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BCU Bank · Transaction accounts
Golden Account
BCU Bank's Golden Account is a transaction account. The figures are the ones BCU Bank publishes under the Consumer Data Right today. The advertised rate last moved on 20 October 2026, up from 2.45% to 2.70%.
Advertised rate
2.70%
headline tier
Tiers
4
current rate rows
Last moved
+0.25pp
20 October 2026
Advertised rate, last 30 days. Between 2.45% and 2.70% over the last 30 days.
Every current rate (4)
| Tier | Rate |
|---|---|
| Variable, up to $10,000Stepped Balance Tier 1 | 0.30% |
| Variable, $10,000 to $50,000Stepped Balance Tier 2 | 1.85% |
| Variable, $50,000 to $100,000Stepped Balance Tier 3 | 2.35% |
| Variable, $100,000 and overStepped Balance Tier 4 | 2.70% |
Rate moves, last 30 days
- 20 October 2026: 3 tiers lifted 0.25pp; the lowest, Variable, $10,000 to $50,000, from 1.60% to 1.85%.
Published fees
| Fee | Amount |
|---|---|
| Overseas Telegraphic Transferper transaction: $45 per staff assisted telegraphic transfer sent in AUD currency. | $45 |
| International Transfer Feeper transaction: Per online banking transfer sent in a foreign currency. | $15 |
| Cash Handling Feeper transaction: Coin and note deposits are available at BCU branches. | see lender |
| Bank Cheque Feewhen it happens: Per bank cheque requested by you. | $10 |
| Manual Trace Feeper transaction: Charged for your request to manually trace a payment to confirm receipt of payment. | $40 |
| Cash Passport Feewhen it happens: For the initial activation and each currency top-up requested in branch. | $10 |
| Visa Chargeback Request Feewhen it happens: When a cardholder raises a dispute relating to a card transaction. | $25 |
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Declined Emergency Card Feereplacement: If your request for a temporary emergency Visa Debit or Credit card to temporarily replace a lost or stolen Visa Debit or Credit card is declined. | $70 |
| Audit Certificate Feewhen it happens: Charged per audit certificate request. | $30 |
| RTGS From Another Bankper transaction: Per payment received into your account. | $8 |
| Manual External Transfer Feeper transaction | $2.50 |
Get an email the morning BCU Bank moves this rate.
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