Life can be chaotic with so many bills, repayments and distractions with so little time to spend analysing your finances. We have a solution in one easy account – our award-winning Edge Account.


Your easy everyday banking account has zero monthly fees and no minimum withdrawal or deposit requirements. Use Australia’s first Eco Debit Card to access your funds whenever and wherever you are. With the added option of a personal overdraft* giving you the peace of mind of a safety net with access to extra funds when you need them, a Gateway Edge Account can help with all your banking needs.

With 24/7 availability via Online Banking, a Visa Eco Debit Card and our Gateway 2go app, you have many ways to pay from and receive money into your Edge Account, right at your fingertips. Plus, you can have your salary credited directly to your account, pay bills using BPAY®, or schedule your direct debits directly from your Edge account, making an Edge Account your one-stop shop for everyday banking.


Visa Eco Debit Card
Your ability to access ATMs Australia wide and make purchases online or in store just got easier with our new plant based Visa Eco Debit Card that can be linked to your Edge Account.

Link an Eco Debit Card to your account, free of charge, with the security of Verified by Visa for worldwide and secure access to your money. Find out more about our Visa Eco Debit Card.

Overdraft Availability*
If you would like the added option of an overdraft to your Edge Account, simply submit an Edge Overdraft application. An Edge Overdraft allows you access to extra funds up to $20,000 (subject to credit approval), giving you the flexibility of an everyday banking account with a financial safety net when you need it, without being charged overdrawn penalties.

Competitive Rates, No Hidden Fees
With no establishment fees, no card fees, and no ongoing monthly fees, these are just some of the ways you can keep more money in your pocket. Plus, with full visibility of your account using Online Banking and the Gateway2go app, you can easily keep track of your saving and spending habits.

Featuring 0.10% p.a. on balances above $1000, the Gateway Edge Account rewards you for your savings all in one easy to manage account.

How to Open An Account
An Edge Account can be opened by any Gateway Member. Becoming a Gateway Member is easy, and can be done entirely online by clicking the ‘Open an Edge Account’ button below.

Your online application can be done in less than 5 minutes, and all you need is any two of the following; Australian Driver’s Licence, Australian Passport or Medicare card.

Alternatively, you can call our team on 1300 302 474 (Monday to Friday, 8am to 6pm AEST) to open your account.

$1,000 and over 0.10 % p.a. Interest rate
Balances $1000+

Product Features:

Savings & Bank Accounts
Minimum Rate : 0.01% pa
Maximum Rate : 0.10% pa
Monthly Fee : $0
Annual Fee : $0
Minimum Amount : $0
Cheque Book : No
Funds Available : At Call
ATM/EFTPOS Access : Yes
Online & Phone Banking : Yes
Direct Entry (Credit/Debit) : Yes
Interest Income : Interest is calculated on daily balances and credited monthly
Debit Card : Yes
Branch Access : Yes
BPAY® : Yes
Overdraft : Yes
Periodic Payments : Yes

Can’t decide which savings account suits you best?

Use our comparison tool to help find the best one for you.

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*Applications for finance are subject our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.

1 Gateway Members have access to a wide network of ATMs Australia wide, fee-free. ATM operator will advise if a fee is charged.

2 A daily transaction limit of $5000 applies for transactions on Online Banking / Gateway 2go™. Must be registered for Secure SMS in order to transfer funds externally. Refer to the Gateway 2go™ page for more information.