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Australia’s largest customer-owned bank
Trusted by Australians for over 75 years
Cards that suit your lifestyle
Bank on a $0 monthly account fee (no strings attached)
Our everyday accounts are packed with features designed to make your everyday a little easier.
Everyday Account (Offset)

Want to setup an offset for your home loan or need a cheque book? Check out our Everyday Account.

Tap & Pay with your phone

No wallet? No worries. If you have a smart phone, you can use it to tap and pay securely at the checkout.
Google Pay™
Google Pay can be used at any contactless payment terminal for any instore purchases.3
Apple Pay
Anywhere you can tap your card and pay, you can use Apple Pay too.3
Samsung Pay
Make payments in a matter of seconds anywhere you would normally pay with your Great Southern Bank Visa Debit card.3
ABOUT US

Why choose Great Southern Bank?

For one thing, we're customer-owned. That means no shareholders, so all our profits go into creating new and clever ways to help you manage your money.

And although we've been putting ordinary Australians first for more than 75 years, we're only just getting started!

WHAT OUR CUSTOMERS SAY

Trusted by Australians for over 75 years

We've been helping our customers manage their finances since 1946. These days, more than half a million people trust us with their banking and insurance needs.

But don't just take our word for it. Here's what some of them have got to say.

“Easy and straightforward online. Account features for kids look great and online banking and app were easy to setup and access.”
“Very easy and flexible account to open and use.”
“Very easy to understand and follow. So fast to apply.”
CLEVER BANKING
CLEVER BANKING
Saving’s now as easy as spending!
The Boost does the hard work for you, so you don’t have to think about it.

Why Switch to Everyday Edge?

While you will need to make Everyday Edge your main transaction account in order to qualify for bonus interest on your savings, there are plenty of other good reasons to make the switch…

  • $0 monthly account fee
  • Unlimited fee-free transactions
  • Refund of international card transaction fees if you meet the eligibility criteria at the end of each month+
  • Tap and pay with your smart device using Google Pay™, Apple Pay or Samsung Pay.>
  • Visa Debit card
Find out more
Deposit
$2,000
or more each month into your Everyday Edge Account from a non-Great Southern Bank account and make five or more Visa Debit card purchases from your Everyday Edge Account*
Earn up to
2.55% p.a.
0.15%
base rate
Bonus 2.40% interest*
on balances up to $100,000 in your Home Saver Account

Why we're different

We like to do things a little differently. Here are a few things you can expect from us:

  • Intuitive tools to help you save smarter, not harder
  • Flexible loan options to help you pay it off sooner
  • We've been putting customers first for over 75 years
Very satisfied. No fees, no fuss. Easy app. Everything straightforward.
Yvonne, NSW
Great Southern Bank customer

Trusted by Australians for over 75 years.

Learn more about Great Southern Bank

Canstar Bank of the year Awards - 2021
DBM Australia Financial Awards - 2021
Originally
granted to CUA
Mozo Experts Choice - 2021
RateCity Bank Account Awards - 2021
FAQS

Frequently asked questions

Who is Great Southern Bank?

Great Southern Bank is the trading name of Credit Union Australia Limited (CUA), Australia’s largest Customer Owned Bank. You may have previously known us as CUA.

For over 75 years we’ve helped our customers manage their money. We do this by providing clever products and smart tools that help you reach your financial goals sooner. Plus, being customer-owned means that our profits go back into our products and services, not shareholders.

We love helping people reach their financial goals and we can’t wait to help you reach yours, whatever they may be. Contact us to get started, we’re here to help!

How do I switch to Great Southern Bank?

Switching to Great Southern Bank is easier than you think and takes less than five minutes! All you need to do is open an account. It’s that simple.

Plus, we can help you switch your salary, direct debits, and regular payments to your brand-new Everyday Edge Account.

What bank accounts are available at Great Southern Bank?

Everyone is different, so it makes sense that we have more than one type of bank account.

Follow the links below to view our other bank accounts and find the one that suits you best.

Can I access tap and pay with an Everyday Transaction Account?

Yes. You’ll get a Visa Debit Card with your Everyday Transaction account that can also be used with Google PayTM, Apple Pay and Samsung Pay.

You’ll never feel weighed down by your wallet when you can use your phone to tap and pay securely at the checkout.

Can I do my banking on my mobile phone?

Absolutely. Simply download our mobile banking app to do your banking anywhere from the convenience of your phone.

Can I do my banking online?

Yes. Great Southern Bank Online Banking is easy to use, convenient and secure. As a new customer you'll be set up with online banking as soon as you apply.

If you are already a customer, you can register for online banking in less than a minute and get started straight away.

How secure is mobile banking and online banking?

We take security very seriously and have several features to keep your online and mobile banking safe and secure.

For starters, you’ll always need your customer number and password to log in to digital banking. You can also take advantage of our special features for extra security and peace of mind.

Our key security features include:

While we take proactive steps to fight fraud, it’s important that our customers also take an active role in keeping their accounts secure.

Our online security checklist contains more tips and tricks to keep your account secure. And as always, never share your password with anyone.

Managing your money

How to achieve financial wellbeing

Learn about how to achieve financial wellbeing. Being in full control of your money & make plans for the future. Read these smart tips

Read more

Why opening a joint account could be the next big step in your relationship

Opening a joint bank account could help you save money. Read here to find out the many benefits you and your partner can benefit from together.

Read more

Send and receive money faster on your mobile

Now you can transfer money between friends faster and easier on your phone. Learn how to set up your PayID with your account.

Read more
Important Information

Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL 238317. Conditions, fees and charges apply. This is general information and does not take into account your objectives, financial situation or needs.  Consider the appropriateness of the information, including the Terms and Conditions (T&Cs) booklet, before acting on it. The Financial Claims Scheme may apply to this product; refer to the T&Cs for more information.

*Rates current as at  12 August 2022 and is subject to change. Rates and bonus interest criteria are subject to change. Interest is calculated daily and paid monthly. The base rate of interest is payable on the whole balance held in your Home Saver Account. Bonus interest is applied on top of the base rate on balances up to $100,000 in a calendar month if, prior to the last day of that calendar month:
A. You receive deposits totalling $2,000 or more by electronic transfer (excluding telegraphic transfer) from a non-GSB account into your Everyday Edge Account/s; and
B. At least 5 Visa Debit card purchases have been processed from your Everyday Edge Account/s and are not in pending status (excludes ATM withdrawals, eftpos cash out, balance enquiries and Bank@Post transactions).

The Great Southern Bank Everyday Account, Great Southern Bank Everyday Edge Account  and Great Southern Bank Everyday Youth Account are designed to help you manage your day-to-day transactions, so they do not earn interest. For accounts that do earn interest, please consider the Great Southern Bank Everyday 50+ Account (if you are eligible) or check our range of savings accounts and term deposits.

+ A fee rebate will be applied to your Everyday Edge Account on the first day of the next calendar month for all Great Southern Bank Visa Debit International Transaction Fees and Great Southern Bank Overseas ATM Cash Withdrawal Fees debited during the current calendar month if, prior to the last day of that calendar month: A. You receive deposits totalling $2,000 or more by electronic transfer (excluding telegraphic transfer) from a non-Great Southern Bank account into your Everyday Edge Account; and B. At least 5 Visa Debit card purchases have been processed from your Everyday Edge Account and are not in pending status (excludes ATM withdrawals, eftpos cash out, balance enquiries and Bank@Post transactions). International non-Great Southern Bank fees may apply. Excludes eftpos Debit Card international transaction fees.

>> Rates current as at  12 August 2022 and are subject to change. Tiered interest rates apply: 0.01% p.a on balances under $5,000, 0.60% p.a. on part of balance from $5,000 to $50,000, and 1.40% p.a. on part of balance over $50,000.

^^ This account does not earn interest. To view the Target Market Determination for Debit Cards, please click here.

^ Everyday Youth Account does not earn interest and converts to an Everyday Edge Account once you turn 18 years old.

> Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Mobile network provider charges may apply. Access is subject to availability and maintenance, refer to our website for more information.

To view the Target Market Determination for Everyday Transaction Accounts, please click here.