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Versatile access transaction account

The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.

Delivering several options for everyday banking, you have the freedom to bank how and when you want.

This account also enables you to earn a sound level of interest on your funds, while still providing you with at-call access.

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Choose from our ATMs or other alternative’s Australia wide.

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Digital wallet

Apple Pay and Google Pay are available.

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  • Account service fee exempt for eligible members 1
  • No minimum monthly balance
  • 24/7 online access
  • Online banking, mobile app, phone banking and cheque book facilities
  • Visa Debit card to access your account 2
  • ATM/eftpos

*This product is available to individuals 65 years and older; in receipt of an aged pension, veteran’s pension or self-funded retirees, deposited directly into a The Capricornian account.

Transaction Type Fee
Visa Debit (where credit option is selected on purchases) $0
eftpos transactions (including declined) $0.70
payWave $0
Digital Wallet (Apple Pay and Google Pay) $0
Capricornian ATM withdrawals, balances and declined $0
Visa Debit cash advance 3 $0.70
Direct credits $0
Direct debits $0
Cash deposits $0
Cheque deposits $0
Cash withdrawals $0
Cheque withdrawals/encashment $0
Internal funds transfer $0
External funds transfer (in branch) $0
BPAY (via branch or contact centre) $0
Account Service Fee 1 Exempt for eligible members

Other fees and charges may apply. For more detailed information please see Conditions of Use.

Account Balance Interest Rate
$1 – $9,999 0.85% p.a
$10,000 – $49,999 0.95% p.a
$50,000 and over 1.10% p.a

Paid on the portion of the balance within each tier. Rates effective as at 11/07/2023

Eligibility criteria, terms and conditions, fees and charges apply. Please note this information does not take into account your personal circumstances and is general advice only. Before opening any Capricornian account, please read the Conditions of Use and decide if the account is right for you. Interest rates are subject to change without notice and should be verified with your local Capricornian Branch.

1 Account service fee exempt on first account, $6.00 per month subsequent accounts.

2 Quarterly card fee exemptions apply to Pension Access Accounts. Replacement card fee may apply.

3 Where credit option is selected for cash, or cash and purchase transactions.

To close your account, please visit us in branch or call our Contact Centre on 1300 314 900. Please see Conditions of Use for further information.

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Whether you’re new to us or an existing member, here is how you can open an account.

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