Lenders › Bank First › First Access Account
Bank First · Transaction accounts
First Access Account
Bank First's First Access Account is a transaction account. The figures are the ones Bank First publishes under the Consumer Data Right today. The advertised rate last moved on 16 October 2026, up from 1.95% to 2.20%.
Advertised rate
2.20%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
16 October 2026
Advertised rate, last 30 days. Between 1.95% and 2.20% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable | 2.20% |
Rate moves, last 30 days
- 16 October 2026: Variable lifted 0.25pp, from 1.95% to 2.20%.
Published fees
| Fee | Amount |
|---|---|
| Inactive Membership Feerecurring | $30 |
| Issue Card Or Pin Internationally By Registered Mailwhen it happens: $15 dollars per item | $15 |
| Coin Handling Feewhen it happens: Handling of a coin deposit or withdrawal - $5 per every $100. | $5 |
| Direct Debit Dishonour Feedishonour | $15 |
| Account Keeping Feesrecurring | $0 |
| Replacement Card Feereplacement: $12.00 Staff Assisted and $8 via Mobile Banking App | $8 |
| Visa Debit Card Overseas Atm Withdrawalsper withdrawal: The ATM operator may charge a fee at the time of the transaction | $2.50 |
| Direct Entry Return Feewhen it happens | $2.50 |
| Visa Debit Over The Counter Cash Advanceper withdrawal | $2.50 |
| Direct Debit Stop Requestwhen it happens | $9 |
| Express Posting Of Card Or Pin In Australiawhen it happens | $15 |
| Overdrawn Account Feewhen it happens: Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and | $15 |
Other Bank First transaction accounts
Preschool Long Service and Sick Leave Provisions Account 4.55%Preschool Fundraising Account 4.40%Pension Account 3.65%Christmas Club Account 3.60%School Everyday Account 2.65%Preschool Day to Day Account 0.05%Preschool Petty Cash Account 0.05%
Get an email the morning Bank First moves this rate.
Every Bank First rate · every transaction account rate compared · other lenders · this product in the explorer.