Greater Bank Ultimate Access

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

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.

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Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameGreater Bank Ultimate Access Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0.70
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay

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 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.

Key features

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.

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    Default Gravatar
    June 6, 2018

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

      Default Gravatar
      June 6, 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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