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Access account

Access account

Your everyday banking account

Challenger's Access account is your complete everyday transaction account, providing easy access to your funds across Australia and when you’re overseas.

Enjoy the benefits of a Visa Debit card, making deposits at Australia Post outlets via Bank@Post, no minimum balance requirements, no account keeping fees and no minimum monthly deposit.

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Need help planning your budget?

Try our online budget planner. It’s a simple calculator that can help you map out your expenses, like rent and groceries, and show you what money you have left over (which can be put towards any savings goals you may have).

Features you'll love

Make deposits at Australia Post outlets via Bank@Post

Widely accepted fee-free Visa Debit card

No monthly account keeping fees

No minimum monthly deposit

Variable rate 0.00%
No account keeping fees
No online transactions fees
Visa Debit card
Make deposits at Australia Post outlets via Bank@Post

General information

  • No monthly account keeping fees
  • No transaction fees when making payments using Internet Banking or our mobile app
  • A fee-free Visa Debit card to make everyday purchases online, overseas, over the phone, and in-store
  • No ATM withdrawal fees when accessing your money from Australian ATMs1

For a full list of fees and charges, please view our Schedule of Fees and Charges.

1 Some ATM operators may charge an ATM withdrawal fee at the time of transaction.

How long does an application take? Online applications take less than 5 minutes. Provided we’ve been able to verify your identify online, account details will be emailed to you within 15 minutes.

What else do I need to know? To open an account, you need to:

  • be 14 years or older
  • have an Australian mobile number and a valid email address, and
  • be solely an Australian resident for taxation purposes.

This account doesn’t pay any interest.


*All depositors are protected by the Government guarantee. For further details, please refer

This information is intended to be general only and has been prepared without taking into account your objectives, financial situation or needs. Because of that, you should consider its appropriateness, having regard to your objectives, financial situation and needs before acting on any such information. You should obtain and consider the relevant Target Market Determination (TMD), General Terms, Product Disclosure Statement (PDS), Fees and Charges Schedule and Interest Rate Schedule before making a decision about whether to acquire or continue to hold the relevant product.

Issued by Challenger Bank Limited (ABN 54 087 651 750, AFSL/Australian Credit Licence 245606) which is an authorised deposit-taking institution (ADI) regulated by the Australian Prudential Regulation Authority. Challenger Bank Limited is a part of the group of companies constituted by Challenger Limited and its subsidiaries (Challenger Group). No other entity in the Challenger group apart from Challenger Bank Limited is an ADI, and that entity's obligations does not represent deposits or other liabilities of Challenger Bank Limited. Challenger Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.