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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.

Manage your money 24/7

Securely 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 Pay.TM

Access to the VISA Network

Get a Visa Debit card with your account and take advantage of 24/7 fraud monitoring and Visa payWave.

 

Rates are effective as at 9am Wednesday 24/06/2026 and are subject to change without prior notice.

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
eftpos fee N/A
Greater Bank ATM withdrawal fee  N/A
Branch withdrawal fee N/A

Other fees and charges apply for certain services or special transactions you request. See the product Terms and Conditions for account terms, conditions, fees and charges.

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 secure 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 a NSW or QLD 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.
A card designed to reduce impact. (Mobile)

Made from 100% recycled plastic

A card designed to reduce impact.

Our card bodies are made from 100% recycled plastic, helping reduce the carbon footprint compared to using non-recyclable materials. And that’s all without compromising quality or security.

Card FAQs Card FAQs

 

Tools and support

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

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 banking
  • 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.

Account terms, conditions, fees and charges apply.

Have you noticed a difference between your account balance and your available funds?

The difference may be due to a pending transaction.

Payments, cash withdrawals or deposits can sometimes appear as pending on your account until the transaction is fully processed.

This can cause some confusion as you may think that a payment hasn’t been successful, or you might have been charged for something twice.

If you want to know how much money you have available in your account look at your available funds.

Withdrawal limits are outlined on our Payment Limits page.

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.  

Osko 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.

Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC.

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.

The easiest way to access your statement is through our app or online banking.

App

  • Go to Manage > Accounts > Statements

Online banking

  • Log on to online banking and click on ‘Manage’ on the left of screen if accessing online banking via a desktop/browser and navigating down to Accounts and select ‘Statements’. 

Next, select the required account and then select the year you are wanting the statement from.

Then, click ‘view’ on the right of screen next to the required statement to access a PDF version. You can now save or print this file for use.

You can also view Financial Year Interest information by selecting the required account from the home screen and then selecting ‘Details’.

Alternatively, you can call 13 13 86 and request a statement be mailed to you at any time (a fee may apply).

Looking for an interim statement? See how to access one here.

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

Rates are effective as at 9am Wednesday 24/06/2026 and are subject to change without prior notice.

Account terms, conditions, fees and charges apply.

ΔNo ATM fees apply when you use your Greater Bank Visa debit card at a Greater Bank, Newcastle Permanent, ANZ, CommBank, NAB or Westpac ATM to withdraw cash or check your balance within Australia.

®Osko and BPAY are registered to BPAY Pty Ltd ABN 69 079 137 518.

PayID and PayTo are registered trademarks of NPP Australia Limited.

Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Wallet, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531 

Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC.

Terms and conditions apply for the banking app and online banking.