Everyday Snap Account

Open in less than 5 minutes
Once, twice, three times a winner.
We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!

Reasons to choose an Everyday Snap Account

Looking for a world of features and benefits? Meet our new 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 Apple Pay, Google PayTM or Samsung Pay.

Savings Top Up

With Savings Top Up, you can add a little extra to a CUA savings account with every CUA Visa Debit card purchase you make.

Boost your savings with bonus interest

Earn 1.45% p.a.with a CUA eSaver Reward when you deposit $1000 each month into your Everyday Account. +

Faster, simpler, smarter payments

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

Why we're different

  • We're Australia's largest member-owned banking organisation
  • 70 years of putting members before profits
  • Focused on supporting the community
  • And, we're available 24/7 via our digital banking services
The CUA difference

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 card transaction fees, including online purchases^
    ^Excludes rediCard.

  • Refund of international ATM withdrawal fees

How to apply

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

01. 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.
02. Get your card
Once your account has been opened, your CUA Visa Debit card should arrive in the mail within 7 days.
03. Switch your regular payments
We can help you to switch your salary and regular payments to your new account.
New to CUA
  • You must be aged 18 or over
  • You must be an Australian resident
  • An email address and a mobile number
  • One form of ID such as your driver’s licence, passport or Medicare card
Existing CUA account holder
  • Your existing member number
  • Access to CUA Online Banking
Not set-up in online banking yet. Register Now
More ways to apply for a CUA account
Call us on: 133 282
Mon - Fri: 8:00am - 8:00pm (AEDT)
Sat: 8:00am - 4:00pm (AEDT)
Visit one of our CUA Branches. Find a branch

Access your money easily

A CUA Everyday Account offers great value and variety of ways to access and manage your money.
Online banking
Pay bills, make instant transfers, view transfers, view statements and more from the comfort of your sofa.
Mobile banking
Check balances, transfer money and manage payees on the go with CUA Mobile Banking app. >|
Visa Debit card
Tap and pay at the checkout and make secure online purchase with your free CUA Visa Debit card.
Pay with your phone
Add your card to Apple Pay, Google Pay™, Samsung Pay to securely tap and pay at the checkout using your phone.
Important information Important information Show content

^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.

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

+ Rate current as at 13 October 2020 and is subject to change. Interest rate of 1.45% p.a. comprises a base interest rate of 0.05% p.a. plus bonus interest of 1.40% p.a.. Bonus interest only applies to 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 CUA everyday transaction accounts that are eligible to receive the monthly deposit are 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.

>| 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.