A woman leans over a laptop on a desk, focusing on her work.
A woman leans over a laptop on a desk, focusing on her work.
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Everyday Direct - An account for flexible, secure and stress-free banking.
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Everyday banking made simple
All the essentials, without the fees
- $0 monthly account keeping fee4
- $0 electronic transaction fees4
- $0 overdraw and excess usage fees4
- $0 Bank@Post transaction fees4
Australia-wide access
- Access 7 branches and 3,500+ Bank@Post locations
- Withdraw cash at 10,000+ ATMs across Australia
- All with $0 transaction fees4
Digital banking made easy
- Simple, secure Mobile App5
- PayID for quick, easy payments7
- Pay on the go with Mobile Wallet6
Who can apply?
Eligibility criteria
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Be an Australian citizen or permanent resident.
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Be either:
- Employed in, or retired from an Australian university
- Studying or have graduated from an Australian university
- Immediate family to a UniBank member.
What you need to apply
- An Australian residential address.
- Identification documents with your full name, date of birth and address, such as a birth certificate or driver’s licence or passport, and Medicare card.
- Tax residency information.
Applying for a child under 18?
If you’re setting up an account for a child, here’s what you need to know:
Quick tip: To open a membership or account for a child, parents or guardians must already be members of the Bank.
For children under 13
- As the child’s parent or legal guardian, you’ll need to open the account for them.
- You’ll need to provide the child’s birth certificate or passport.
- The child can’t be an account signatory yet — but once they turn 13, they can.
- When they turn 18, they will become responsible for managing their own account.
For children aged 13–17
- The account can be opened by a parent or guardian or by the child themself.
- If the child is opening the account, they’ll need to show either a birth certificate or a passport.
- Children 13 and older can be added as a signatory, as well as parents and guardians.
- When they turn 18, they will become responsible for managing their own account.
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Need to open a joint account?
To open a joint Everyday Direct account, both members will need to:
- Visit a local branch together,
- Call us on 1800 864 864 with both members present, or
- Complete and submit the Transaction and savings account application form for the account to be set up.
Quick tip: To open a joint account, both signatories will need to be members of the Bank.
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Become a member in only a few minutes
When you join the bank as a member, we’ll open an Everyday Direct account for you.
Or visit us in person or contact us and we’ll send you an application form.
If you’re opening an account for a child under 13, you’ll need to take this approach.