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Disclosure Documents

Disclosure Documents

We invite you to view the terms and conditions and other disclosure documents for various Greater Bank products and services.

You should read these documents carefully.

If you have any questions or would like a hard copy of any of the documents please call our Contact Centre on 13 13 86 or call into your nearest branch.


Deposit and Credit Accounts

The terms and conditions for Deposit and Credit Accounts are called the Banking Terms and Conditions and comprise the Banking General Terms and Conditions and the relevant Product Schedule(s).

You’ll also need to read other documents to understand all the terms and conditions that apply, including current interest rates on accounts and, for a loan or other credit facility with us, the terms and conditions of the loan contract or credit contract.

Banking General Terms and Conditions – Current

The Banking General Terms and Conditions are provided below.

They detail (among other things) general terms and conditions that apply to all accounts with us and the use of access methods and payment facilities that may be available with an account.

The access methods and payment facilities that are available with an account are set out in the Product Schedule for the account.

If you have a BPAY Biller Facility, Merchant EFTPOS Facility/ Greater Bank Direct Debit User Facility or use Apple Pay, Google Pay or the Osko and PayID service with us, additional terms and conditions apply and are provided below.



Privacy Act declaration - Application for Credit

Foreign tax declaration forms

If you're in the process of opening an account with Greater Bank online and have been directed to this page, unfortunately, you will not be able to complete the account opening process online.

You may be required to complete the relevant Foreign Tax Residency (Individual) Self-Certification Form.

To obtain a copy of the form, please get in touch with our Service Centre on 13 13 86 (from within Australia) or on +612 4921 9111 (internationally).

Notice of election

View our Notice of Election document to learn about Greater Bank's responsibility to ensure all customers have access to information regarding Annual General Meetings and Annual Reports.

Greater rollover and allocated pension fund

All trustees of superannuation funds have a legal responsibility to make certain documents and disclosures available. Equity Trustees Superannuation Limited as trustee of the Greater Rollover and Allocated Pension Fund, a sub-fund of the CUBS Superannuation Fund RSE number R1068832, has elected to make these items available from this website and details of each disclosure or links to the relevant documents are provided below.

Significant Event Notice is issued by the Trustee. This SEN was distributed to members to alert them to the fact that The Trustee had determined to set up an Operational Risk Financial Requirement Reserve (ORFR) to protect members' interests should an operational failure occur that may result in losses to a fund or its members.

Significant Event Notice - 2021

Significant Event Notice - 2014

Fund Administrator and Promoter: Mainstream Superannuation Services Pty Ltd (ABN 88 082 989 142)
Fund Sub Promoter: Greater Bank, part of Newcastle Greater Mutual Group Ltd (ACN 087 651 992) 
Asset Consultant: TAG Asset Consulting Group Pty Limited trading as Atchison Consultants (ABN 58 097 703 047)
Issuer and Trustee:

Click here to view the Fund’s 2020 Member Outcome assessments.

Click here to view the Fund’s Annual Member Meeting video, Minutes and responses to all member questions.

The Greater Rollover and Allocated Pension Fund are now closed to new customers.

The Greater Rollover Fund and the Greater Allocated Pension Fund are sub-funds of the CUBS Superannuation Fund (CUBS RSE Number: R1068832).

Greater Bank has outsourced the administration of the Greater Rollover and Allocated Pension Funds to Mainstream Superannuation Services Pty Ltd.

View the Superannuation Voluntary Code of Practice

Contact Phone Number: 1300 855 565

If you wish to request a withdrawal from either fund please complete a Greater Rollover and Allocated Pension Fund Withdrawal Request Form.

Once you've completed the form as instructed at the top of the form, you can send it to:

Greater Rollover and Allocated Pension Fund

GPO Box 4559

Melbourne, VIC, 3001

CUBS Superannuation Fund

ABN 90 120 177 925
Unique Superannuation Identifier^ (USI); 90 120 177 925 002 (^The USI is the unique identifier that is used in the new electronic clearing system for superannuation funds called "SuperStream")
The Trustee of the CUBS Superannuation Fund is: Equity Trustees Superannuation Limited, ABN 50 055 641 757, AFSL 229757, RSE License No. L0001458, Level 2, 575 Bourke Street, Melbourne VIC 3000.
If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to customers.



Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

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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.