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Region: Australia · UK guides · Start here

Bank Account Fee Calculator

MoneyHackHQ / Free calculator

What is your bank account really costing you?

Compare two accounts using your own spending and fees. See the ongoing annual difference and whether a one-off switching cost or eligible bonus changes the first-year result.

No signup required. Your entered figures stay in this page; they are not sent with analytics. Save your result before closing.

1. Your annual usage
2. Current account
Add ATM and other fees
3. Alternative account
Add ATM and other fees
4. First-year adjustments for the alternative

Use the result with the account conditions

Annual fees = monthly fee × 12 + eligible overseas spending × fee percentage + chargeable withdrawals × ATM fee + other annual fees. First-year saving = current annual fees − alternative annual fees − switching cost + eligible bonus. This is a fee scenario, not a full product recommendation. It excludes interest, tax, exchange-rate spreads and any costs you have not entered.

  • Check fee-waiver conditions, free withdrawal allowances and whether a fee is flat, percentage-based or both.
  • Compare interest, access, payment features and eligibility separately.
  • Before switching, update salary payments and direct debits. Keep enough funds in the old account until payments have moved.

Ubank vs Up · Wise vs Revolut vs Up

Further reading: ASIC Moneysmart: comparing transaction accounts.

Savings interest comparison

Compare interest using current bank rates

Rates from each bank’s published data

Check that you qualify for the rate. Combined-account limits include savings held outside this example.

$
Estimated interest over 12 months–

Choose an account to see an estimate.

Simple interest before tax over 12 months, with a constant balance and today’s variable rates held unchanged. All monthly conditions are assumed met. Tiered rates are included. This does not account for fees, compounding, deposits, withdrawals, taxes or future rate changes; it is not a recommendation.