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Everyday Options Account

Pay NO account keeping fees, forever


No monthly account fees

$0 account keeping fees, forever


No foreign currency conversion fees

0% currency conversion fees on Visa Debit Card1 purchases online and overseas2

Earn interest on every dollar

Main account balances at IRM{daa.2.1}3
Linked sub-account balances at IRM{edosa.2.1}4

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Open an Everyday Options Account now

It only takes about 5 minutes

Mobile payments give you more ways to pay

apple pay buttonGoogle Pay logo

Pay on the go in-store or online using your smart phone thanks to Apple Pay and Google Pay, available to use with your Suncorp Visa Debit Card1.

How it works

With an Everyday Options Account, you can open up to 9 interest-earning savings sub-accounts to help you plan and save. Access your sub-accounts online with no account keeping fees and unlimited transfers to and from your Everyday Options main account.

You must hold an Everyday Options main account to open an Everyday Options sub-account. 

Everyday Options Accounts - Up to 9 Sub accounts

Everyday Options main account

IRM{daa.2.1} 3
Variable Interest Rate

Currently unavailable

Everyday Options sub-account

IRM{edosa.2.1} 4
Variable Interest Rate

Currently unavailable

Keep track of your money and save for that holiday, new car, home deposit or whatever you like.

  Looking for a higher interest rate? Lock away a portion of your savings with our flexiRates.

Budget & save better with sub-accounts

Pay bills from your savings

Unlike most online savings accounts, you can pay bills directly from your sub-accounts via BPAY or direct debit at no additional cost. Set and forget those regular bills with automatic payments.

No account keeping fees & no minimum deposit

No minimum deposit or closing balance conditions means every cent in your sub-account is earning interest.

Lock in a higher interest rate

Sub-accounts give you easy, online access to our flexiRate feature. This lets you lock in a higher interest rate on balances for fixed terms up to 12 months.

Personalise your accounts how you like them

Name your sub-accounts for a specific goal or purpose. Splitting your funds into different accounts can help you stay on track with your spending and savings goals.

How to set up your account

Step 1

Ready to apply? Open a new Everyday Options account plus up to 9 sub-accounts in less than 5 minutes.

Step 2

Set your Debit Card PIN now in the Suncorp App or Internet Banking.

Step 3

Add your Visa Debit Card1 to your digital wallet. You can set up Apple Pay or Google Pay easily from your smartphone using the Suncorp App.

Step 4

Try our online switching tool. Available in Internet Banking it can help you move saved Biller and Payee details from your old bank to your new Suncorp Account in a few simple steps. Easy!

Helpful tools

Budget Planner

Use our budget planner to see how much you’re spending and saving each week

Account Switching Tool

Import your saved payee and biller information from another bank to your Suncorp account with our online switching tool

Savings Calculator

See how much interest you could earn on a savings account or with a flexiRate available with this account

Rates and fees

Interest Rates

Earn interest on your everyday balances and optional sub-accounts.

Everyday Options main account
Everyday Options sub-account

Boost your savings with flexiRates

You could earn higher interest by choosing to lock a portion of the money away in your Everyday Options main account or sub-account/s for fixed terms up to 12 months.


IRM{edosaf.2.2} ~

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Related fees for Everyday Options Account



Monthly account keeping fee


Foreign currency conversion fee2


Unlimited fee-free transfers

Our Everyday Options account with linked sub-account option offers unlimited fee-free Suncorp Bank transactions. To withdraw cash from a sub-account, simply transfer your funds into your Everyday Options main account using telephone, mobile or internet banking and withdraw.

Using other ATMs

Suncorp customers can access rediATMs fee-free Australia wide. You can also access the big four banks’ ATMs fee-free. Withdrawals and enquiries at other ATMs will incur the ATM operator fee by the financial institution who owns the ATM. This fee will be charged immediately at the time of the transaction to your Everyday Options main account.

Want to find out more?

Compare all Everyday Accounts

Use our comparison table to easily compare all Everyday Account features side by side

Compare accounts

Product Information Document

For more details about this account download our Product Information Document

Read more

Compare all Savings accounts

Check out our savings accounts - find out which savings account best supports your goals.

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Or you can contact us so we can assist you

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Things you should know

1. To be eligible for a Suncorp Bank Visa Debit card you must be 16 years of age or older. If not eligible you will receive a Suncorp Bank eftpos card.

2. A Suncorp Visa Debit Card is required.

~ Displayed rate is based on a rate currently available for a 3 month flexiRate. flexiRates are available on Everyday Options Main and Sub-accounts. If a flexiRate is not set up standard variable Everyday Options Main or Sub-account interest rate will still apply. If your account is operating in offset mode, you will earn credit interest on the amount of your flexiRates, and the remaining balance will offset your loan.

Account Switching Self-Service Terms and Conditions can be viewed here.

Deposit Products are issued by Suncorp-Metway Ltd (“Suncorp Bank”) ABN 66 010 831 722 AFSL No 229882. Please read the Product Information Document for Personal Deposit Accounts before opening an account. Fees, charges, terms and conditions apply and are available on request.

Apple, the Apple logo, Apple Pay, iPhone and the App Store are trademarks of Apple Inc.

Android, Google Pay and the Google Logo are trademarks of Google LLC.

Suncorp Bank received the Canstar 2021 Transaction Account Award in April 2021 for the Everyday Options Account.