Everyday Transaction Accounts
Bank on. Everyday better banking.
Bank on $0 monthly account fees (no strings attached)
Our everyday accounts are packed with features designed to make your everyday a little easier.
Everyday Snap Account

A feature-packed everyday account for those aged 18+

  • $0 monthly account fees
  • Unlimited fee-free transactions
  • Refund of international card transaction fees*
Open in less than 5 minutes
Everyday Youth Account

An everyday youth account for those aged 10 to 17

  • $0 monthly account fees
  • Unlimited fee-free electronic transactions
  • Visa Debit card if you’re 14 or over^^
Open in less than 5 minutes
Everyday 50+ Account

An interest earning everyday account for those aged 50+

  • $0 monthly account fees
  • Unlimited fee-free electronic transactions
  • Interest paid on your balance
Open in less than 5 minutes

Saving’s now as easy as spending!

With Savings Top Up, you can add a little extra to your savings every time you spend!

Simply choose an amount between $0.01 and $5 to automatically transfer to your savings account when you make a transaction with your CUA Visa Debit card.

Lean more

Always know what’s happening with your account!

If you want to know when you’ve been paid or when your account drops below a certain amount, you can set up alerts by email or SMS.

Get notified on any transactions from your account with Notifications.

Lean more

Get rewarded when you combine your everyday banking and savings with CUA

By taking out an eSaver Reward and an everyday account, you can earn bonus interest on your savings, simply by depositing $1,000+ a month into your CUA Everyday Account.

And, with Savings Top Up, you can give your savings a boost with every purchase you make from your everyday account.

or more each month from an external account. (i.e. your salary)
Earn up to
0.85% p.a.
0.05% base rate +
Bonus 0.80% interest+
on balances up to $100,000

Why we're different

  • We're Australia's largest member-owned banking organisation
  • 70 years of putting members before profits
  • Focussed on supporting the community

Find out more about the CUA difference

Very satisfied. No fees no fuss. Easy app. Everything straight forward.
Yvonne, NSW
CUA Member

Once, twice, three times a winner.

We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!

Managing your money

How to shop without cash or touching the EFTPOS machine

We’re all adjusting to life in the ‘new normal’ of isolation and social distancing. And while regular hand sanitising and limiting contact with others are some of the ways to minimise the risk of contracting COVID-19, we still have to leave home to shop for life’s necessities. So how can we do it without putting our health at risk?

Why opening a joint account could be the next big step in your relationship

You and your partner have been together for some time, and you may have even walked down the aisle and had kids. Yet there could be one part of your lives that hasn’t quite come together completely – your money. Opening a joint bank account could help you save time and money, and take your relationship to the next level.

Send and receive money faster on your mobile

Find out how the process works with our step-by-step guide to consolidating your debt.

Important Information

+ Rate current as at 14 May 2021 and is subject to change. Interest rate of 0.85% p.a. comprises a base interest rate of 0.05% p.a. plus bonus interest of 0.80% p.a.. Bonus interest only applies to balances up to $100,000 when you deposit a total of $1,000 or more each month by bank transfer from an external (non-CUA) account into your CUA everyday transaction account. The CUA everyday transaction accounts that are eligible to receive the monthly deposit are the Everyday, Everyday Snap, Everyday Youth, Everyday 50+, Everyday 55+, Everyday Business, Prime Access, Freedom Plus and Platinum Plus Accounts. The base rate of interest will be paid on the portion of any balance exceeding $100,000. Interest is calculated daily on whole balances and paid monthly.

Credit Union Australia Ltd ABN 44 087 650 959, AFSL 238317. Conditions, fees and charges apply. This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information, including the Terms and Conditions (T&Cs) booklet, before acting on it. The Financial Claims Scheme may apply to this product; refer to the T&Cs for more information.

The CUA Everyday Account, CUA Everyday Snap Account and CUA Everyday Youth Account are designed to help you manage your day-to-day transactions, so they do not earn interest. For accounts that do earn interest, please consider the CUA Everyday 50+ Account (if you are eligible) or check our range of savings accounts and term deposits.

* A CUA fee rebate will be applied to your Everyday Snap Account on the first day of the next calendar month for all CUA Visa Debit International Transaction Fees, CUA Overseas ATM Cash Withdrawal Fees and CUA Overdrawn Fees debited during the current calendar month only if the following criteria are met: A. there is a deposit of at least $2,000 from a non-CUA bank account to your Everyday Snap Account prior to the last day of the current calendar month, and B. at least 5 Visa Debit card purchase transactions (card present and non-card present transactions but excluding ATM withdrawals, balance enquiries, Bank@Post transactions, cash advances and EFTPOS cash out only transactions) are made on your Everyday Snap Account and are processed and not at pending status prior to the last day of the current calendar month. International non-CUA fees may apply. Excludes rediCard international transaction fees.

>> Interest is calculated daily on a stepped basis and paid monthly. Interest paid at 0.01%p.a. on balances under $5,000, at 0.10% p.a. on balances from $5,000 to $50,000, and at 0.40% p.a. on the portion of the balance over $50,000.

> Minimum device requirements apply.

>| There is no fee for accessing your CUA accounts using your mobile. You may incur charges from your mobile provider – please check with your provider for more details. Access is subject to availability and maintenance.

^^ Visa Debit cards are available to members who have an Australian residential address and are aged 14 or over. rediCARDs are available to members aged 10 or over.