Everyday Accounts
An everyday transaction account, plus carbon insights
Banking you can feel good about
Canstar 2024
Outstanding Value Transaction Accounts Award
Mozo 2024
Experts Choice Award for Exceptional Everyday Account
Features & benefits
View an estimate of carbon emissions for your purchases
This is calculated by matching each transaction to an industry, and multiplying spend by an average emission factor for that industry».
No monthly account keeping fees
Manage sub-accounts, set aside savings, manage bills with zero account keeping fees
No foreign currency conversion fees
Enjoy international transactions with 0% foreign currency conversion fees on Visa Debit card† purchases.
Online-only transaction account
Access your money and transact 24/7 via Internet Banking and the Suncorp Bank App.
No overdraft fees
Manage your money without worrying about unexpected charges with no overdraft fees£.
Open now in under 5 minutes
Banking you can feel good about
No foreign currency conversion fees
Suncorp Bank can help make spending overseas easier.
For eligible account holders with a Suncorp Bank Visa Debit card, Suncorp Bank has no foreign currency conversion fees† and no cash advance fees for withdrawals at ATMs outside of Australia>.
Earn cashback with Feel Good Rewards
Get cashback on exciting retail and dining offers. No promo code or special app needed.
Feel Good Rewards has great deals on some of Australia’s favourite brands. It’s easy: just make an eligible purchase# with an eligible Suncorp Bank Visa Debit card.‡ You can earn cashback at participating retailers, restaurants and more.
Your security is our top priority
We go to great lengths to help keep your money safe online.
Suncorp Bank applies a range of security measures to keep your personal information safe. We use security options such as real-time fraud monitoring, secure encryption and 2-factor authentication.
Banking you can feel good about
No foreign currency conversion fees
Suncorp Bank can help make spending overseas easier.
For eligible account holders with a Suncorp Bank Visa Debit card, Suncorp Bank has no foreign currency conversion fees† and no cash advance fees for withdrawals at ATMs outside of Australia>.
Earn cashback with Feel Good Rewards
Get cashback on exciting retail and dining offers. No promo code or special app needed.
Feel Good Rewards has great deals on some of Australia’s favourite brands. It’s easy: just make an eligible purchase# with an eligible Suncorp Bank Visa Debit card.‡ You can earn cashback at participating retailers, restaurants and more.
Your security is our top priority
We go to great lengths to help keep your money safe online.
Suncorp Bank applies a range of security measures to keep your personal information safe. We use security options such as real-time fraud monitoring, secure encryption and 2-factor authentication.
flexiRates
Boost your savings with flexiRates, with no account keeping or transaction fees.
If you have more money in savings than you’ll need for your short-term expenses, you can set aside a portion of it at a higher fixed interest ratethan the unlocked portion.
For example, if you’ve got $10,000 saved but only need $2,000 in the near future, you can apply a 6-month flexiRate (with no additional account keeping or transaction fees!) to the unused $8,000 and earn more interest on that balance than you do on the $2,000. Simple!
Want a little more detail?
See the Product Information Document & Terms and Conditions.
Keep tabs on the carbon emissions related to your purchases
Six month visualisations and categorisation
See a visual representation of your past 6 months of estimated carbon emissions» as well as your monthly estimated carbon emission» amounts broken down into categories. Each month you could see categories like shopping, groceries and food.
Estimated emissions overview
View a comparison about what the estimated carbon emissions» are equivalent to and check out articles that can help you better understand carbon emissions and much more.
View total monthly estimates
Have better visibility of Carbon Insights with a view of your total monthly estimated carbon emissions» for your main and sub accounts.
Through our partnership with OzHarvest, Suncorp Bank teams have taken part in an incredible 310 'Cooking for a Cause' events to help provide meals to people in need across Australia.
Learn more about how Suncorp Bank & OzHarvest are committed to helping you save food, money and the planet.
Through our partnership with OzHarvest, Suncorp Bank teams have taken part in an incredible 310 'Cooking for a Cause' events to help provide meals to people in need across Australia.
Learn more about how Suncorp Bank & OzHarvest are committed to helping you save food, money and the planet.
Fast, secure and easy access
to your money with the
Suncorp Bank App
The Carbon Insights Account is an online-only transaction account.
Access your money and transact 24/7 via Internet Banking and the
Suncorp Bank App.
Move your money
Transfer funds, pay bills and set up recurring payments, including BPAY® and Osko fast payments.++
Stay in control
Instantly lock and unlock your Visa Debit card if you misplace it.
Log in quickly and securely
Use Touch ID, Face IDß or a 4-digit PIN.
Budget better with sub-accounts
With a Carbon Insights Account, you can open up to 9 sub-accounts to help you keep track of your money. Use your sub-accounts to save for that holiday, new car, home deposit, or whatever else has caught your eye.
Budget better with sub-accounts
With a Carbon Insights Account, you can open up to 9 sub-accounts to help you keep track of your money. Use your sub-accounts to save for that holiday, new car, home deposit, or whatever else has caught your eye.
Open an account online in minutes
Verify your identity
To speed through your application, verify your identity online. Just have your drivers licence, Australian passport or Medicare card handy.
Add to your digital wallet
Once approved, you can add your Visa Debit card to your phone’s digital wallet instantly.
Frequently asked questions
Still have questions:
- To open a Carbon Insights Account, you will need to be aged 11 or over.
- The Carbon Insights Account is only available for personal customers.
- You’ll need to have access to Internet Banking to be able to transact on the Account and view eStatements and notifications.
We are working with leading carbon service provider Cogo to source industry-level emissions data aligned to customer spend categories. This will only be available to Carbon Insights Account customers via the Suncorp Bank App.
What are carbon (greenhouse gas) emissions?
Greenhouse gases (including but not limited to carbon dioxide and equivalents) are emitted when fossil fuels are burned for the purpose of transportation, electricity production, commercial and residential buildings, industrial processes or from livestock or agricultural production.
What is carbon neutral certification?
Carbon neutral certification is given to an organisation when they demonstrate a commitment to reduce emissions by supporting environmental projects to effectively reduce and offset their greenhouse gas emissions during an agreed time period.
In Australia, carbon neutral certification is governed by Climate Active.
Home Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
† A Suncorp Bank Visa Debit Card is required. Suncorp Bank Visa Debit Cards are not available to overseas residents, Trustee accounts, accounts where the number to sign to operate is two or more (no form of card access is allowed) or a child under the age of 11. Suncorp Bank Visa Debit Cards must have an account linked as Primary Credit Relationship. Each customer may only have one Suncorp Bank Visa Debit Card per Primary Credit account.
To be eligible for a Suncorp Bank Visa Debit Card you must be 11 years of age or older. For Visa Debit Cards issued to customers aged 11-15 years of age, we will (where possible) block purchases from merchants using the following Merchant Category Codes: Dating Services (7273), Massage Parlours (7297), Gambling Transactions (7995) , Government-Owned Lotteries (Non-U.S. region) (9406), Government-Owned Lotteries (U.S. Region only) (7800), Government Licensed Casinos (Online Gambling) (7801), Government Licensed Horse/Dog Racing (U.S. Region only) (7802), Direct Marketing - Outbound Telemarketing Merchants (5966), Direct Marketing - Inbound Telemarketing Merchants (5967) .
‡ An Eligible Card is a Suncorp Bank Visa Debit Card linked to Suncorp Bank personal transaction account (“Eligible Account”) for customers aged 18 or over. An Eligible Account does not include Suncorp Bank Growth Saver Account, Kids Savings Account or Suncorp Bank PayLater Account.
*
ß Face ID login is available on the iPhone X and later models. Please refer to our Mobile Banking/Suncorp Bank App terms and conditions before using.
++Osko fast payments can only be made to a PayID or to the BSB and account number of an Osko enabled account at another Osko participating financial institution via the Suncorp Bank App, Internet Banking or by visiting a Suncorp Bank branch. Osko fast payments cannot be made from or to Passbook accounts, loan accounts (other than line of credit and overdraft facilities), Farm Management Deposit Accounts, PayLater accounts and Fixed Term Deposits. Osko fast payments cannot be made from Kids Savings Accounts, Agent’s Statutory Trust Accounts (QLD, NSW) and Solicitor’s Trust Accounts (QLD) but can be made to them. Staff assisted Osko fast payments cannot be made in branch from Carbon Insights Account and Sub-Accounts, Everyday Options Sub-Accounts, Business Saver Accounts or eOptionsAccounts. Payments from an Account which requires 2 or more persons to sign to withdraw, future-dated and recurring payments and Business Payment Credits will not be made as an Osko fast payment. For full details about terms and restrictions that apply to Osko fast payments please read our Terms and Conditions for Suncorp Bank Accounts and Continuing Credit Accounts and the Product Information Document applicable to your account.
¢ Suncorp Bank is a member of the atmx by Armaguard (atmx) ATM Network. The deposit is taken by Armaguard on behalf of Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882) at all atmx ATMs. Fee-free access applies to the following transactions: a successful cash withdrawal, account balance enquiry, PIN change, transfer between Suncorp Bank accounts, or a cash deposit using a Suncorp Bank Visa Debit or Suncorp Bank eftpos Card. Daily withdrawal limits apply. Deposit up to 90 notes per transaction. Cheques deposits are not accepted at atmx ATMs for Suncorp Bank Customers. Terms and conditions apply. Find out more on our Suncorp Bank ATMs page.
£ Some transactions which may cause the account to become overdrawn include fees and other transactions that occur when Suncorp Bank is processing offline. If your account becomes overdrawn and has a negative balance we will not charge overdrawn fees or interest on the Everyday Essentials or Carbon Insights Account.
» The carbon emissions data provided is an estimate only and calculated using data provided by Cogo (a third party provider) relating to industry averages of carbon emissions per dollar spent for different merchant types (Industry Data). Calculations are based on averages only and are not specific to each item purchased at individual merchants and do not reflect individual merchants sustainability practices.
#An eligible purchase is one completed via the Visa network with your eligible card, that satisfies the terms and conditions associated with each offer as provided by each participating merchant from time to time. You can choose the Visa network when prompted to do so, or selecting "credit” when completing a debit card transaction or using Visa payWave. Purchases made using an online payment platform (such as PayPal) are not eligible, even when an eligible card is linked to that online payment platform.
>Terms and conditions apply. Find out more on our Suncorp Bank ATMs page. Suncorp Bank does not charge foreign conversion fees or cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a linked Visa Debit Card. Some overseas ATM providers may charge you fees for transactions. For more information, please read the relevant Product Information Document & Terms and Conditions applicable to your account.
Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
App Store is a service mark of Apple Inc.
Google Wallet, The Google Wallet logo, Google Pay, The Google Pay logo, Google Play and the Google Play logo are trademarks of Google LLC.
Android is a trademark of Google LLC.
The Canstar 2023 Innovation Excellence Award was received in April 2023 for the Suncorp Bank Carbon Insights Account.
For more information on Canstar awards, go to www.canstar.com.au
The Mozo 2023 Experts Choice Award for Banking Innovation was received in March for the Suncorp Bank Carbon Insights Account. For more information on Mozo’s methodology, go to https://cdn.mozo.com.au/expertschoice/Mozo-Experts-Choice-Awards-Bank-Accounts-and-Savings-Methodology-Report-2023.pdf
The Canstar 2024 Outstanding Transaction Accounts Award was received in April 2024. The award recognises financial institutions that provide outstanding value to Australian consumers through their suite of savings and transaction products. Suncorp Bank products assessed included: The Carbon Insights Account, Everyday Essentials Account and Everyday Options Account. For more information on Canstar awards, go to https://www.canstar.com.au/star-ratings-awards/savings-and-transaction-account.
The Mozo 2024 Experts Choice Award for Exceptional Everyday Account was received in April 2024 for Suncorp Bank Everyday Options Account and Suncorp Bank Carbon Insights Account. For more information on Mozo’s awards, go to https://mozo.com.au/expertschoice/bank-accounts.
