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Everyday Account questions and answers

Managing your money day-to-day is supposed to be easy, but it's only natural that you'll have some questions from time to time.

How do I activate my card? What do I need to open an account?

We answer these and a range of questions about our Everyday Accounts, from opening an account to making payments and understanding your account better.

How to open an Everyday Account:

Open an Access Account

Open an Ultimate Access Account

 

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Choosing the right account

 

We offer a range of everyday accounts designed to meet the needs of as many customers as possible. Whether you prefer a mixture of card and cash use, or are a pure card user and want an account to park your salary, we like to think we’ve got an account that will help you make the most of your money.

Check out our range of everyday accounts.

You can view the fees for our range of Everyday Accounts via the relevant Product Schedules on our Disclosure Documents page below:

View our Product Schedules

Activating your card

 

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 Logon 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.

What does that account or payment-related word or phrase mean?

We bust the jargon for you in this quick list of banking terminology.

 

Scheduled payments are regular recurring payments. They can be made on a recurring basis set by the payer. Many customers prefer to set in scheduled payments to help keep track of their expenses and not risk missing any payments.

Direct debit allows money to be transferred straight from your account to a third party, usually to pay bills.

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

An eftpos payment is a method that requires an electronic device to make the transfer of funds. It actually stands for 'electronic funds transfer at point of sale'.

Most Visa cards are now capable of using payWave. This is because they have been embedded with microchip technology that allow users to pay for goods and services by just holding the microchip on their card to the merchant terminal.

Osko® and PayID™ is a form of BPAY® payments that has been developed to be faster and more secure way of sending money from payer to payee. Whether splitting a bill or paying a friend back for a loan, Osko payments intend to make transferring funds quick and easy.

Opening an account with us

 

Opening an account with us is easy and can be done in one of three ways.

If you already bank with us:

  1. Log into our app or online banking (Deep link Button)

  2. Select the account type you’d like to open via the Products and Offers section and double-check all your personal details are correct

  3. That’s it. Your account is ready to use! Too easy.

If you don’t bank with us yet:

  1. Become a Greater Bank customer in minutes by completing one of our Everyday Account online forms and validating your identity

  2. 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

  3. That’s it. Your account is ready to use! Don’t forget to download our app so you can manage your money anywhere, anytime.

T&Cs, fees, charges and eligibility criteria apply.

To open an Everyday account online (Ultimate Access or Access Account), you must be a permanent resident of Australia, over the age of 18, and have an Australian address.

If you don’t already bank with us, iIn order to verify your identity, you'll need any two of: your current Australian driver licence, Medicare, or passport.

To open a Retirement Plus Account, visit our friendly staff at your local branch.

T&Cs, fees, charges and eligibility criteria apply.

Anyone can open a Greater Bank everyday account in any of our branches provided that you’re a permanent resident of Australia, over the age of 18, and have an Australian address.

To keep an Access account open, you must continue to have an Australian residential address.

T&Cs, fees, charges and eligibility criteria apply.

If you already bank with us:

If you’re already banking with us and registered for online banking, we won’t require any additional information from you as we have already verified your identity. You’ll simply need to:

  1. Log into our app or online banking (Deep link Button)

  2. Select the account type you’d like to open via the Products and Offers section and double-check all your personal details are correct

  3. That’s it. Your account is ready to use! Too easy.

If you don’t bank with us yet:

If you’re a new customer, we’ll need to verify your identity by having you complete one of our Everyday Account online forms.

In order to verify your identity, you'll need any two of: your current Australian driver licence, Medicare, or passport.

Transaction limits

 

  • $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.

Making purchases and payments

 

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 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 13 13 86, and we’ll help in processing your payment.

Direct Debit

 

When you set up a direct debit, you are responsible for:

  • making sure the account you choose the debits to be taken from is able to accept direct debits.
  • making sure you have enough money available for the debit on the date it will come out of your account.
  • paying any fees charged by the financial institution holding the account.
  • making sure that all account details provided are correct.

In order to set up a recurring direct debit on your account, you will need to speak to the biller directly to set up a Direct Debit. You will need to provide them with your account name, account number and BSB.

You can easily find these details within online banking or our app, but if you need to confirm these details, you can call us on 13 13 86 during our Contact Centre hours of operation (Monday to Friday 8.00am - 6:00pm and Saturday 8.00am - 1.00pm) and a friendly staff member will be able to assist you.

Alternatively you can send Greater Bank a secure mail from within Online Banking, or our App requesting this information.

Your account will be debited within two days of receiving the direct debit request. 

Give us a call if you have any questions, or you need to dispute a debit. you can call us on 13 13 86 during our Contact Centre hours of operation (Monday to Friday 8.00am - 6:00pm and Saturday 8.00am - 1.00pm) and a friendly staff member will be able to assist you.

Closing an account

 

To close a Greater Bank account, all you need to do is give our Contact Centre a call during their hours of operation on 13 13 86  (Monday to Friday 8.00am - 6:00pm and Saturday 8.00am - 1.00pm) and a friendly member of staff can help with the account in question.

How we can help

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Get in touch

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

Call 13 13 86

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 

Pay ID™ is a trademark of NPP Australia Limited ABN 68 601 428 737. 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.