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Bank & Save

Purple Transactor Account.

Everyone hates fees. Keep your cash for the good stuff with $0 monthly fees, $0 fees for card purchases in Australia and $0 fees for direct debit, BPAY and branch transactions.

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Features and benefits you'll love.

$0 fees
No fees for account-keeping, card purchases in Australia or dishonours.
Money in an instant
Send and receive money instantly¹ 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.

Keep your money safe with our Mobile app.

Keep your money safe with our Mobile App.

Biometrics authentication uses the security strength of facial recognition and fingerprint scanning biometrics to ensure that only you can access your account.

Our real-time monitoring works 24/7 looking for suspicious activity, providing immediate alerts and interventions to safeguard your account.

24/7 access gives you full visibility and confidence over your accounts and savings progress.

A simple, no frills interface for your everyday banking.

Using our Mobile App is practical and effortless, everything you would want from your everyday banking app.

Customise your dashboard: see through the clutter by selecting which accounts appear when you log in. You can also customise your wallpaper.

Quick view of your accounts: setting up your Quick Balance accounts allows you to see the balances of your selected accounts at a glance, without the need to log in.

Customised communications: personalised app alerts and updates let you know if you're approaching your balance limits or when payments or purchases are made.

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A simple, no frills interface for your everyday banking.

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It's easier to save with round2save.

Enable round2save in our Mobile App and save money while you go about your weekly shopping and spending.

round2save works by rounding up each Visa Debit card transaction² you make on your nominated transaction account³ to the nearest whole dollar, and transferring the rounded up amount to your nominated savings account.

Learn more        Explore our savings accounts

Fees and charges.

Fees and Charges that don't apply Amount
Monthly Account Fee Free
EFTPOS Fee Free
BPAY Fee Free
Direct Debit Fee Free
Fees and Charges that apply Amount
TEXT ME! Fee⁴ $0.26
International Transaction Fee⁵ 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 Booklet for the full details of other transaction and service fees that may apply.

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.

Pay with your Visa Debit card.

Your Visa Debit card is connected to your transaction account, which means you’re always in control of your money. Make fee-free purchases when you select the ‘credit’ option on your Visa Debit card.

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Open an account in minutes.

Sign up today - it's easy

The quickest way to set up an account is with your photo ID, your mobile phone and email address. Once you’re set up you’ll have instant access to Internet Banking and Mobile Banking. Estimated time: <10 minutes.
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Already a member?

If you have a car loan, home loan or a salary packaging account, good news - you’re already a member! New accounts are easy to open through our Mobile App or through Internet Banking, without the need to call or visit a branch. Estimated time: two minutes.
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Term deposits

Secure, guaranteed, high interest, fixed term deposit options.

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Still have questions?

Chat to us
Our live chat is available Monday to Friday 8am - 8pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
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Call us
Speak with our friendly Member Service Centre staff Monday to Friday 8am - 8pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
Call 13 25 85
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Interest rates are current as at 24 July 2026 and are subject to change.
   
1

Faster transfers are available between participating banks, a full list of participating banks is available here.
   
2

Only available on eligible Visa Debit card transactions, including point-of-sale and online purchases. round2save does not apply to Osko payments, BPAY or Direct Debit transactions.
   
3

Only available on eligible transaction accounts.
   
4

TEXT ME! Fees are not inclusive of 2nd factor secure sms authentication messages. For more details, view our Fees and Charges Guide.
   
5

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.