What makes the Australian Unity Healthy Banking Everyday account different?

Australian Unity is committed to offering product features that matter, because for 175 years we put our customers first, not profits.

$0 monthly account fees

Free when you deposit at least $1,000 per month (e.g. your salary), otherwise $5 per month6.

Our new smartphone banking app

A secure and convenient way to bank on the go. Manage your accounts and pay bills via BPAY®. You can also make transfers to anyone else. The app allows you to change the PIN on your cards or report one lost or stolen.

Digital Wallet Technology

Even some of the big banks don’t have this! ‘Tap and pay’ for purchases on your mobile7.

Visa Debit Card with payWave

Shop online, in-store or overseas using your own funds with convenient contactless purchases under $100.

Access to 3800 Free ATMs through the Redi ATM network

The rediATM network is one of Australia's largest ATM networks, with over 3,800 rediATMs across Australia.

10% off Australian Unity Health Insurance

A fantastic benefit of this transaction account, join Australian Unity Health Insurance and save 10% on hospital and extras cover3.

Apple Pay

Australian Unity with Apple Pay lets you tap and pay when you're out and about. You can even make purchases in-app or on the web where Apple Pay is accepted10.

$0 monthly account fees

Free when you deposit at least $1,000 per month (e.g. your salary), otherwise $5 per month6.

Our new smartphone banking app

A secure and convenient way to bank on the go. Manage your accounts and pay bills via BPAY®. You can also make transfers to anyone else. The app allows you to change the PIN on your cards or report one lost or stolen.

Digital Wallet Technology

Even some of the big banks don’t have this! ‘Tap and pay’ for purchases on your mobile7.

Visa Debit Card with payWave

Shop online, in-store or overseas using your own funds with convenient contactless purchases under $100.

Access to 3800 Free ATMs through the Redi ATM network

The rediATM network is one of Australia's largest ATM networks, with over 3,800 rediATMs across Australia.

10% off Australian Unity Health Insurance

A fantastic benefit of this transaction account, join Australian Unity Health Insurance and save 10% on hospital and extras cover3.

Apple Pay

Australian Unity with Apple Pay lets you tap and pay when you're out and about. You can even make purchases in-app or on the web where Apple Pay is accepted10.

Why choose Australian Unity?

Australian Unity is committed to improving the wellbeing of all Australians. We understand wellbeing isn’t just about health, it’s about happiness, financial security, peace of mind and a sense of belonging.

Personal Service

Our friendly banking specialists are ready to help you. Our Australian based call centre staff and mobile bankers can help get you set up fast.

175 years of helping people

As a mutual company with a 175 year history, Australian Unity has developed a strong focus on taking care of members. Australian Unity is a national healthcare, financial services and retirement living organisation providing services to more than half a million Australians.

Market Leading Benefits and Inclusions

Australian Unity provides a range of market leading benefits and inclusions including no monthly account fee, internet and mobile banking, Visa Debit Card with payWave and access to the Redi network with over 3800 ATMs Australia wide.

Your money is guaranteed

Deposits in Australian Unity Transaction and Savings Accounts are covered by the Australian Government’s guarantee scheme, the Financial Claims Scheme. As an Authorised Deposit-taking Institution (ADI) we are regulated by the Australian Prudential Regulation Authority (APRA). The guarantee applies to deposits of up to $250,000 per account holder.

We strive for wellbeing

Wellbeing is at the heart of everything we do. We aim to help customers improve their financial wellbeing through the delivery of quality solutions that offer real value.

Ready to apply?

A few things before you start:

  • It only takes less than 5 minutes to complete this application.
  • You need to be 16 years or over.
  • You must be a permanent resident of Australia.
  • Have at hand your 1) Drivers Licence 2) Australian Passport and 3) Medicare card.
  • Please read our Terms and Conditions and Privacy Policy before applying.

Your Visa debit card will arrive approximately 5-7 business days after successfully completing your application.

Apply

View all Products.

We offer a range of banking products to meet your personal needs.

Residential investors
0.60% discount off the Standard Variable rate
100% offset option
Borrow up to 90% LVR inc. LMI
4.19%p.aVariable Rate
4.22%p.aComparison rate1
Owner Occupiers
0.71% discount off the Standard Variable rate
100% offset facility
$100 Allianz home and contents insurance credit4
4.05%p.aVariable Rate
4.08%p.aComparison rate1
Owner Occupiers
0.97% discount off the Standard Variable rate
Our lowest variable rate
Includes a fee free credit card
3.79%p.aVariable Rate
3.82%p.aComparison rate1
1.10% p.a. bonus on the variable rate for 4 months
No deposit or withdrawal restrictions
No account keeping fees
2.80%p.aVariable Rate*
(incl. bonus)
1.70%p.avariable base rate
Great ongoing rate
No deposit or withdrawal restrictions
No account keeping fees
Up to 2.50%p.a. Variable Rate
2.50%p.aVariable Rate
Deposit $250 p.m. and make no withdrawals to earn bonus
For balances up to $500k
No account keeping fees
3.00%p.aVariable Rate*
(incl. bonus)
1.20%p.avariable base rate
PrevNext
Residential investors
0.60% discount off the Standard Variable rate
100% offset option
Borrow up to 90% LVR inc. LMI
4.19%p.aVariable Rate
4.22%p.aComparison rate1
Owner Occupiers
0.71% discount off the Standard Variable rate
100% offset facility
$100 Allianz home and contents insurance credit4
4.05%p.aVariable Rate
4.08%p.aComparison rate1
Owner Occupiers
0.97% discount off the Standard Variable rate
Our lowest variable rate
Includes a fee free credit card
3.79%p.aVariable Rate
3.82%p.aComparison rate1
1.10% p.a. bonus on the variable rate for 4 months
No deposit or withdrawal restrictions
No account keeping fees
2.80%p.aVariable Rate*
(incl. bonus)
1.70%p.avariable base rate
Great ongoing rate
No deposit or withdrawal restrictions
No account keeping fees
Up to 2.50%p.a. Variable Rate
2.50%p.aVariable Rate
Deposit $250 p.m. and make no withdrawals to earn bonus
For balances up to $500k
No account keeping fees
3.00%p.aVariable Rate*
(incl. bonus)
1.20%p.avariable base rate