For those aged 18+
CUA Everyday Snap Account

Hate paying fees? With $0 monthly account fees and a range of other handy features, you’ll love our new Everyday Snap Account.

Plus, if you travel overseas or make international purchases online, you could also get international card transaction and ATM fees back.

Open in less than 5 minutes

Reasons to choose an Everyday Snap Account

$0 monthly account keeping fees

Your money’s yours to spend how you like.

Unlimited fee-free transactions

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

Tap and pay with your phone

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

Savings Top Up

Give your savings a boost between $0.50 and $5 with each CUA Visa Debit card purchase over $10.~

Personal Banker at your fingertips

With the iM CUA app, you can chat banking with a CUA Personal Banker of your choice from anywhere, at a time that suits you.

Faster, simpler, smarter payments

Send super-fast payments via online and mobile banking with the New Payments Platform (NPP).

Unlock a world of benefits in a snap

When you deposit $2000 or more per month and make 5 CUA Visa Debit card purchases per month from your Everyday Snap Account you’ll get:*

Refund of international ATM withdrawal fees

Refund of international card transaction fees^

^Excludes redicard.
Minimum deposit and transaction conditions apply.

Refund of overdrawn fees

Getting started

You can open an account online with us in less than 5 minutes.

Apply online

Complete our online application. We can check your ID instantly.

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 switch your salary and regular payments to your new account.

Saving’s now as easy as spending!

Introducing Savings Top Up with your CUA Everyday Account. Choose to save between $0.50 and $5 with each Visa Debit card transaction of $10 or more.~

Learn more

Need some help?

We are always happy to answer any questions you may have.

To be eligible for a rebate on CUA’s international card transaction fees (excluding rediCARDinternational transactions fees) and CUA’s international ATM withdrawal fees, you need to deposit $2000 or more each month into your Everyday Snap Account from a non-CUA bank account and make at least 5 purchases using your CUA Visa Debit card each month too. The Visa Debit card transactions need to be settled and not in a pending status. This means a card transaction performed on the last couple of days of the month, may not yet be settled and will not count towards that month (rather it will count towards the month in which it is settled).

ATM withdrawals, balance enquiries, Bank@Post transaction, cash advances and EFTPOS cash out only transactions do not count as a Visa Debit card purchase transaction..

Rebate of CUA’s Visa Debit International Card Transaction fees, including for overseas online purchases, together with any CUA Overseas ATM Withdrawal fees are included. Also, any CUA Overdrawn Fees charged during the month will be rebated too.

Fees are generally charged at the time of the transaction and rebated back to your account on the first day of the next calendar month provided you’ve met the rebate criteria.

Any fee rebates are calculated on the last working day of the calendar month and are applied to your account overnight ready for you to see in your digital banking on the first day of the next month.

You'll need your CUA member number and Web Access Code (WAC) to log on.

If you're not set-up for Online Banking yet and don't have a WAC, then click here to register securely for online and mobile banking in less than 2 minutes.

If you've previously registered and forgotten your WAC, then follow the "Reset your WAC" link on the Online Banking login page or call us on 133 282 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

~ Minimum balance applies. ^Excludes rediCard international transactions fees.

Deposit and transaction accounts are issued by Credit Union Australia Ltd ABN 44 087 650 959, AFSL 238317 (CUA). Conditions fees and charges apply. Any advice does not take into account your objectives, financial situation or needs. Consider the appropriateness of the advice having regard to your objectives, financial situation and needs and consider the General Information, Terms and Conditions brochure and Schedule of fees before making a decision in relation to the product.

*A CUA fee rebate will be applied to your Everyday Snap Account on the first day of the next calendar month for all CUA Visa Debit International Transaction Fees, CUA Overseas ATM Cash Withdrawal Fees and CUA Overdrawn Fees debited during the current calendar month only if the following criteria are met: A. there is a deposit of at least $2,000 from a non-CUA bank account to your Everyday Snap Account prior to the last day of the current calendar month, and B. at least 5 Visa Debit card purchase transactions (card present and non-card present transactions but excluding ATM withdrawals, balance enquiries, Bank@Post transaction, cash advances and EFTPOS cash out only transactions) are made on your Everyday Snap Account and are processed and not at pending status prior to the last day of the current calendar month. International non-CUA fees may apply.

Rates current as at 14 Nov 2019 and subject to change.

The CUA Everyday Account, CUA Everyday Snap 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 50+ 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.

^^ Visa Debit cards are available to members who have an Australian residential address and are aged 14 or over. rediCARDs are available to members aged 10 or over.

<< Interest rate of 2.00% p.a. comprises a base interest rate of 0.05% p.a. plus bonus interest of 1.95% p.a.. Bonus interest is payable only on balances up to $100,000 when you deposit a total of $1,000 or more each month by bank transfer from an external (non-CUA) account into your CUA everyday transaction account. The eligible types of CUA everyday transaction account to receive the monthly deposit include the Everyday, Everyday Snap, Everyday Youth, Everyday 50+, Everyday 55+, Everyday Business, Prime Access, Freedom Plus and Platinum Plus Accounts. The base rate of interest will be paid on the portion of any balance exceeding $100,000. Interest is calculated daily on whole balances and paid monthly.