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Get the most out of your Ultimate Access account

Get the most out of your Ultimate Access account

Thanks for opening a Ultimate Access account. You’re going to love your new account – access your money wherever, whenever and more importantly no more transaction fees!*

Get the most out of your Ultimate Access account

You've got the ultimate everyday account

We want you to get most out of your new account! Simply by depositing at least $2,000 into this account each month (your pay for example) you can say goodbye to transaction fees*.

Here's some more tips to make life easier!

Tap and go

'Tap and go' for purchases instore and shop online worldwide using the Visa global network. Visa Secure# provides an added layer of security to ensure that only you can use your Visa card to make purchases online.

Learn more

Set up a PayID

Learn how to send and recieve money in real time using your email address or mobile number by setting up a PayID.

Learn how

Make the switch

It's easy to switch regular scheduled payments into your new account, learn how.

Learn how

Set up alerts

Use Online Banking to set up SMS and Email Alerts to keep track of your money^

Learn how

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.


  • Simply Logon to Online Banking.
  • Click Card Maintenance and select your account from the menu.
  • Complete the security and verification procedures.


Call The Greater Bank Phone Banking Service on 1300 363 536 and follow the prompts.


Drop into your nearest branch.

$2,500 is the daily withdrawal limit over the counter at Greater Bank branches.

$2,000 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.

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 remember your card details constantly. Find out more about Click to Pay with Visa here.

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 fee-free. 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 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 Online Banking or our App, 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 1300 651 400, and we’ll help in processing your payment.

Here when you need us

Get in touch

Call us Monday to Friday
8:00am to 5:30pm
Saturday 8:00am to 1:00pm AEST

Call 1300 651 400

Drop into branch

Find your nearest branch or ATM using our locator

Find a branch

Send us a DM

Use Facebook Messenger to get in touch when it suits you.

Message us

*You need to make $2000 in external deposits each calendar month, otherwise you will be charged transaction fees.

#Visa Secure (formally known as Verified by Visa) adds an extra layer of security when you shop online with participating retailers. Please see our website for more details or you can read more information about Visa Secure on Visa's website

^Email Alerts are free to all customers on all accounts. SMS Alerts (inlcuding Direct Debit SMS) are $0.20 per alert. 

This information is general only. You should consider the appropriateness of the information and our products to your circumstances before proceeding. Terms and conditions apply.