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Why choose our Access account?

More for you

No monthly account-keeping fees.^

Your money, your way

Manage your money whether you prefer using cash or card.

(Transaction fees* may apply – see our Access Savings Product Schedule for all the details).

Manage your money 24/7

Access your money whenever you need to, wherever you are via our app or online banking.

Osko® and PayID®

Set up your PayID to send and receive payments in seconds thanks to Osko by BPAY.

Pay your way

Set up your digital wallet to make purchases using Apple Pay and Google Wallet.

Access to the VISA Network

Your account comes with a Visa Debit Card compatible with Visa payWave, taking advantage of VISA’s 24/7 fraud monitoring.

 

Rates are effective as at 9am Thursday 21/11/2024

Access Account Interest rates

Rates for portion of balance between: $0.00 - $4,999.99 $5,000.00 - $99,999.99 $100,000.00+
Variable 0.00% p.a. 0.00% p.a. 0.01% p.a.

Fees and charges

Monthly account keeping fee $0
Foreign currency conversion fee 3.00%

The above are a selection of our fees only. Additional Fees and Charges may apply. For further information please view the Access Savings Product Schedule.

PDF
Current Product Schedule - Access Account 200kB

Who can open an Access Account?

Our Access Account can be opened by any individual in Australia, with a valid Australian residential address.

Compare all everyday accounts Compare all everyday accounts

 

How do I open an Access account?

I don't bank with Greater Bank

Become a Greater Bank customer in minutes by completing our online form and validating your identity.
We’ll send you an email and SMS with temporary access details to online banking. Simply log in and complete your account opening within the app or online banking.
That’s it. Your account is ready to use! Don’t forget to download our app so you can manage your money anywhere, anytime.

I already bank with Greater Bank

Log into our app or online banking.
Double-check all your details are correct.
That’s it. Your account is ready to use! Too easy.

What you'll need to open an Access account

To open an Access account, you must be a permanent resident of Australia, over the age of 18, and have an Australian address;
In order to verify your identity, you'll need any two of: your current Australian driver licence, Medicare, or passport;
Your Tax File Number (TFN) is optional, but if you don't provide it we may have to collect Withholding Tax on the interest you earn. You can always add your TFN later by calling our Contact Centre at 13 13 86.

 

Tools and support

Activating your Greater Bank Card is easy and can be done in a number of ways

Mobile App

Most of our customers choose this option as it's the easiest

  • Login to our mobile app.
  • Tap on 'Activate your card' on the top right-hand side of screen.
  • Follow the prompts.
Online
  • Simply log on to online banking.
  • Click 'Card Maintenance' and select your account from the menu.
  • Complete the security and verification procedures.
Phone

You can give us a call on 13 13 86 and one of our friendly staff can activate your card for you.

Branch

Drop into your nearest branch.

Pending transaction means the transfer of funds is still being processed.

  • $2,500 is the daily withdrawal limit over the counter at Greater Bank branches.
  • $5,000 is the daily limit for Osko by BPAYⓇ transactions in online banking.
  • $1,500 is the daily withdrawal limit for ATM or eftpos transactions per card. Keep in mind, eftpos withdrawals are included in the daily withdrawal limit, unless you select to use Credit or Visa payWave.
  • $25,000 is the daily online banking withdrawal limit per customer.

You have a number of options when paying for things online.

  • When transferring money or paying bills, you can of course use online banking. Payments can be made using Osko by BPAY, using a BSB and account number, or using BPAY.
  • When making online purchases, you’re able to use your Greater Bank Visa card details, such as your card number, name, card expiry details and CVC number (located on the rear of your card). Just be sure that you’re always making purchases through secure websites. Learn more about this in our Security section.
  • You also have the option to use Google Pay to make purchases online with participating retailers. Your details will remain securely stored and the transaction will take place as a Google Pay payment. If a secure purchasing website offers Google Pay payments, simply follow the prompts.
  • You can also make online payments easy by registering for Click to Pay with Visa. This service allows you to securely store your card details so you don’t have to constantly remember them.  

Scheduled Payments (sometimes referred to as EasyPay) allow you to take the guesswork out of your regular payments. Within online banking, you’re able to create payments to other Greater Bank accounts, and to accounts with third-party financial institutions, and you’re also able to set these payments up so they’ll occur regularly according to your needs. Here’s how it's done:

  • Log into our app or online banking, click 'Transfer' between my accounts or PayAnyone.
  • Select the account you wish to transfer money from.
  • Select the account you wish to transfer money to.
  • Enter your amount in $AUD.
  • Select the frequency of your payment. If it’s to be a one-off, just click ‘NOW’. If you want the payment to occur later, click ‘LATER’.
  • Select whether you want to send the payment as an Osko (real time) payment or as a traditional transfer, which can take up to two business days.
  • If you want the payment to be a one off, just select the start date of your payment, and a frequency of ‘ONCE’.
  • If you want your payment to become a recurring payment, select the frequency of your payment (weekly, fortnightly, etc) and select a payment stop date (further notice or selected date)
  • Click continue

If you’re processing a payment to a payee you’ve never used before, you’ll be prompted to enter your one-time SMS password, which will be sent to the mobile phone we have on file for you. If you do not receive a code, just give us a call on 13 13 86, and we’ll help in processing your payment.

More FAQs More FAQs

Can't quite find what you're after?

Got a question?

Maybe you’re not alone. Our FAQs answer some of the more common banking questions we get asked.

Frequently asked questions

Drop into a branch

Our friendly staff are happy to help with all your banking needs. Find a location near you across NSW and South East QLD.

Find a branch

Get in touch

Call us Monday to Friday 8:00am – 6:00pm and Saturdays 8:00am – 1:00pm AEST.

Call 13 13 86

^ Other fees and charges may apply. Refer to the relevant Product Schedule for further information.

* Transaction fees may apply if the fee allowance is exceeded. Other fees and charges may apply. See the Access Product Schedule for full terms, conditions, fees and charges.

Any advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the product is suitable for you and your personal circumstances.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992, Australian Financial Services Licence/Australian credit licence 238273 

We calculate interest by applying the daily percentage rate to the different portions of your daily balance as set out in the above tiers. Interest is calculated daily and is paid six-monthly on 30 June and 31 December. These rates are current as at the Effective Date and are subject to change by Greater Bank without further notice. Conditions apply. Please read the Access Savings Account Product Schedule and the Banking General Terms and Conditions for more information.

Android and Google Pay are trademarks of Google LLC. Read the Google Pay Terms and Conditions.

PayID is a registered trademark of NPP Australia Limited. Osko by BPAY and BPAY are registered to BPAY Pty Ltd ABN 69 079 137 518. You should review the relevant payment facility terms and conditions available on our website before deciding whether a service is appropriate for your personal circumstances.