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Pensioner Plus Account
Unity Bank's Pensioner Plus Account is a transaction account. The figures are the ones Unity Bank publishes under the Consumer Data Right today. The advertised rate last moved on 2 November 2026, up from 3.65% to 3.90%.
Advertised rate
3.90%
headline tier
Tiers
3
current rate rows
Last moved
+0.25pp
2 November 2026
Advertised rate, last 30 days. Between 3.65% and 3.90% over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable, up to $48,600Pensioner Plus Account_Tier_1 | 2.60% |
| Variable, $48,600 and overPensioner Plus Account_Tier_2 | 3.90% |
| Variable | 17.50% |
Rate moves, last 30 days
- 2 November 2026: Variable, $48,600 and over lifted 0.25pp, from 3.65% to 3.90%.
- 2 November 2026: Variable, up to $48,600 lifted 0.35pp, from 2.25% to 2.60%.
Published fees
| Fee | Amount |
|---|---|
| Monthly account feerecurring: Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at | $5 |
| EFTPOS decline feeper transaction: A fee charged if you don't have enough money in your account for an EFTPOS transaction | $1 |
| ATM insufficient fundsper transaction: A fee charged if you don't have enough money in your account for an ATM withdrawal | $1 |
| Outward RTGS payment feeper withdrawal: A Processing fee charged when you require funds to be sent straight away | $30 |
| Inward RTGS and SWIFT payment feeper deposit: A processing fee charged when you receive funds through this channel | $10 |
| Paper statement feerecurring: A fee charged to cover the cost of producing and sending paper statements | $2 |
| Dormancy feerecurring: A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. | $20 |
| Direct debit honour feeper payment: A fee charged when you have insufficient funds in your account but we honour the transaction for you and overdraw your account | $15 |
| Direct debit dishonour feeper transaction: A fee charged when you have insufficient funds in your account and we are unable to honour the transaction for you | $17 |
| Quickdebit dishonour feeper transaction: A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you | $20 |
| Emergency cash/card visa debitreplacement: Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) | $0 |
| Telegraphic transfer - service centreper transaction: A fee charged for a staff assisted foreign transfer | $30 |
Other Unity Bank transaction accounts
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