您的日常帳戶是薪水入帳及繳費的地方。大多數主要銀行現在只要符合簡單條件即可免月費（甚至完全不收費）——也請留意提款機及海外交易手續費，這些費用的差異往往比月費本身更大。
9 個選項
Everyday
$0 monthly fee, no fees at major domestic bank ATMs, with built-in budgeting and spend-tracking tools in the ANZ Plus app.
App-only account (no physical branch product). A $10 fee only applies if you link it as an offset to an ANZ Plus home loan.
Easy Transaction Account
$0 monthly fee, $0 overseas transaction fee, and free access to 10,000+ ATMs across the Bankwest, CommBank, Westpac, NAB and ANZ networks.
None — no monthly fee, no opening deposit or minimum balance.
Smart Access
$4 monthly fee, waived if you deposit $2,000+/month or are under 30 — plus a current $50 cashback on new accounts.
Fee waived if: under 30, deposit $2,000+ in the calendar month, or meet another exemption (e.g. eligible pension, $50k+ balance, home loan holder).
Also available to newcomers without an Australian address — ID check happens in-branch on arrival.
Orange Everyday
存款可享 5.50% 利率—這是不需要澳洲公民或永久居民（PR）身分就能獲得的最高利率—此外，支付水電瓦斯等生活帳單還可享 1% 現金回饋。條件：每月存入 $1,000、完成 5 筆刷卡交易，並讓帳戶餘額較上個月增加（最高可享優惠利率的存款額為 $100,000）。
推薦代碼: Jmx362
護照或澳洲駕照、澳洲地址，以及澳洲稅務檔案號碼（TFN）
Transaction Account
$0 monthly fee, refunds all Australian ATM operator fees, and pays 2.75% p.a. interest on the account balance.
None — no monthly fee or minimum deposit. Overseas ATM operator fees aren't refunded.
Interest rate effective 22 May 2026 — check the current rate before relying on it.
Classic Banking
$0 monthly fee with no conditions to meet, plus fee-free withdrawals at 4,000+ NAB ATMs.
None — no monthly fee or minimum deposit. Must be 14+ and living in Australia with a verifiable address.
Spend Account
$0 monthly fee, no international transaction or overseas ATM fees, and comes paired with a linked Save account plus multi-bank spending tracking.
None — comes bundled with a linked 'Save' account to earn interest on your balance.
Operates under NAB's banking licence; deposits are covered by the same $250,000 government guarantee.
Everyday Account
$0 monthly fee, no international transaction fees, and free withdrawals at major bank ATMs in Australia and overseas — fully app-based digital bank.
Must be 16+. Only $1 needed to open. App-only, no physical branches.
Choice
Fee-free for newcomers and expats for the first 12 months, then waived by depositing $2,000+/month, being under 30, or holding an eligible concession/student card.
New-to-Australia/expat customers get the fee waived for 12 months; after that, waived by $2,000+/month deposit, under-30, student or eligible concession card.