The banking tools you need to manage your money


Online shopping and in-person payments are covered with your membership. Visa debit and credit cards are one of the most widely accepted forms of payment in the world, they also integrate with digital wallets for electronic payments using your phone or watch with Apple Pay or Google Pay.


Move money between your bank accounts easily and instantly with full-service internet banking included in your membership. Paying bills or transferring funds to someone is equally easy using the range of electronic transfer services at your fingertips; BPAY, Osko, direct debits, Swift and PayID. 


Over-the-counter transactions can be made at any Australian post office and you can always call our personal bankers directly during business hours for any help you need. Using your Visa card you can withdraw cash at any time from any of the Big Four Banks' ATMs, for free.

Your tools for better banking

A First Option membership automatically includes a suite of accounts and online banking tools to help you better manage your money. Dr Steve explains the concept of using bank accounts as 'buckets' to help you get your head around where your money goes.

State-of-the-art digital banking tools included with your membership


Point of sale payments on your mobile phone or watch with Apple Pay and Google Pay

Pay your bills online

Almost-instant electronic transfers

Send and receive money with just your mobile number or email address

Fee-free Visa debit card

Pay for purchases and access your cash.

  • Perfect for in-store and online shopping
  • Integrates into digital wallets on mobile
  • Access cash across Australia, fee-free, at any of the Big Four Bank's ATMs
  • Change your PIN or temporarily lock your card in the app
  • Use your card overseas for purchases and cash withdrawal
Become a member
First Option Bank - low-rate credit card
Free cash withdrawals from any of the Big Four banks' ATMs around Australia
Over-the-counter transactions at any of 3,500 Australia Post locations