Here's how to get the most out of your Access account

There is one (1) major prize of $50,000 to be won.

The draw will take place on 8 March 2027. The winner will be selected through a fair and random electronic draw conducted by an independent third party using eligible entrant records provided by NGM Group.

The winner will be contacted by SMS, phone or email within two business days of the draw.

You'll receive one entry for every ten eligible transactions you make in a calendar month using your Visa Debit card on your Newcastle Permanent Everyday Accounts or Greater Bank Access Accounts. Eligible transactions may be combined across multiple eligible accounts held with the same brand. Transactions are not combined across Newcastle Permanent and Greater Bank branded accounts.

There's no limit to the number of entries you can earn during the Promotion period.

A few examples:

• You make 6 eligible transactions on your Greater Bank Access account and 4 eligible transactions on your other Greater Bank Access account in the same calendar month = 1 entry.
• You make 6 eligible transactions on your Newcastle Permanent Everyday Account and 4 eligible transactions on your Greater Bank Access account in the same calendar month = 0 entries.
• You make 27 eligible transactions on your Greater Bank Access account in October and 14 eligible transactions made on the same account in November = 3 entries (2 for October and 1 for November).

Please note, eligible transactions are calculated separately for each calendar month. Any transactions that don't make up a complete group of 10 won't carry over into the next month.

You can earn entries from 1 September 2026 until 28 February 2027. 

New customers: No registration is required. Simply open an Access account and complete the required eligible transactions within the Promotion period to be automatically entered.

Existing customers: Existing customers are not automatically entered. You'll need to complete the online entry form included in your email invitation during the Promotion period in order to enter.

Eligible entrants will also need to make eligible transactions during the Promotion period to gain entries.

Eligible transactions are purchases of $5 or more made using your Visa Debit card on your Newcastle Permanent Everyday Account or Greater Bank Access account, where the transaction is processed through the Visa network. This may include your daily coffee, grocery shop or online purchases.

Exclusions apply. For example, cash withdrawals, transactions not processed through the Visa network and certain merchant categories will not qualify. Please refer to the Promotion Terms and Conditions for full details.

Yes, using your Visa Debit card for a recurring payment, subscription or online purchase with a merchant can count toward your 10 transactions, provided the transaction is processed through the Visa network and otherwise meets the Promotion requirements.

Yes, purchases of $5 or more made using your Visa Debit card through Apple Pay or Google Pay™ can count as eligible transactions, provided the transaction is processed through the Visa network and meets the Promotion requirements.

To qualify for this Promotion, a transaction must be processed through the Visa network. In some cases, merchants or their payment providers may choose to process transactions through a different payment network. Because Greater Bank does not control how a merchant processes a transaction, some Visa Debit card purchases may not qualify for the Promotion.

Yes, where an eligible account is jointly held, each eligible account holder may earn entries separately based on eligible transactions completed using their own Visa Debit card. Eligible transactions completed by one account holder cannot be combined with transactions completed by another account holder.

Yes. Eligible transactions completed across multiple Newcastle Permanent Everyday Accounts may be combined when calculating entries. Eligible transactions completed across multiple Greater Bank Access accounts may also be combined. Transactions cannot be combined across Newcastle Permanent and Greater Bank brands. Eligible transactions are calculated separately for each calendar month and do not carry forward to another month.

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.

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.  

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.