Finty

Northern Inland Credit Union Ready Saver

$0 monthly fee

Everyday account for over 40s. Enjoy a competitive tiered interest rate on an everyday account for payroll and general access. Card and digital payment options. No monthly account keeping fee.

Written byDavid Boyd
Overseas spending fee
Not published
Overseas ATM fee
$2
Digital wallets
Apple, Google

Monthly fee

Open account

Features

Debit card
Yes
Apple, Google or Samsung Pay
Apple Pay, Google Pay
PayID
Yes
Overdraft available
Not listed

Who can open it

Age to open
40 and over

How it compares

Against the other everyday accounts we compare. Typical means the middle half of them.

Monthly fee

None

Most accounts that say charge none.

Overseas ATM fee

$2

Each time you take cash out overseas. Typical is $5.

Pros and cons

Pros

  • No monthly fee. Keeping the account costs nothing, whatever you deposit.
  • Pays interest. 3.65% on your balance, which most everyday accounts don't.
  • PayID. People can pay you with your phone number or email instead of a BSB and account number.
  • Phone payments. Works with Apple Pay and Google Pay, so you can pay with your phone or watch.

Cons

Nothing stands out.

Similar accounts

Everyday accounts from other banks with similar fees.