Pay and Save

Make the most of your money with our Pay and Save accounts

86 400 Visa Debit card

No monthly feesEver

2.50% p.a.Easy to earn bonus interest

Government guaranteedUp to $250,000 1

Designed to help you out, not catch you out

  • Earn 2.50% p.a. on Save account balances (up to $100,000) when you deposit $1,000+ per month into any of your 86 400 accounts. This variable rate is made up of 0.40% p.a. base plus 2.10% p.a. bonus.
  • We’ll even help you grow your savings with a little nudge each month if you’re not on track.
  • And best of all, you can take your money out any time without affecting your bonus interest.

And you can pay any way you like

It's your money after all. Use your Visa Debit card — or leave your wallet at home and pay with your mobile or watch.

  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay
  • Osko Pay
  • Visa Debit

Most fees are free

But there are a few we need to pass on.

  • Monthly account fee
    Free
  • Payments using our app
    Free
  • Domestic card payments
    Free
  • ATM cash withdrawals
    Free At over 10,000 Australian bank ATMs
  • International card payments
    1.5%
  • Direct debit dishonours
    Free
  • Replacement card in Australia
    Free ($7 for express post)
  • Emergency Visa replacement card or cash
    $50

1. Our deposits are guaranteed up to $250,000 per customer by the Australian Government’s Financial Claims Scheme.