Pay account

The smart way to pay everyday

86 400 Visa Debit card

No monthly feesEver

Starting spending instantlyDon't wait for the plastic, add your card to Apple Pay or Google Pay

Travel stress freeWith no international
card payment fees

It pays to bank smart! 🙌

Sign up using the code WELCOME20 and get $20 after your first purchase.

Offer available for a limited time. T&Cs apply.

And you can pay any way you like

It's your money after all so spend it in a way that works for you. You can use your Visa Debit card, mobile or watch in Australia and overseas. Use your app to pay your friends in real time and your regular bills.

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

Plus, receive money instantly with PayID

Tired of remembering your BSB and account number? Create a PayID by linking your mobile or email address to any of your Pay or Save accounts.

Smarter banking without the fees

We don't charge you for everyday use of your Pay account.

  • Set up and monthly fees
    Free
  • Payments using the 86 400 app
    Free
  • Using your card in Australia
    Card purchases and ATM cash withdrawals
    Free
    Some ATM operators may charge a fee
  • Using your card overseas
    Card purchases and ATM cash withdrawals
    Free
    Some ATM operators may charge a fee
  • Direct debit dishonours
    Free
  • Replacement card in Australia
     
    Free
    ($7 for Express Post)
  • Emergency Visa replacement card or cash
    $50

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.

Android, Google Pay and Google Play are trademarks of Google Inc.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.