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Ezepac S20/21
An all-in-one package that offers you the convenience of a transaction account for your everyday banking, and a savings account with a competitive interest rate.
Overview
Enjoy two accounts in one
Ezepay S20 is an everyday transaction account where you deposit your salary and pay your bills electronically, saving you time and effort. You'll enjoy the following benefits:
- an everyday transaction account
- unlimited free cash and cheque deposits at a branch
- unlimited free ATM1 transactions for withdrawals of $100 or more (Australia-wide) at any ATM
- unlimited free eftpos transactions
- unlimited free transactions when pressing credit (accessing your own money)
- 4 free branch withdrawals per calendar month
- 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions)3
- no monthly account fees
- Cheque book available on request ($10 cheque book fee applies).
- payWave and chip-enabled Visa Debit card
- we monitor all Visa Debit card transactions for unusual or suspicious activity, even when you're shopping overseas or online. Read more about security and fraud protection
Ezesaver S21 is a savings account where you can receive a higher interest rate and bonus interest if you don't make any withdrawals in a month, helping you save faster. You'll enjoy the following benefits:
- high interest savings account with monthly interest
- high interest from first $1*
- bonus interest rate of 0.20%pa if no withdrawals are made within a month
- no minimum balance required
- direct transfers from between accounts 24/7 via internet, mobile and telephone banking
- no monthly account fees.
Other benefits
- members under 18 years will not be charged any transaction fees (dishonour fees and service charges are excepted)
- 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions) - additional transactions will incur a $4 fee3
- a combined electronic monthly statement will be made available for Ezepac, detailing both EzePay and an Ezesaver.
The two accounts are directly linked, so you can move your money between your accounts via internet, mobile or telephone banking.
Features
Features of our Ezepac account include:
- internet banking
- mobile banking
- automated telephone banking
- BPAY
- BPAY View®
- regular payments
- direct debits and credits
- branch deposits
- cheque book available on request ($10 cheque book fee applies)
Handy hints guide
Avoid paying fees
- Get into the habit of withdrawing $100 or more at any ATM Australia-wide and pay no fees.
- Need to withdraw less than $100? Easy, use any eftpos machine as it's FREE.
- Ezepac is designed to be a sustainable electronic banking package. Any over the phone operator-assisted transactions, or in-branch transactions requiring teller services will incur a $2 fee (excludes general enquiries, cash and cheque deposits, and 4 free Visa cash advance cash withdrawals per month).
Savings made easy
- Deposit all of your pay into your Ezepay account and enjoy the convenience of an all-in-one package.
- Be a savvy saver and set up an automatic savings plan. All you need to do is set up a regular payment from your Ezepay to your Ezesaver account and simply watch your savings grow. Plus you can earn bonus interest of 0.20%pa if you make no withdrawals within a month.
- Do you have extra savings elsewhere? Make your money work harder for you and transfer any additional savings over to your Ezesaver account to help you earn high interest on your entire balance.
Smart banking
Branchless or electronic banking has never been easier! When you are out and about, use mobile banking as another way to access your accounts online. You can view your transaction history, transact or transfer funds from your Ezepay to your Ezesaver instantaneously.
Rates & fees
Rates
| Ezesaver | Standard rate pa | Bonus rate pa2 | Total rate pa (standard plus bonus) |
| Up to $5,000,000 |
1.70% | 0.20% | 1.90% |
| $5,000,000 plus |
0.60% | 0.20% | 0.80% |
|
2 Bonus rate is additional to the Standard rate and applies when no withdrawals are made in a month. |
|||
Fees & charges
Refer to Fees & Charges (PDF) for information on current fees & charges.
Apply now
3 easy ways to apply
- Apply online
- Call 13 63 73 option 3, or
- Visit a branch
Before you apply...
Remember to read the Product Disclosure Statements:
- Part 1 At Call Savings (PDF)
- Part 1 Non-Cash Payment Services (PDF)
- Part 2 Fees and Charges (PDF)
- Part 3 Interest Rates (PDF)
and the General Information, Terms and Conditions (PDF) which contains the terms and conditions for our products and services, and the Financial Services Guide (PDF) which tells you about us and the services we offer.
FAQ
Tips on how to make the most of your Ezepac account.
What is Ezepac?
Ezepac is a simple everyday banking package, which comprises two accounts Ezepay and Ezesaver.
Ezepay is a transaction account where you can deposit your salary and enjoy the convenience of paying your bills electronically. Ezesaver is a savings account where you can receive a high interest rate and a bonus rate of 0.20%pa if you donât make any withdrawals in a month.
Can I transfer money between Ezepay and Ezesaver?
Yes. The two accounts are directly linked so you can move your money between your accounts via online, mobile or telephone banking.
What type of transactional benefits can I expect to receive from Ezepac?
WithEzepac you can enjoy many transaction benefitsincluding
- unlimited free cash and cheque depositsat a branch
- free ATM1 transactionsfor withdrawals of $100 or more (Australia-wide)
- unlimitedfree eftpos transactions
- 4 free branch withdrawals percalendar month
- 4 free Visa cash advance withdrawals(includes overseas ATM transactions)3
- nomonthly account fees
- Cheque book available on request ($10 cheque book fee applies).
What type of member is Ezepac designed for?
Ezepac is primarily designed for members who are looking for a simple, all-in-one package and prefer to conduct their banking via electronic channels such as online, mobile and telephone banking.
Can I have a joint account with the Ezepac?
Yes. To set up your joint account holder will need to complete the Joint Account holder application form (PDF). To apply, simply call Service & Sales on 13 63 73.
Can I have more than one Visa Debit card?
No. You can only have one Visa Debit card with your accounts.
Can I open an Ezesaver account, without having an EzePay?
No. Ezepac is designed specifically as a bundle and consists of Ezepay and Ezesaver .
Can I open any other transaction and savings accounts with Ezepac?
Yes. Members choosing an Ezepac can apply for other savings accounts including Bonus Saver, Easyinvest and Christmas Club accounts. Don't forget there is also our term deposits .
Are there any fees associated with Ezepac?
There are some over-the-counter and telephone assisted transaction fees associated with the Ezepac account including:
- any over the phone operator-assisted transactions, or in-branch transactions requiring teller services will incur a $2 fee (excludes general enquiries, cash and cheque deposits). All cheque withdrawals will incur a $1 fee
- 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions)3 - for each additional transaction, you will incur a $4 fee
What if I withdraw $50 from an ATM - will I be charged a fee?
If your ATM withdrawal is under $100, a transaction fee may be incurred. This will be disclosed at the time of the transaction.
What if I withdraw more than $100 at an ATM?
All ATM withdrawals of $100 or more (Australia-wide) are free. However, an ATM operator fee will appear on your statement as a line item. We will then rebate this fee to your account. Rebates will appear on your statement at the end of the next business day.
I am under 18 - will I be charged any fees with Ezepac?
No. Members under 18 years will not be charged any transaction fees. However, dishonour fees and service charges may apply if accounts are overdrawn.
* Interest rates are variable and subject to change. 1. ATM transactions less than $100 may incur an ATM operator fee. This will be disclosed at the time of the transaction. 2. All cheque withdrawals will incur $1 fee. 3. Visa cash advance cash withdrawals (including overseas ATMs) in excess of the four free transactions per month will incur a $4 fee. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.This advice is general, so it may not be right for you. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire the At Call Savings Account and Non-Cash Payment Services you should obtain and consider the relevant Product Disclosure Statement available from our website, any branch or by calling us on 13 63 73.
