On Call Transaction Account

A transaction account with a variety of access options.

A transaction account with a variety of access options.

Our On Call Transaction Account has been designed to help take the stress out of managing your finances with a range of flexible options to access your money, whenever you need it. With this account, you get up to 12 EFTPOS transactions and 5 direct debits per month for free.

Sub-accounts can also be set up, making it easier to budget and help keep your financial goals on track.


No monthly account fees1

No minimum deposit

Choice of a CueCard or Visa Debit card

24/7 account access via internet banking, app or SMS banking

ATM, EFTPOS, cheque and branch access

Deposits Australian Government Guaranteed up to $250k 7


Product facts
Visa debit card or CueCard
Internet, App & Phone Banking
Monthly Account Fee
Visa Debit Card Fee
$2 per month
12 free then $1 per trans
Direct Debit Fees
5 free then $0.50 per trans
External Internet Transfers
Internal Internet Transfers
Card Replacement Fee
Cheque Book Access
Personal Cheque Fee
Branch Deposits


Least cost merchant routing
Am I able to determine how my transaction is processed?

Yes. If you wish to control the network your purchase is processed via, you can still select your preferred debit network by inserting your card and making a selection (cheque, savings or credit), rather than using tap-and-go or contactless payment options.

Are mobile wallet transactions impacted by least cost routing?

No. Currently mobile wallet transaction, such as Google Pay and Apple Pay, are currently pocessed as credit transactions are are therefore unaffected by this change.

Does least cost or merchant routing apply to all card transactions?

No. It only applies to dual-network debit cards. It does not affect members using credit cards or single network debit cards.

How do I know if I have a dual-network debit card?

Most debit cards issued in Australia are dual-network cards:  these cards support both an international network (VISA or Mastercard) and the domestic eftpos network and therefore have an international network logo on one side and the eftpos logo on the other. This means that debit card transactions can be routed through either of those networks. Any transaction typically draws on the same deposit account regardless.

How has the routing of a payment been determined in the past?

Traditionally, when a card was inserted into a point of sale terminal, cardholders determined how their debit transactions were processed, by pressing either the CHQ or SAV buttons for eftpos or the CR button for the international network.

How will least cost routing impact me?

Due to these changes, you may see an increase of eftpos purchase transactions on your statement when using contactless payment options.

What can I do if I keep reaching my fee-free eftpos transaction limit?

Please call our friendly Member Service Team on 13 77 28 between 8.45am and 4.30pm Monday to Friday to discuss your options.

What is least cost or merchant routing?

Merchants and shopfronts now have the option to send a contactless transaction via the network of their choice (VISA or eftpos), whichever costs them the least to accept.

What is QBANK doing about this?

From 1 December 2019, QBANK will increase the number of monthly fee-free eftpos transactions from 8 to 12 on the On Call account and remove all fees from the Pension Plus account.

Disclaimer information Expand

1 Card administration fees may apply.

2 Visa Debit is only available to members 18 years of age and over.

7 The Australian Government’s Financial Claims Scheme (FCS) protects depositors in the event that a financial institution becomes insolvent. The FCS is administered by the Australian Prudential Regulatory Authority, APRA. For further information on the FCS, including limits on the protection level, please visit the FCS website and their FAQs.

Terms and Conditions and Fees and Charges apply. Current interest rates are available here and are subject to change at any time. Rates current as at 9 February 2021.

Ready when you are

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Existing members can open an account via internet banking

Let's talk

Speak to a friendly Member Services Consultant.

13 77 28

8:45am to 4:30pm Mon-Fri

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