Complete banking for every Australian.
From your first savings account to your retirement portfolio — we've got the products, expertise, and service to help you thrive.
Bank Accounts for Every Need
Whether you're saving for a holiday, managing a business, or planning for retirement — we have an account designed for you.
Everyday Savings Account
Your go-to account for daily spending. No monthly fees, unlimited free transactions, Apple Pay and Google Pay ready.
High Interest Savings (4.25% p.a.)
Australia's leading savings rate. Bonus interest when you grow your balance each month. No minimum deposit required.
Term Deposits (up to 5.10%)
Lock in guaranteed returns with our award-winning term deposits. Terms from 3 months to 5 years. FDIC insured.
Multi-Currency Account
Hold 50+ currencies in one account. Exchange at interbank rates + 0.5% margin. Perfect for travellers and expats.
Debit & Credit Cards
From everyday debit to premium platinum — cards packed with benefits and security features.
Everyday Debit Card
Free with any transaction account. Tap & Pay up to $200, Apple/Google/Samsung Pay, EFTPOS & ATM access Australia-wide.
- $0 Annual Fee
- $2,000 Daily Limit
- Instant Card Lock in App
Gold Debit Card ($49/yr)
Elevate your banking. Higher limits, domestic travel insurance, 2 Qantas Club lounge passes per year.
- $5,000 Daily Limit
- Travel Insurance Included
- Rewards: 1pt/$1
Platinum Debit Card ($149/yr)
The ultimate in premium banking. Unlimited lounge access worldwide, comprehensive travel insurance, concierge service.
- $10,000 Daily Limit
- Unlimited Lounge Access
- 24/7 Concierge
Low Rate Credit Card (12.99%)
Keep it simple with Australia's lowest ongoing credit card rate. 55 interest-free days, up to $15,000 limit.
- 12.99% p.a. Purchase Rate
- $0 Annual Fee
- 55 Interest-Free Days
Gold Rewards Credit ($99/yr)
Earn 1.5 Qantas Points or Velocity Points per $1 spent. Domestic travel insurance and extended warranty coverage.
- 1.5pts/$1 Rewards
- Up to $30,000 Limit
- 2 Lounge Passes
Platinum Premium Credit ($299/yr)
Australia's most rewarding card. 3 points per $1, unlimited lounge access, international travel insurance, concierge.
- 3pts/$1 Rewards
- Up to $75,000 Limit
- Unlimited Lounge
Borrow Smarter
Competitive rates, flexible terms, and quick approvals for whatever life throws your way.
Home Loans (from 5.49%)
First home buyer? Investor? Refinancer? Our expert mortgage brokers will find the perfect loan structure for you.
Personal Loans (from 6.99%)
$2,000 to $50,000 for anything — travel, weddings, renovations, or debt consolidation. Funds in 24 hours.
Car Loans (from 4.99%)
Secured and unsecured car finance from $5,000 to $150,000. Pre-approval in minutes so you can shop with confidence.
Business Loans (from 7.49%)
Working capital, equipment finance, invoice factoring, and business overdrafts up to $1,000,000 for Australian SMEs.
Education Loans (from 3.99%)
Study now, pay later. Interest-only repayments during study for uni degrees, TAFE, and professional certification.
Line of Credit (from 8.99%)
Revolving credit from $5,000 to $250,000. Use only what you need, pay interest only on your balance. Flexible security.
Send Money Anywhere
Instant local transfers and low-cost international payments to over 100 countries.
🇦🇺 Local Transfers (NPP/Osko)
- 24/7 instant payments including weekends & public holidays
- Up to $10,000 per transaction, $25,000 daily
- $0 fees on all local transfers
- PayID support — use mobile, email, or ABN
- BSB & Account Number — traditional transfers
- Scheduled and recurring payments
🌍 International Transfers
- Send to 100+ countries in 50+ currencies
- Low flat fee of $25 AUD per transfer
- Competitive exchange rates — typically 1-2% better than the Big 4
- Locked-in rates for peace of mind
- SWIFT & SEPA network support
- Track your transfer every step of the way
BPAY & More
Pay over 45,000 Australian billers with BPAY. Never miss a bill with scheduled and recurring payments.
45,000+ Billers
From Telstra to ATO, from Sydney Water to Netflix — we support nearly every Australian biller via BPAY.
Scheduled Payments
Set and forget. Schedule one-off or recurring payments (weekly, fortnightly, monthly, quarterly).
Bill Reminders
We'll send you push notifications 3 days before your scheduled payments to ensure funds are ready.
Ready to experience better banking?
Switch to United Credit Bank today and enjoy better rates, lower fees, and award-winning service.
🚀 Open Your Free Account