Everyday Plus

Are you 55+ and want simple banking? Spend, save and earn interest all in one account.

Apply now

what's included.

Tap & Go.

It's easy with your Visa card, or our increasing options of Pays and wearables. The choice is yours with Illawarra Credit Union.

More ways to pay.

Tap your own way - Google Pay™, Apple Pay®, Samsung Pay®, Fitbit Pay™ and Garmin Pay™.

Always on.

24/7 access with e-statements, internet banking & our moneytree app - banking from your phone or tablet.

Your pay.

Get paid into your account.

Save & earn.

Earn interest with your Everyday Plus account.

Instant payments.

Make a payment and know it has been received and cleared in minutes - Osko® & PayID.

Here's what you need to know.

Who can apply?

Anyone who is 55 and over, with no need to provide us with a pension card. Minimum of $1 is required to open the account and it’s limited to one account per membership.

all you need to do is

  • Select the ‘open now’ button,
  • Fill out the short form by following the prompts.
  • Hit submit!

what happens next?

Someone from our team will be in contact within 1 business day to get you started with everything you need. It’s simple banking.


balance interest rate
$0  – $9,999 0.05%p.a.
$10,000 – $29,999 0.05%p.a.
$30,000 – $49,999 0.05%p.a.
$50,000 – $99,999 0.35%p.a.
$100,000 – $249,999 0.35%p.a.
$250,000 + 0.55%p.a.




Interest is calculated daily on closing credit tier balance, credited 31 March, 30 June, 30 September & 31 December.

Refer to our Summary of Accounts & Availability of Access Facilities for more information.

To reduce or cancel your credit limit complete our online form or call us on 13 22 49.


Account keeping fees
Monthly account keeping fee $6

Transaction fees and charges may apply, please refer to our Fees and Charges

Save on Fees.

Say goodbye to your monthly account keeping fee, simply by following our tips below:

Deposit at least $2,000 into your account each month (AKA your salary); or
Ensure your average membership balance to $50,000 or above. This includes all loans and deposits in your name. It’s a great excuse to consolidate your banking with Illawarra Credit Union.

Important notes

Illawarra Credit Union Limited is the product issuer of the deposit and payment products. Any advice given is of a general nature only and does not take into consideration your objectives, financial situation or needs. Please consider the appropriateness of the advice before acting. Refer to the Account and Access Facility Conditions of Use and the Fees and Charges for more details. Fees and charges are payable. Terms and conditions apply and are available on request.

BPAY® registered to BPAY Pty Ltd ABN 69 079 137 518.  Osko® is a registered trademark by BPAY Pty Ltd ABN 69 079 137 518. Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd.

Your Financial Wellness

Getting your finances fit.

Find out more

Frequently Asked Questions

Find the answer to our frequently asked questions here. We're here to help, so if you can't find the answer here, just give us a call.

Find out more

Financial Planning

Use an expert to keep up to date and make your money work for you.

Find out more

Need help?

That's what we're here for. Just give us a call, and our team will help you setup your Everyday Plus transaction account.

Apply now.

Already a customer?

Apply in internet banking

New customer?

Apply online