Life can be chaotic with so many bills, repayments and distractions leaving so little time to spend analysing your finances. We have a solution in one easy everyday bank 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.


An everyday account that does it all

With 24/7 availability via Online Banking, a Visa Eco Debit Card and our Gateway 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.


An Edge Account is the only transaction account you need


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 Gateway mobile app, you can easily keep track of your saving and spending.


With quick online applications, you can open your hidden fee-free bank account in a few simple steps

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 above.

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

The Edge Account — a no monthly fee bank account for everyday use

 At Gateway, we reward Members who save, offering 0.10% p.a. Interest on your Edge Account balance over $1000. Plus, we make saving easier with no card fees and no ongoing monthly fees, so more of your money stays in your account.


You can also apply for an Edge Overdraft. Feel secure in your everyday spending by setting up an Edge Overdraft account with limits from $1,000 and up to $20,000. Your Edge Overdraft account can provide instant access to funds for unexpected expenses. With a competitive rate, no monthly account keeping fees and full visibility via online, mobile or phone banking, you can spend with confidence knowing you’ve got a safety net in place.



Is the Edge Account the right transaction account for me?

The Edge Account combines low overdraft rates, convenient access options and no hidden fees in one easy everyday transaction account. With an overdraft option of up to $20,000, this everyday account can help simplify your finances by removing the need for multiple bank accounts and credit cards. The Edge Account is suitable for all everyday purchases and transactions and with no minimum or maximum terms and no exit fees.


Setting up your Edge Account takes less than 5 minutes with simple online applications. If you would like to add an overdraft option, please see our Edge Overdraft page for details on how to apply. To apply online you will need to be an Australian resident aged 18 years or older with two forms of Australian ID.  Apply for your Edge Account today or get in touch for assistance from one of our friendly consultants.

More information about our award-winning Edge transaction account

The Edge Account offers convenient fee-free everyday banking with unlimited deposits and withdrawals, easy 24-hour access to your money and you have the option to apply for a personal overdraft limit of up to $20,000*.


Using your Edge transaction account

  • Visa Eco Debit Card — link a plant based eco debit card to your Edge Account free of charge for easy access to your funds. Make use of ATMs throughout Australia and perform secure in-store and online payments backed up by Verified by Visa.
  • Online banking — Access your funds, set up regular payments, transfer money between your accounts and more with our secure online banking service. Plus, bank online with confidence with our Secure SMS service. This service adds an extra layer of security, requiring SMS authentication for all external transactions.
  • Gateway mobile app — All the convenience of online banking at your fingertips. Access our handy Gateway mobile app and utilise features like BPAY, internal and external transfers on your mobile device.


This award-winning transaction account offers everything you need for simple everyday banking and comes backed by Gateway’s exceptional customer service. See our product information links above to learn more about our award-winning everyday bank account, or talk to our friendly team to find out if an Edge Account is right for you.

Can’t decide which savings account suits you best?

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

Plan your budget

*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 App. Must be registered for Secure SMS in order to transfer funds externally. Refer to the Gateway App page for more information.