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Personal banking accounts

Discover the top personal bank accounts in Australia

Updated: 01.12.2025

Bank accounts for seniors over 55 years old

See a list of the top retirement accounts

Banking accounts for students

See a list of the top student banking accounts

Banking transactional accounts

See a list of the top bank current cash management accounts

Child bank account

See a list of the top bank accounts for children, teenagers

Concession accounts

See a list of the top concession accounts

Everyday bank personal transaction accounts

See a list of the top personal checking and classic banking accounts

Foreign currency banking accounts

Top multi currency accounts: trading account, convert foreign currency

Joint banking accounts

See a list of the top joint bank accounts

Mobile banking apps

See a list of the top mobile apps

Net bank accounts

See a list of the top bank accounts with access to Internet banking

No servicing fees banking accounts

See a list of the top fee free bank accounts

Premier and Private Banking

See a list of the top private banking

SMSF bank account

See a list of the top SMSF banking accounts

Superannuation accounts

See a list of the top superannuation accounts

When applying for a personal transaction account, first, you should research various banks and financial organizations to find the one that offers the best transaction account for your needs. Consider factors such as fees, features, accessibility, and any associated benefits. Then check the eligibility requirements and prepare the required documents.

Visit the bank’s website and complete the online application form. You’ll need to upload or provide details of the required documents, or visit a branch of the bank or financial institution with your documents and fill out the application form.

The bank will verify your documents and information. This process may take a few days. Once approved, the bank will set up your transaction account. You will receive account details and instructions on how to access your account.

The bank will send you a debit card linked to your transaction account. This typically takes 5-10 business days. Follow the instructions provided with the card to activate it. This can usually be done via phone, internet banking, or an ATM.

Set up online and mobile banking to manage your account, monitor transactions, and access additional services.