Why choose a CUA Everyday Account?

When you open a CUA Everyday Account you get lots of benefits and great tools to help you keep your life running smoothly.

Chat banking from anywhere

Our iM CUA app lets you instant message the CUA Personal Banker of your choice from anywhere at a time that suits you.

Fee-free everyday transactions

Enjoy unlimited fee-free everyday card purchases or cash out in store, plus free access to thousands of ATMs nationwide.

Get a PayID

Link your CUA Everyday Account to a PayID for instant transfers using just your mobile number or email.

Tap and pay with your phone

No wallet? No worries. Use your phone to tap and pay at the checkout with Apple Pay, Google Pay or Samsung Pay.

Save while you spend

With Savings Top-up, you can add a little extra to your savings account with every purchase over $10.

Earn bonus interest

Deposit $1,000 or more into your Everyday Account each month and receive bonus interest on a linked eSaver Reward Account.


Doing your day-to-day banking shouldn’t be expensive. That’s why we won’t charge you fees for using your everyday account, and offer you loads of ways to access your money for free.


account keeping fees


everyday transactions and cash withdrawals at 10,000+ ATMs across Australia, plus free cash out in store.

Monthly account keeping free
Deposits to your account free
BPAY transactions free
Visa & PayWave purchases (domestic) free
CUA ATM balance enquiry free
EFTPOS purchases and cash out free
Personal cheques free
Staff assisted transfers free
Periodical payments free
Cash withdrawals at CUA ATM, branch & Bank@Post free

How to open an account

Open your own account or a joint account online with us in less than 5 minutes.

Apply online
Complete our online application and we’ll check your ID instantly. If your ID check can’t be completed online, don’t worry - we’ll help you with next steps.
Get your card
Once your account has been opened, your CUA Visa Debit card should arrive in the mail within 7 days.
Switch your regular payments
We can help you to switch your salary and regular payments to your new account.

Need some help?

You'll need your CUA member number and Web Access Code (WAC) to log on. If you don't have a WAC, call us on 133 282 or drop into your local branch.

You can download the CUA Mobile Banking app from the Apple App Store or Google Play.

To save time, you can activate your CUA Visa Debit card in online banking.

Just log in, select ‘My Cards’ and enter the requested information. You'll then be sent a one-time password and as soon as this is entered, your card will be ready to use.
Remember, you only need to activate your card if it’s your first debit card with CUA or a replacement of a card that’s been lost, stolen or damaged. If it’s a replacement for an existing card about to reach its expiry date, the you don’t need to activate it and your current personal identification number (PIN) is still valid.

You can also activate your card in any CUA branch or by calling us on 133 282.

A PayID is a simpler way to identify your CUA account so you can receive instant payments from other participating Australian financial institutions. Your PayID can be your mobile number, email address or ABN (if you’re a busines). Once it’s set up, give your easy-to-remember PayID, instead of your BSB and account number, to anyone transferring money to your CUA account. Your CUA account also allows you to make instant transfers to other people’s PayIDs.

You can create a PayID and make instant payments using CUA Online Banking.
Learn more

Savings Top-up allows you to automatically save every time you make a purchase over $10 from your everyday account using your CUA Visa Debit or rediCARD. For every eligible purchase, you can choose to automatically transfer between $0.50 and $5 into a linked CUA savings account.

You can easily set up Savings Top-up through CUA Online Banking.
Learn more

Important information Important information Show content

The CUA Everyday Account and CUA Everyday Youth Account are designed to help you manage your day-to-day transactions, so they do not earn interest. For accounts that do earn interest, please consider the CUA Everyday 55+ Account (if you are eligible) or check our range of savings accounts and term deposits.

Your needs and financial circumstances have not been taken into account. Terms and conditions are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

>| There is no fee for accessing your CUA accounts using your mobile. You may incur charges from your mobile provider – please check with your provider for more details. Access is subject to availability and maintenance.