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Bank & Save

Purple Transactor Account.

Everyone hates fees. Keep your cash for the good stuff with $0 monthly fee, $0 fees for card purchases in Australia and $0 direct debit, BPAY and branch transactions.
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Features and benefits you'll love.

Ditch the fees
No fees for account keeping, card purchases in Australia or dishonours.
Fast, easy and secure
Tap and go with your Visa Contactless Debit card, Apple Pay¹, Google Pay² or Samsung Pay.³
Money in an instant
Send and receive money instantly⁴ between eligible accounts. Use your mobile number or email as your PayID.
Transact instantly with a Digital Card
Can't wait for your plastic Visa Card to arrive? Transact straight away with a Digital Card.
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Who can apply?

The Purple Transactor Account is available to individuals for personal, non-business use who are 18 years old or older. When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

Important rates, fees and charges.

Monthly Account Fee

Free

EFTPOS Fee

Free

BPAY Fee

Free

Direct Debit Fee

Free

TEXT ME! Fee⁵

$0.26

International Transaction Fee⁶

3% of transaction value

Withdrawals using Bank@Post

$4.50

Deposits using Bank@Post

$2.00

The Purple Transactor is a non-interest earning account.

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

What's next?

Not a Beyond Bank member?
It takes less than 10 minutes to get set up. You'll just need a photo ID and your mobile.
Open an account now
Already a Beyond Bank member?
Open an account quickly and easily through Internet Banking or the Mobile App.
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Digital banking made easy.

We're committed to making it as easy as possible for you to manage your money. 

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Still have questions?

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Awarded Canstar Customer-Owned Bank of the Year for Digital Banking from 2015-2025. More information can be found at Canstar's 2025 Digital Banking Awards webpage.
   
1

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see here.
   
2

Google Pay is available on all non-rooted Android devices (Lollipop 5.0+). For full Terms and Conditions, view here.
   
3

For a full list of compatible Samsung Pay devices and Terms and Conditions, visit here.
   
4

Faster transfers are available between participating banks, a full list of participating banks is available here.
   
5

TEXT ME! Fees are not inclusive of 2nd factor secure sms authentication messages. For more details, view our Fees and Charges Guide.
   
6

This fee is payable when you use your Visa Credit Card, Visa Debit Card or Visa Prepaid Card to make a transaction:
- In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
- In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.
(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.
   
 

Terms, conditions, lending criteria, fees and charges apply. For full details please review our Financial Services Guide, Product Guide, Fees and Charges Guide and Target Market Determinations. These are available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. They will also be provided at the time of acquiring any product.
   
 

This information is of a general nature only and does not take into consideration your objectives, financial situation or needs. The information must not be relied upon as financial product advice. Before acquiring any product you should read the relevant guides, Product Disclosure Document, and consider whether a product is suitable for your circumstances to decide if a product is right for you.
   
 

All products and services are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026.