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Why choose our Ultimate Access Account?

No transaction fees

Say goodbye to transaction fees simply by depositing $2,000 into your account each month.

More for you

No monthly account-keeping fees.^

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.

 

 

Ultimate Access Account Interest rates

No interest applies to funds held in Ultimate Access accounts.

Fees

Monthly account keeping fee $0
Transaction fees $0*
Foreign currency conversion fee 3.00%

* when you deposit $2,000 in your account each month, like your salary.

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

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Current Product Schedule - Ultimate Access 204kB

Who can open an Ultimate Access Account?

Our Ultimate 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 Ultimate 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 Ultimate Access account

To open an Ultimate 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.

 

Got a question about our Ultimate Access Account?

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.

  • $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.  

You have a number of options when paying for things in-store.

  • Of course, cash is always an option for payments, and you can use your Greater Bank Visa card at any Greater Bank or major bank ATM Australia-wide to withdraw cash. Find an ATM near you here.
  • To make an eftpos purchase by swiping or inserting your Visa card, simply verify the purchase amount on the eftpos terminal, swipe or insert your card, select the account you’d like to use funds from, enter your PIN, and that’s it.
  • To make in-store purchases using contactless card technology, simply verify the purchase amount on the eftpos terminal and hold your card within 2cm of the terminal. Wait for the terminal to beep and verify that the transaction has been completed. In some instances you may be asked to enter your card PIN.
  • In-store purchases can also now be made using your smartphone or wearable device digital wallet. Greater Bank Visa card holders are able to upload their card details and use Apple Pay or Google Pay at eftpos terminals Australia-wide. To do this, simply verify the purchase amount on the eftpos terminal and hold your phone or smart-device within 2cm of the terminal and wait for the beep. This will signal that the transaction has been completed.

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.

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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.

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 

No transactions fee apply if you deposit $2,000 or more into your account in a calendar month. Other fees and charges may apply. See the Ultimate Access Product Schedule for full terms, conditions, fees and charges. No interest applies to the Ultimate Access Account. Please read the Ultimate Access 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.