Everyday Options Account
$0 monthly account keeping fee forever§ and awesome benefits, including cashback with Feel Good Rewards.
It only takes about 5 minutes
Discover our most popular account
No monthly account keeping fees
with no deposit requirements or other strings attached.
No foreign currency conversion fees
0% foreign currency conversion fees on Visa Debit card† purchases.
Lock in higher rates
Set aside savings in your account with flexiRates.
Sub-accounts to help you budget
You can open up to 9 sub-accounts.
Earn cashback with Feel Good Rewards
Get cashback on exciting retail and dining offers when making an eligible purchase# using an eligible Suncorp Bank Visa Debit card.‡
flexiRates
Boost your savings with flexiRates, with no account keeping or transaction fees.
If you have more money in savings than you’ll need for your short-term expenses, you can set aside a portion of it at a higher fixed interest rate than the unlocked portion.
IRM{flexirates.1.1}
IRM{flexirates.2.1}1
IRM{flexirates.1.2}
IRM{flexirates.2.2}1
IRM{flexirates.1.3}
IRM{flexirates.2.3}1
IRM{flexirates.1.4}
IRM{flexirates.2.4}1
Rates and fees
Did you know we have two other Everyday accounts?
Things you should know
Home Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
† A Suncorp Bank Visa Debit Card is required. Suncorp Bank Visa Debit Cards are not available to overseas residents, Trustee accounts, accounts where the number to sign to operate is two or more (no form of card access is allowed) or a child under the age of 11. Suncorp Bank Visa Debit Cards must have an account linked as Primary Credit Relationship. Each customer may only have one Suncorp Bank Visa Debit Card per Primary Credit account.
To be eligible for a Suncorp Bank Visa Debit Card you must be 11 years of age or older. For Visa Debit Cards issued to customers aged 11-15 years of age, we will (where possible) block purchases from merchants using the following Merchant Category Codes: Dating Services (7273), Massage Parlours (7297), Gambling Transactions (7995) , Government-Owned Lotteries (Non-U.S. region) (9406), Government-Owned Lotteries (U.S. Region only) (7800), Government Licensed Casinos (Online Gambling) (7801), Government Licensed Horse/Dog Racing (U.S. Region only) (7802), Direct Marketing - Outbound Telemarketing Merchants (5966), Direct Marketing - Inbound Telemarketing Merchants (5967) .
1.
++Osko fast payments can only be made to a PayID or to the BSB and account number of an Osko enabled account at another Osko participating financial institution via the Suncorp Bank App, Internet Banking or by visiting a Suncorp Bank branch. Osko fast payments cannot be made from or to Passbook accounts, loan accounts (other than line of credit and overdraft facilities), Farm Management Deposit Accounts, PayLater accounts and Fixed Term Deposits. Osko fast payments cannot be made from Kids Savings Accounts, Agent’s Statutory Trust Accounts (QLD, NSW) and Solicitor’s Trust Accounts (QLD) but can be made to them. Staff assisted Osko fast payments cannot be made in branch from Carbon Insights Account and Sub-Accounts, Everyday Options Sub-Accounts, Business Saver Accounts or eOptionsAccounts. Payments from an Account which requires 2 or more persons to sign to withdraw, future-dated and recurring payments and Business Payment Credits will not be made as an Osko fast payment. For full details about terms and restrictions that apply to Osko fast payments please read our Terms and Conditions for Suncorp Bank Accounts and Continuing Credit Accounts and the Product Information Document applicable to your account.
‡ An Eligible Card is a Suncorp Bank Visa Debit Card linked to Suncorp Bank personal transaction account (“Eligible Account”) for customers aged 18 or over. An Eligible Account does not include Suncorp Bank Growth Saver Account, Kids Savings Account or Suncorp Bank PayLater Account.
ß Face ID login is available on the iPhone X and later models. Please refer to our Mobile Banking/Suncorp Bank App terms and conditions before using.
Foreign Exchange Products are issued by Suncorp Bank (Norfina Limited) ABN 66 010 831 722 AFSL No 229882. Please read the relevant Product Disclosure Statement or Product Information Document, the Financial Services Guide, and our Treasury terms and conditions before you make any decisions regarding any of these products. Contact us for a copy.
¢ Suncorp Bank is a member of the atmx by Armaguard (atmx) ATM Network. The deposit is taken by Armaguard on behalf of Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882) at all atmx ATMs. Fee-free access applies to the following transactions: a successful cash withdrawal, account balance enquiry, PIN change, transfer between Suncorp Bank accounts, or a cash deposit using a Suncorp Bank Visa Debit or Suncorp Bank eftpos Card. Daily withdrawal limits apply. Deposit up to 90 notes per transaction. Cheques deposits are not accepted at atmx ATMs for Suncorp Bank Customers. Terms and conditions apply. Find out more on our Suncorp Bank ATMs page.
#An eligible purchase is one completed via the Visa network with your eligible card, that satisfies the terms and conditions associated with each offer as provided by each participating merchant from time to time. You can choose the Visa network when prompted to do so, or selecting "credit” when completing a debit card transaction or using Visa payWave. Purchases made using an online payment platform (such as PayPal) are not eligible, even when an eligible card is linked to that online payment platform.
>Terms and conditions apply. Find out more on our Suncorp Bank ATMs page. Suncorp Bank does not charge foreign conversion fees or cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a linked Visa Debit Card. Some overseas ATM providers may charge you fees for transactions. For more information, please read the relevant Product Information Document & Terms and Conditions applicable to your account.
§ The features and fees listed on this page apply to the following accounts: Everyday Options Account, Carbon Insights Account and Everyday Essentials Account. Other Suncorp Bank accounts, including those account types which are no longer for sale, may have different fees and features to the accounts shown here. Please contact us or check the relevant schedule of fees and charges for more information.
Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
App Store is a service mark of Apple Inc.
Google Wallet, The Google Wallet logo, Google Pay, The Google Pay logo, Google Play and the Google Play logo are trademarks of Google LLC.
Android is a trademark of Google LLC.
