. This fee will be charged immediately at the time of the transaction to your Everyday Essentials main account.
Overdraft Fees£
0%
Open an account online in minutes
To speed through your application, verify your identity online. Just have your driver licence, Australian passport or Medicare card handy.
Once approved, you can add your Visa Debit card to your phone’s digital wallet instantly.
Get some quick answers
Home Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
† A Suncorp Bank Visa Debit Card is required. Suncorp Bank Visa Debit Cards are not available to overseas residents, Trustee accounts, accounts where the number to sign to operate is two or more (no form of card access is allowed) or minors. Suncorp Bank Visa Debit Cards must have an account linked as Primary Credit Relationship. Each customer may only have one Suncorp Bank Visa Debit Card per Primary Credit account.
To be eligible for a Suncorp Bank Visa Debit Card you must be 11 years of age or older. For Visa Debit Cards issued to customers aged 11-15 years of age, we will (where possible) block purchases from merchants using the following Merchant Category Codes: Dating Services (7273), Massage Parlours (7297), Gambling Transactions (7995) , Government-Owned Lotteries (Non-U.S. region) (9406), Government-Owned Lotteries (U.S. Region only) (7800), Government Licensed Casinos (Online Gambling) (7801), Government Licensed Horse/Dog Racing (U.S. Region only) (7802), Direct Marketing - Outbound Telemarketing Merchants (5966), Direct Marketing - Inbound Telemarketing Merchants (5967) .
£ Some transactions which may cause the account to become overdrawn include fees and other transactions that occur when Suncorp Bank is processing offline. If your account becomes overdrawn and has a negative balance we will not charge overdrawn fees or interest on the Everyday Essentials or Carbon Insights Account.
‡ An Eligible Card is a Suncorp Bank Visa Debit Card linked to Suncorp Bank personal transaction account (“Eligible Account”) for customers aged 18 or over. An Eligible Account does not include Suncorp Bank Growth Saver Account, Kids Savings Account or Suncorp Bank PayLater Account.
¢ Suncorp Bank is a member of the atmx by Armaguard (atmx) ATM Network. The deposit is taken by Armaguard on behalf of Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882) at all atmx ATMs. Fee-free access applies to the following transactions: a successful cash withdrawal, account balance enquiry, PIN change, transfer between Suncorp Bank accounts, or a cash deposit using a Suncorp Bank Visa Debit or Suncorp Bank eftpos Card. Daily withdrawal limits apply. Deposit up to 90 notes per transaction. Cheques deposits are not accepted at atmx ATMs for Suncorp Bank Customers. Terms and conditions apply. Find out more on our Suncorp Bank ATMs page.
ß Face ID login is available on the iPhone X and later models. Please refer to our Mobile Banking/Suncorp Bank App terms and conditions before using.
++Osko fast payments can only be made to a PayID or to the BSB and account number of an Osko enabled account at another Osko participating financial institution via the Suncorp Bank App, Internet Banking or by visiting a Suncorp Bank branch. Osko fast payments cannot be made from or to Passbook accounts, loan accounts (other than line of credit and overdraft facilities), Farm Management Deposit Accounts, PayLater accounts and Fixed Term Deposits. Osko fast payments cannot be made from Kids Savings Accounts, Agent’s Statutory Trust Accounts (QLD, NSW) and Solicitor’s Trust Accounts (QLD) but can be made to them. Staff assisted Osko fast payments cannot be made in branch from Carbon Insights Account and Sub-Accounts, Everyday Options Sub-Accounts, Business Saver Accounts or eOptionsAccounts. Payments from an Account which requires 2 or more persons to sign to withdraw, future-dated and recurring payments and Business Payment Credits will not be made as an Osko fast payment. For full details about terms and restrictions that apply to Osko fast payments please read our Terms and Conditions for Suncorp Bank Accounts and Continuing Credit Accounts and the Product Information Document applicable to your account.
#An eligible purchase is one completed via the Visa network with your eligible card, that satisfies the terms and conditions associated with each offer as provided by each participating merchant from time to time. You can choose the Visa network when prompted to do so, or selecting "credit” when completing a debit card transaction or using Visa payWave. Purchases made using an online payment platform (such as PayPal) are not eligible, even when an eligible card is linked to that online payment platform.
>Terms and conditions apply. Find out more on our Suncorp Bank ATMs page. Suncorp Bank does not charge foreign conversion fees or cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a linked Visa Debit Card. Some overseas ATM providers may charge you fees for transactions. For more information, please read the relevant Product Information Document & Terms and Conditions applicable to your account.
Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
App Store is a service mark of Apple Inc.
Google Wallet, The Google Wallet logo, Google Pay, The Google Pay logo, Google Play and the Google Play logo are trademarks of Google LLC.
Android is a trademark of Google LLC.
The Canstar 2024 Outstanding Transaction Accounts Award was received in April 2024. The award recognises financial institutions that provide outstanding value to Australian consumers through their suite of savings and transaction products. Suncorp Bank products assessed included: The Carbon Insights Account, Everyday Essentials Account and Everyday Options Account. For more information on Canstar awards, go to https://www.canstar.com.au/star-ratings-awards/savings-and-transaction-account.
Partnered Network
Includes over 1,500 Suncorp Bank & Bendigo Bank ATMs
Purchases
payWave accepted for purchases over $100, however you’ll be required to enter your PIN.
