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Everyday Options Account

Pay NO account keeping fees, forever

No monthly fees, forever

with no deposit requirements or other strings attached

No currency conversion fees

0% foreign currency conversion fees2 on Visa Debit card1 purchases

Sub-accounts to help you save

You can open up to 9 interest-earning sub-accounts

Lock in higher rates

Set aside savings in your account with flexiRates

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.

Budget & save better with sub-accounts

With an Everyday Options Account, you can open up to 9 savings sub-accounts to help you keep track of your money. Use your interest-earning accounts to save for that holiday, new car, home deposit, or whatever else has caught your eye.

Everyday Options Accounts - Up to 9 Sub accounts

Everyday Options main account

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Variable Interest Rate

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Everyday Options sub-account

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Variable Interest Rate

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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 do flexiRates work?

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 rate than the unlocked portion. 

Example of flexirates for $10000 account balance

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.

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 set aside a portion of the money away in your Everyday Options main account or sub-account/s for fixed terms up to 12 months.


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Related fees for Everyday Options Account



Monthly account keeping fee


Foreign currency conversion fee on purchases online and overseas2


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 Bank customers can access fee-free# cash withdrawals and balance enquiries at Suncorp Bank ATMs, atmx & rediATMs 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

Open an account online in minutes

Or you can contact us so we can assist you

Get some quick answers

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.

5. 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.

# Terms and conditions apply. Find out more on our Suncorp Bank ATMs page.

† From 31 December 2021 an ATM operator fee will be charged for any ATM withdrawal or enquiry made on a rediATM network ATM.

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.