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Retirement Plus Account
For portions of your balance above $100,000.00. Calculated daily, paid monthly
As you approach retirement, your banking needs change. Our Retirement Plus Account strikes the right balance between an everyday and savings account. It rewards you with a higher interest rate, with easy access to your funds.
To open a Retirement Plus account, you must be an Australian citizen or permanent resident over the age of 55, and have an Australian address.
In order to verify your identity, you'll need your current Australian driver licence, Medicare, or passport details.
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.
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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.
Pending transaction means the transfer of funds is still being processed.
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.
^ 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
We calculate interest by applying the daily percentage rate to the different portions of your daily balance as set out in the above tiers. We pay interest monthly. These rates are current as at the Effective Date and are subject to change by Greater Bank without further notice. Conditions apply. Please read the Retirement Plus Account Product Schedule and the Banking General Terms and Conditions for more information.
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.