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Bank & Save

Retirement Account.

Perfect to help you keep saving while looking after your everyday banking.

Contact us Financial planning

Who can apply?

A Beyond Bank Retirement Account is available to individuals for non-business purposes who receive a superannuation pension, are a self-funded retiree, are an age pensioner, or receive the Mature Age Allowance.

Talk to us to open an account

Key benefits.

Keep your cash
No monthly account-keeping fees.
Great rates
Save more to earn a higher interest rate.
Secure access
Cash access via Visa Debit card.
Convenient access
Online, on your phone, in branch, or Bank@Post.
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Retirement planning that goes beyond.

At Beyond Bank, it's important that you feel informed and supported when you're looking to retire. We can assist you to make the most of your retirement with a tailored plan that works for you. Let us help you to maximise any eligible payments, minimise your tax obligations, and build your superannuation funds.

Learn more

Interest rates.

Retirement Account

Account balance ($) Interest rate (% p.a.)
$0 - $4,999 1.40% p.a.
$5,000 - $48,599 1.60% p.a.
$48,600 plus 2.05% p.a.

Interest is calculated daily on portions of the balance within each tier and paid monthly. Interest rates are subject to change without notice.

Fees and charges.

Fees and Charges that don't apply Amount
Direct Credits Free
Over the counter cash and/or cheque deposits Free
Visa Purchases Free
ATM Withdrawals^ Free
BPAY performed using Internet, Mobile or Telephone Banking Free
Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by BSB and account number Free
Transfers using Mobile Banking Free
PayTo payments using Mobile Banking Free
Fees and Charges that apply which are included in the Monthly Fee Allowance Amount
Direct Debits $0.50
Eftpos purchases (with or without cashout) $0.90
Visa purchase with cashout $0.90
Transfers between accounts with us using Internet Banking or Account Information Line and addressed by a PayID $1.00
Transfers to an account at another financial institution using Internet Banking $1.00
Electronic external periodic or bill payments $1.50
Staff-assisted transfers & BPAY payments~ $2.50
PayTo payments using Internet Banking $1.00
Fees and Charges that apply which are not included in the Monthly Fee Allowance Amount
Declined ATM, eftpos or Visa debit transactions¹ One free per relationship per month, then $0.40
Visa Debit card overseas ATM withdrawals $4.50
International Transaction Fee² 3% of the value of the transaction
Bank@Post deposits $2.00
Bank@Post withdrawals $4.50

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

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.

Learn more

Other accounts you might be interested in.

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Term deposits

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

Find out more
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monEsaver Internet Savings Account

High-interest savings and easy access to your money.

Find out more

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.
Let's chat
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
Calculators
Check out our handy tools and calculators.
Tools and calculators
Activate your card
We can help you get your new card activated.
Learn more

   
 

Interest rates are current as at 19 May 2026 and are subject to change.
   
^

Withdrawals and enquiries at Australian ATMs and overseas ATMs may incur an ATM operator fee charged by the ATM operator.
   
~

Members over the age of 70 years and transfers to Beyond Bank term deposits are exempt.
   
1

A declined transaction occurs in the following circumstances:
a. Insufficient funds in the account
b. Incorrect Personal Identification Number (PIN) entered; or
c. Number of PIN tries exceeded.

(members over the age of 70 years are exempt)
   
2

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.