Student life isn’t just about study, it’s also about enjoying your freedom and experiencing all life has to offer without worry or stress.

The all-in-one Access Account gives you the flexibility to conduct your day-to-day banking whenever and however you want. Our Access Account is completely free of transaction fees* and there are no monthly fees.

With payWave, Internet Banking, digital wallets including Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay™ and Visa payWave, mobile banking apps and more, your money will be at your fingertips whether you're in study mode or planning your summer holidays.

You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.

No transaction fees*

Make transactions without it costing you – the way it should be. Learn more

Free Visa Debit Card

With payWave access. Learn more

No monthly fee

There are no monthly access fees on the Access Account.

Mobile friendly banking 24/7

With our Mobile Banking App and Internet Banking, plus Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay™ and more, your money will be at your fingertips when you need it.

Tap. Pay. Done. It’s that easy. Say hello to Google Pay™

Access Account interest rates

Product NameInterest Rate
Access Account0.00% pa

Access Account fees

Fee

Amount

Monthly Fee

There are no monthly access fees on the Access Account.

$0

Transaction Fee

There are no transaction fees on the Access Account.*

$0

ATM Withdrawal Fee (Australia and Overseas)

Credit Union SA does not charge for ATM withdrawals.*

Please note: overseas transactions have a 3% currency conversion fee.

$0

Start your application now

Apply online

If this sounds like the right account for you, apply online right now!

Apply online

Already a member?

Open an account using your Mobile Banking App or Internet Banking.

Mobile Banking App

  • Select Open new account from the drop-down menu, then click Access Account and follow the instructions.

Internet Banking

  • Select Apply for from the top navigation menu, click Account, then choose Access Account from the list and follow the instructions.

Call or visit us

Call us on (08) 8202 7777

Visit us at 400 King William Street, Adelaide

Help me to save and budget

Establishing a budget is a simple way of seeing where your money’s coming from, how much you’re spending, and what you could be putting away regularly. It can also help you focus on how and where you spend your hard-earned cash.

Used properly, it helps you set short and long-term financial goals and provides a realistic indication of when you’ll finally be able to realise the goal you’re saving for. Credit Union SA’s budgeting tool can help you get started.

Learn more

Flexible banking

Mobile Banking App

Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.

Learn more

Digital Wallet

Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.

Learn more

The credit union difference

At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.

Learn more

FREQUENTLY ASKED QUESTIONS
View all Accounts FAQs

At Credit Union SA we like to help people where we can, and tailored, fee free* savings accounts for children and students are a perfect example.

Access Account (Students)

Our Access Account for students will serve you well in all forms of transactions. It’s completely free of transaction fees* and there are no monthly fees.

Find out more


*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

This can depend on what you want to use your account for. View a list of all of our accounts, and their benefits.

Alternatively call (08) 8202 7777 during business hours or visit us at 400 King William Street, Adelaide.

Credit Union SA has a range of Transaction Accounts for you to choose from giving you the control to select the account type that suits your banking needs best.

The all-in-one Access Account gives you the flexibility to conduct your day-to-day banking whenever and however you want. It’s completely free from transaction fees* and there are no monthly fees.

There are also no fees for card order or reissues, and online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App.

Find out which transaction account is best for you.


*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

You can notify us using your Mobile Banking App or Internet Banking.

Mobile Banking App

Select ‘Overseas Travel’ from the drop-down menu, then ‘Travel notifications’ and follow the prompts.

Internet Banking

Select ‘Cards’ from the top navigation menu, then click ‘heading overseas’ and follow the prompts.

Alternatively, you can call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

We’ll then be able to make educated assessments as to the legitimacy of your financial transactions and notify you immediately if any suspicious activity takes place, whether abroad or locally.

You can view your eStatements using your Mobile Banking App or Internet Banking.

Mobile Banking App

Go to ‘eStatements’ in the drop-down menu, then ‘View eStatements’ and choose from the list.

Internet Banking

Go to ‘Accounts’ on the top navigation bar, then ‘eStatements’ and choose from the list.

We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

You are able to complete up to 20 payWave transactions per day per card with a daily limit set at $1,000.

INFORMATION YOU SHOULD KNOW

*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

Android, Google Pay, and the Google Logo are trademarks of Google LLC. 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. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination