8.6 / 10

based on 13 86 400 reviews as rated by Mozo community

86 400 bank accounts

86 400 offers the following bank accounts

Rates and fees verified as correct at 22 June, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Account fee Payment options Interest rate
Pay Account

$0.00

Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit Pay, Garmin Pay

0% p.a.

How are 86 400 bank accounts rated?

Mozo users have rated 86 400 bank accounts on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of bank-accounts
86 400 bank accounts
Overall
8.6/10
Price
Features
Customer service
Convenience
Trust

8 Reviews

Recent 86 400 bank account reviews

86 400 Pay Account review
Overall 9/10
Best Neobank on the market today.

Using 86 400 was an experiment for me as I had never used a neobank. The user interface was a bit confusing to start with but I started to get the hang of it. The interest rate of 1.2% at the time of writing this is the best in the market and the use of OSKO for real time transfer is amazing. There were limits to the amount of money I could pay out of the account which was annoying but I think they increased the limits by a bit. One other con of 86 400 is they only allow you to earn the 1.2% up to $50K per account (max of 3 accounts) which is annoying and probably done to inflate their numbers of new accounts IMO. Other than that, it's been great to use and better than Up and Volt.

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Using 86 400 was an experiment for me as I had never used a neobank. The user interface was a bit confusing to start with but I started to get the hang of it. The interest rate of 1.2% at the time of writing this is the best in the market and the use of OSKO for real time transfer is amazing. There were limits to the amount of money I could pay out of the account which was annoying but I think they increased the limits by a bit. One other con of 86 400 is they only allow you to earn the 1.2% up to $50K per account (max of 3 accounts) which is annoying and probably done to inflate their numbers of new accounts IMO. Other than that, it's been great to use and better than Up and Volt.

Price
9/10
Features
7/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Kenny, New South Wales, reviewed 2 months ago
86 400 Pay Account review
Overall 10/10
Simple, easy.

The app is easy to use and I can view all my bank accounts from the one app. It offers instant payment and very easy to navigate. I would recommend this to anyone with a smart phone.

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The app is easy to use and I can view all my bank accounts from the one app. It offers instant payment and very easy to navigate. I would recommend this to anyone with a smart phone.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Melanie, Queensland, reviewed 5 months ago
86 400 Pay Account review
Overall 6/10
A1 for service. Can't fault staff.

This bank has a user friendly app and customer service is quite possibly the best I've encountered ever. My only issues are that the call centre is only open during business hours Monday to Friday and there are no physical branches. Other than that, A1 for service.

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This bank has a user friendly app and customer service is quite possibly the best I've encountered ever. My only issues are that the call centre is only open during business hours Monday to Friday and there are no physical branches. Other than that, A1 for service.

Features
4/10
Customer service
10/10
Convenience
1/10
Less
Rochelle, Western Australia, reviewed 5 months ago
86 400 Pay Account review
Overall 10/10
Excellent online banking

Less fees and online features are growing!

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Less fees and online features are growing!

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Ajaya, New South Wales, reviewed 10 months ago

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