Pension Advantage account Tailored for members receiving a pension. Talk to us Phone us Email us Breadcrumbs UniBank Accounts Pension Advantage account $0 Access Fee 1.75%pa up to $50,200 $0 Minimum Amount Apply If you are receiving a pension or allowance from the Department of Family and Community Services or Department of Veteran Affairs, this is the account for you. Savings calculator Avoiding and minimising fees Join Features and benefits Rates and fees Have you considered? Features and benefits Pension Advantage account features and benefits Some examples of the pensions and allowances that satisfy our Pension Advantage account requirements include Age Pension, Wife’s Pension, Sole Parents Pension, Disability Support Pension, Widow’s Pension and Sickness Allowance. A State Superannuation Pension does not qualify. Benefit from: Access to online banking anywhere, anytime Track payments with SMS and email alerts Direct credits Four free withdrawals each month Free online and phone banking transfers SMS banking Internal transfers Cash deposits at selected offices All accounts Rates and fees Interest rates up to $50,200 1.75%pa over $50,200 3.25%pa Interest rates effective date Interest rates effective 1 June 2018 Interest rates type Variable Other information Excess Usage Fee $1.50 TMB Cheque Withdrawal Fee $3 Additional Statements Fee Free via online banking For full details of our low rate credit card fees, view our Fees and charges brochure. Have you considered? Here are some other ways we can help you Overdraft If you need to access extra money from time to time, our RediCredit overdraft facility allows you to access extra approved funds through your Everyday Direct account. Learn more Switch to UniBank Take advantage of UniBank benefits and switch all of your finances. Join the bank that puts you first Bill Paying account Make managing your bills easier by allocating your pay into a Bill Paying account to ensure you have enough funds to pay your bills. Learn more Direct your pay and income Make it easy to get to your money and make sure there is enough for all of your expenses by splitting your pay into other accounts. Ways to bank Managing your account Useful information for making the most of your UniBank accounts. Savings calculator Ways to bank with us Which account is for you Avoiding and minimising fees BPAY View Managing your account Switch your account to us To become a member, you'll need: To be an Australian citizen or permanent resident 18 years old or over + Identification + Account details to purchase your share in the bank Join *Important information Conditions of use—Accounts and access Fees and charges Back to top.