Youth Access Account
Xinja Bank Account
The Xinja bank account is an everyday transaction account with zero ATM fees, zero account fees and no currency conversion fees.
Xinja Bank Account
Over 3,000 rediATMs
- $0 account keeping fee
- App banking available
- Has 1% - 1.5% interest available
- 3% fees apply for overseas transactions
- 1% - 1.5 interest available when you deposit minimum of $1
- 1% interest available when you deposit minimum of $1
Minimum opening amount
Internet banking Facility
Min. deposit for fee free
Min. age restrictions
Max. age restrictions
16 years old
Free counter transactions
Daily ATM withdrawal limit
Joint application available
Interest Calculation Frequency
Interest payment frequency
Min. balance to activate rate
Account Keeping Fees
Cheque dishonour fee
Internet transaction fee
Counter deposit fee
Counter withdrawal fee
Foreign transaction fee
Phone transaction fee
ATM withdrawal fee
Overseas eftpos fee
Network bank atm fee waiver
Overseas atm withdrawal fee
Other bank atm withdrawal fee
Compare and review bank accounts with similar features
Everyday Global Account
Over 13,000 ATMs customers can use in Australia with no ATM fees
Cashback$100 Bonus for new HSBC customers and 2% cashback (upto AUD 50/month) on tap and pay (payWave, Apple Pay and Google Pay) for purchases under $100.
Access at any ATM
- Free ATMs Australia-wide and worldwide
- No ING international transaction fees whilst overseas or on international websites
- High variable interest rate of 2.8% when linked with Savings Maximiser account
- Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Orange Advantage home loan.
You don’t need a bank account to send or receive money through PayPal. However, you do need a bank account if you want to withdraw money from your PayPal account.
If you’re under 18 and you want to open an Australian bank account, you will need your passport or birth certificate. (Some lenders might require just a Medicare card or driver’s licence.) You can apply online or at a branch. If you’re 13 or under, you will probably need a parent to accompany you to a branch.
Most Australia-based lenders will allow you to set up a bank account online. Requirements vary from lender to lender, but you will probably need to provide a passport or birth certificate, as well as a driver’s licence, Medicare card or another form of secondary ID.
Opening a bank account online is a simple process and only takes between five to 10 minutes to complete. To get started you will need a computer or smartphone with internet access.
Information to have available when you’re ready to apply is:
- Identification (such as driver’s licence, birth certificate, passport, proof-of-age card)
- Tax file number
- Residential address, email and a contact number
In some cases, you might be asked to provide employment details. If you’re not able to verify your identity online, most financial institutions let you provide this in the branch at a later date.
There are some types of bank account that you can apply for only in a branch. However, most bank accounts can be applied for conveniently online.
For privacy reasons, Australian banks won’t hand out account numbers or other details about their customers. However, if you provide a bank with a BSB and account number, they should be able to confirm if those numbers belong to one of their customers.
If your bank offers online services, you should be able to find your bank account number online by logging into your account on your bank’s website and checking your details there.
Keep in mind that each type of account you have with a bank comes with a unique account number. This means if you have a bank account as well as a savings account, for example, your bank account number and your savings account number will be different.
If you don’t have access to your bank account online or can’t login, you should be able to find your account number on a mailed bank statement, if you have one.
Alternatively, you can call your bank’s customer service number or visit a branch to retrieve your account number.
Yes. Some payday lenders are willing to transfer loans to prepaid debit cards instead of bank accounts.
You don’t need a bank account to sell on eBay. But if you don’t have a bank account, you must provide either a credit card or debit card.