G&C Mutual Access Account

G&C Mutual provides easy to use everyday access account with multiple ways to access your money

SGE – also known as G&C Mutual Bank – has a simple everyday access account as a part of its products that makes it easy to keep track of your daily spending. This at call account can be linked to other accounts, with a sweep facility available to help you in meeting your other financial needs.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameG&C Mutual Bank Access Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsN/A

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

This account could be suited to you if you’re looking for an easy way to access your money for everyday purchases, particularly if you’ve got another account with G&C Mutual. There’s no account keeping fees, and you’ll get a Visa Debit Card which you can use for everyday purchases as well as online.

There aren’t too many G&C Mutual branches around, so if you like to do your banking in a branch make sure you check if there’s one near you first. Otherwise, you do get access to Internet phone and mobile banking with this account.

Key features

Monthly account keeping fee

The monthly fee is determined by the number of free transactions you choose along with any special circumstances. You can pay $7 a month and have up to 18 free transactions per month. You can opt for only 8 transactions and pay no monthly fee. The $7 fee can be waived for 18 transactions per month if the primary account holder is able to meet one of the following conditions; you are under the age of 18, you hold an active mortgage, you hold a RewardMe Saver Account or you are not holding a Visa or Access debit card. Members with an active Premium Loan Package and who deposit at least $2,000 into the account each month will have unlimited free transactions.

Unlimited free transactions

Using any of these transaction methods will not count towards your monthly allowance; online banking, Moneyline, Visa debit purchase using "credit", Visa debit purchase online or over the phone, direct credits, deposits or enquiries at a G&C Mutual Bank service centre or direct debit.

How to apply


If you are interested in applying for the Access Account, you must first become a member of G&C Mutual Bank. To do this, and to open an account, you will either need to visit a branch or call the mutual bank. You can submit an enquiry form by applying online and have a representative contact you with more details on membership, the account and applying. You should first familiarise yourself with the eligibility requirements before going ahead and beginning to apply:

  • Minimum age. There are no set age requirements set for by G&C Mutual Bank for becoming a member or opening the Access Account.
  • Residency requirements. Membership is open to residents of Australia.

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