Pension Access Account

The Capricornian's Pension Access Account is a transaction account. The figures are the ones The Capricornian publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 0.35% to 0.60%.

Advertised rate

0.60%

headline tier

Tiers

current rate rows

Last moved

+0.25pp

9 October 2026

Advertised rate, last 30 days. Between 0.35% and 0.60% over the last 30 days.

Every current rate (3)

Tier	Rate
Variable, $1 to $10,000PENSION ACCESS ACCOUNT_Tier_1	0.10%
Variable, $10,000 to $50,000PENSION ACCESS ACCOUNT_Tier_2	0.45%
Variable, $50,000 and overPENSION ACCESS ACCOUNT_Tier_3	0.60%

Rate moves, last 30 days

9 October 2026: Variable, $50,000 and over lifted 0.25pp, from 0.35% to 0.60%.
9 October 2026: Variable, $10,000 to $50,000 lifted 0.25pp, from 0.20% to 0.45%.

Published fees

Fee	Amount
Visa Debit Cash Advanceper withdrawal: Where credit option is selected for cash/cash and purchase transaction	$0.70
EFTPOS Including declined transactionsper withdrawal	$0.70
Dishonour Feedishonour: Where there is not enough money in the account to pay a direct debit that the customer has setup.	$15
International Transaction Fee Over The Counterper withdrawal: Transaction Fee charged at the result of sending an International Transfer via a staff assisted channel.	$30
International Transaction Fee via Online Bankingper withdrawal: Transaction Fee charged at the resulting of sending an International Transfer via Online Banking.	$20
Foreign Currency Conversion Feesper transaction: Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA.	see lender
Account Service Feerecurring: Account service fee exempt on first account, $6.00 per month subsequent accounts	$6

Other The Capricornian transaction accounts

Youth Access Account 2.25%

Get an email the morning The Capricornian moves this rate.

Every The Capricornian rate · every transaction account rate compared · other lenders · this product in the explorer.