In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Greater Bank Ultimate Access

Greater Bank Ultimate Access Account

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Fee Free Deposit
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee

Our verdict

Deposit your monthly salary into the Ultimate Access and get benefit from fee-free banking.

This account is suited to customers who make a large number of transactions and withdrawals each month. By depositing $2000 a month you’ll pay no account keeping fees and get unlimited free transactions including ATMs in Australia, EFTPOS transactions, electronic and BPAY transactions.

If you don’t think you can meet the monthly deposit requirement for this account, you could consider the Greater Bank Access Account instead which has no ongoing deposit conditions. However, it does charge some transaction fees.


  • $0 monthly account keeping fee
  • Free internet, mobile and phone banking
  • No transaction fees when you are able to deposit at least $2000 a month


  • Deposit requirement if you want to avoid fees

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

Greater Bank is a customer-owned Australian financial institution offering its members many of the same banking products, features and benefits that you get with larger banks. This includes the Ultimate Access transaction account, which allows you to bank without the worry of any fees so long as you are able to make a monthly deposit commitment.


Key details

Product Name Greater Bank Ultimate Access Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee $2,000
Contactless Payments Apple Pay, Google Pay


Minimum Age 12
Joint account availability Yes
Minimum opening deposit $1
Residency status Permanent Australian residents with an Australian address

Key features

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Monthly account keeping fees

You are not responsible for paying any monthly account keeping fees.

Transaction fees

If you are able to deposit at least $2,000 into the account each month you are not going to have to pay any fees for your daily banking transactions. If you have linked this account with a Greater Bank Ultimate Home Loan, the minimum deposit requirement will not apply in order to avoid fees.

How to apply


If this is an account that works with the way you like to spend, you can apply online in just ten minutes. This will take you to the secure application where you are first going to be asked if you are able to meet the following eligibility requirements:

  • Minimum age. For your application to be considered you will have to be at least 16 years of age.
  • Residency requirements. In order to apply you must be a permanent resident of Australia.

Your reviews

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Ask a question

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June 05, 2018

Do i get charged exchange rate fees for using an American ATM with the Ultimate Access account?


Nikki Angco

June 06, 2018

Hello Sarah!

Thanks for getting in touch with finder.

There is a 3.00% conversion fee for all international transactions. If your Ultimate account meets the required minimum monthly deposit you will not be charged the $5.00 foreign ATM charge.

Hope this clarifies. Feel free to leave a message should you have further questions regarding this.



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