Why choose a CUA Everyday Account 55+?

A CUA Everyday 55+ Account is a secure, flexible and easy-to-use account, with a competitive interest rate and lots of great features.

Generous interest rate

Earn up to 2.60% p.a. while combining your spending with your savings in one account.

Chat banking from anywhere

Our iM CUA app lets you 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.

Bonus interest on linked savings

Earn bonus interest on your savings in a linked eSaver Reward Account when you deposit $1,000 or more each month into your CUA Everyday Account.

Fees and rates

Earn generous interest rates, while still enjoying the flexibiliity to access and manage your money without fees.

Interest Rate>>

0.40% p.a.

0.05% p.a.

0.01% p.a.

Account Balance

Over $50,000

$5,000 to $50,000

Under $5,000


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
rediATM balance enquiry free
EFTPOS purchases and cash out free
Personal cheques free
Staff assisted transfers free
Periodical payments free
Cash withdrawals at rediATM, 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

Important information Important information Show content

Rates current as at 14 May 2021 and subject to change.

Credit Union Australia Ltd ABN 44 087 650 959, AFSL 238317. Conditions, fees and charges apply. This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information, including the Terms and Conditions (T&Cs) booklet, before acting on it. The Financial Claims Scheme may apply to this product; refer to the T&Cs for more information.

>| 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.

>> Interest is calculated daily on a stepped basis and paid monthly. Interest paid at 0.01%p.a. on balances under $5,000, at 0.05% p.a. on balances from $5,000 to $50,000, and at 0.40% p.a. on the portion of the balance over $50,000.

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