Everyday Account
A day-to-day transaction account.
Pensioner Account
A day-to-day transaction account designed for pensioners.
With Cairns Bank you get
$0 monthly account keeping fees
Personal Service
Access your money when you need it
Why choose Cairns Bank for your everyday banking?
Because everyday banking shouldn’t feel like a chore — or a mystery.
We’ve been helping Cairns locals manage their money since 1899. That’s over 125 years of knowing what actually matters to the people who bank with us: simplicity, honesty, and someone real to talk to when you need one.
There’s no call centre here. No robotic hold music, no being passed between departments. Just pop into our branch on Grafton Street, any weekday, no appointment needed, and chat to someone who’ll actually help.
We’re customer-owned, which means there are no shareholders sitting between you and your money. Every decision we make is made with our customers in mind — not a head office interstate.
Whether you’re sorting your pay, paying bills, or just trying to keep track of where your money’s going, we’ll explain it plainly and skip the jargon. No confusing terms, no fine print traps, no talking down to you.
It’s your everyday account. It should work for your everyday life — with a bank that’s actually part of your everyday community.
Open an account today
To find out more or to open a transaction account, book an appointment with our friendly team or visit us in branch.
Transaction account FAQs
Who is Cairns Bank?
Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd. We’ve been supporting the Cairns community with their banking needs for over 125 years.
We take pride in our personal approach to banking. Getting to know our customers and delivering simple products and services is what we’re all about.
And as a customer owned bank we make decisions based on our customers’ needs, rather than the needs of shareholders.
How do I switch to Cairns Bank?
We understand that switching banks can be a painful process. If you pop into our branch our friendly staff can help you open your new bank account and also help you switch your regular payments to your new bank account.
How do I set up my online banking?
When you come into the branch to finalise your account we’ll set up your online banking and help you get started.
Is my money safe with Cairns Bank?
Yes. Money placed in a transaction account with Cairns Bank is protected by the Australian Government’s Financial Claims Scheme (FCS).
The scheme protects deposits up to $250,000 per person, per financial institution.