Do I need a premium or high-balance account with AU Bank to get the zero forex markup?

No. A standard zero-balance digital savings account works perfectly and is fully eligible for the zero markup and zero processing fee offer. Zero markup is applicable on all savings accounts. A point multiple readers have raised is that their digital application is rejected because they are not accepting zero-balance accounts for certain PIN codes. So, to be on the safer side, apply for any non-zero-balance account if applying digitally.