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Learners & Earners All Access account

The Learners & Earners All Access account is an everyday transaction account specifically for our Members undertaking full-time study or under an Australian apprenticeship, between the ages of 18 and 23.


  • Unlimited free transactions each month*
  • Visa Debit card with Visa payWave access
  • Pay your bills using BPAY®
  • Direct debit and cheques available
  • Unlimited access to internet banking, mobile app or phone banking
  • Use your Visa Debit Card in most overseas ATMs
  • Elect to receive statements electronically, access them anytime
  • Automated payroll split option – separate your pay between your savings and spending accounts
  • Link to the Future Start Savings account
  • No minimum opening balance

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*Not all transactions are included in the free transactions. Refer to our Fees and Charges brochure for the transactions which do not incur a fee and for other fees and charges which may apply.

All interest rates quoted are per annum and are calculated on a tiered basis. Rates are subject to change without notice.

Before acquiring this product you should read the Personal Savings and Transaction Accounts brochure to view the terms and conditions of this account and to determine if this product is right for you.


Interest Rate


Current Rate

$5,000 plus 0.01% p.a.
$0 – $4,999 0.00% p.a.


 Rates effective 1 August 2018.