Visa Debit Account

With our Visa Debit Account you can shop with confidence in Australia, overseas or online. Ask us how.

The smart choice for shoppers.

Our Visa Debit Account offers a simple, safe and convenient way for shoppers to purchase goods online or overseas.

Enjoy the freedom of a Visa Debit Card with the comfort of only using your own money. You can take control of your spending but having a separate account can also be a smart choice to help protect yourself against the potential risk of fraud. Only transfer the funds you need to your Visa Debit Account and keep the rest in a separate account such as an Everyday Access Account.

It's the best of both worlds.

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Not sure which one is right for you? Compare our transaction accounts

Features of a Visa Debit Account:

  • Visa Debit Cards give you a simple and convenient way to pay using your own money
  • Accepted in Visa outlets anywhere in Australia or overseas
  • Lets you make cash withdrawals at overseas and Australian ATMs including 'Auswide Bank' or 'Westpac Group' (‘Westpac’, ‘St George’, ‘Bank of Melbourne’ or ‘Bank of SA’) ATMs, pay bills, and make purchases over the phone or internet
  • Extra protection against online or overseas fraud when you keep your everyday account and savings separate from your Visa Debit Account
  • Internet, Mobile and Telephone Banking convenience
  • Free BPAY®
  • Unlimited sub accounts to help you better organise your money
  • Unlimited access to our dedicated customer service team and online service centre
  • If you have an existing qualifying account with Auswide Bank, enjoy no extra monthly account fees, otherwise it's just a flat monthly account service fee of just $5.00 per month – to find out more, see Fees & Charges.
  • This account is protected by the Australian Government deposit guarantee. Up to $250,000 of deposits in 'protected accounts' held by an entity with Auswide Bank are covered under the Financial Claims Scheme.

Account Fee

$5/month. A Visa Debit Account can be opened as a stand alone account, however a monthly Account Fee will apply. If you have another qualifying Auswide Bank account, an exemption of the monthly Account Fee will apply.

A monthly Visa Debit Card Fee of $1.25 applies.

We'll waive both these fees if you are an eligible mortgage or shareholder package customer.

Other Fees and Charges

Other fees & charges apply in some instances. Please review to our Personal Banking Fees and Charges for full details.

Interest Rates

No interest is paid on funds held in this account.

Looking to earn high interest? Open an Auswide Bank Online Saver account or one of our Term Deposits.


Open a new Auswide Bank account for personal use.

Step 1 - Complete and sign a New Client form for each individual Signatory or Authority to Access. (This form is not required if you are already a Signatory/Authority to Access on an existing Auswide Bank account).

Step 2 - Provide Auswide Bank with evidence of the identity of each Signatory/Authority to Access (as required by the Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act 2006). (Identification is not required if you are a Signatory/Authority to Access on an existing Auswide Bank account and you have previously provided identification).

Your identity can be verified by you providing your relevant identity documents in person at any Auswide Bank branch. If you are sending your application by mail and you are unable to visit one of our branches, you will be required to lodge at your nearest Australia Post outlet, an Australia Post - Identity Verification Form along with your original and current identification documents as detailed on this form.

Step 3 - Complete an Account Application form and have it signed by each individual Signatory or Authority to Access and return along with a cheque/money order for the minimum opening balance or a completed and signed Direct Debit Request (DDR) form (in which case we will debit the amount from another financial institution account).

Step 4 - Once complete please return forms to your nearest Auswide Bank branch; or post to: Reply Paid 1063, Bundaberg QLD 4670; or alternatively, fax through to (07) 4152 3499.

Please allow 3 working days from receipt by Auswide Bank for processing.

Close my existing account at another financial institution

Normally you would contact the financial institution direct and ask them to close your account. However we can attempt to do this on your behalf.

Complete and sign an Authority to Close Account form. All signatories on the account at the other financial institution should sign.

Once complete please return form to your nearest Auswide Bank branch; or post to: Reply Paid 1063, Bundaberg QLD 4670; or alternatively, fax through to (07) 4152 3499.

Please allow 3 working days from receipt by Auswide Bank for processing.

Upon receipt from you, we will deliver the form to the other financial institution on your behalf.

'Auswide Bank' branded ATMs are classified as ATMs displaying the 'Auswide Bank' logo and 'Westpac Group' branded ATMs are classified as ATMs displaying the 'Westpac', ‘St George’, ‘Bank of Melbourne’ or ‘Bank of SA’ logo.

® Registered to BPAY Pty Ltd (ABN 69 079 137 518)