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SWSbank · Transaction accounts

Everyday Account

SWSbank's Everyday Account is a transaction account. The figures are the ones SWSbank publishes under the Consumer Data Right today. The advertised rate has not moved since we began tracking it.

Advertised rate
0.01%
headline tier
Tiers
1
current rate rows
Last moved
Never
since tracking began
0.01%5 October 20264 November 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (1)

TierRate
Variable0.01%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

FeeAmount
Excess transaction feeswhen it happens: Excess Transaction Fees are incurred when the number of Free Transactions for the month are exceeded.see lender
Chargeback EFT disputewhen it happens$20
Chargeback voucher retrieval feewhen it happens: fee per transaction lodged per Visa Dispute$30
Currency conversion fee vdper transaction: Visa Debit 2% of transaction amount will apply to any foreign currencysee lender
Direct debits dishonour feeper transaction: authoiryt to directly debit account is dishonoured due to insufficient funds$15
Dormant account feewhen it happens: No member generated activity for at least 2 years with no member response$10
Duplicated member statement feewhen it happens$3
Electronic payment feewhen it happens: to Establish Direct Entry final destination, manual dishonour, Bpay enquiry and/or correction, Mistaken Payment$25
Referral feeper transaction: applied each time account is overdrawn without arrangements as result of cheque or direct debits being honoured$10
SWIFT payments (rtgs)when it happens: Incoming RTGS charge$10
SWIFT payment (rtgs)when it happens: Outbound RTGS Domestic payment$15
Visa card feewhen it happens$15

Other SWSbank transaction accounts

Smf Superannuation 2.00%Teenager Account 2.00%Junior Account 1.50%Christmas Club 0.75%Goal Account 0.25%Budget Account 0.01%Card Free Account 0.01%

Get an email the morning SWSbank moves this rate.

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