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Find the answers you need to our most commonly asked questions. This sections will provide a quick and easy way to find the information you need to ensure you are making the most of your relationship with Great Southern Bank.

Accessing online banking

How do I log in to online banking?

For your security, always log into Great Southern Bank Online Banking from our website, greatsouthernbank.com.au and use the 'Login' button in the top right corner of the home page. You'll need your Great Southern Bank member number and Web Access Code (WAC).

If you don’t have a WAC, you can set yourself up for online banking here. Registration takes less than 2 minutes.

If you’re already registered for online banking and have forgotten your WAC,  you can re-set it by visiting the online banking login page and clicking on the “Forgot you WAC?” link. To re-set your WAC over the phone, please call us on 133 282.

What combinations can I use in setting my WAC (Web Access Code)

Your WAC needs to be EIGHT (8) or more characters in length (max 512), and must use characters from TWO (2) of the following character sets;

Set 1: uppercase / lower alphabetic characters A-Z/ a-z

Set 2: numeric characters. 0 - 9

Set 3: special characters: ~`!@#$%^&*()-_+={}|[]\:;“‘<,>.?/

Your new WAC must be easy to remember but not easily guessed, like your name, phone number, date of birth or postcode.

Your WAC is confidential and must not be voluntarily disclosed to anyone, including a family member or friend. If you’re aware someone knows your WAC and you don't change it immediately or ask us to issue you a new one, you may be liable for any losses incurred as a result.

I've been locked out of online banking

If you have forgotten your WAC (Web Access Code) or make several failed log in attempts, you’ll be temporarily locked out of online banking.

If you have set up your security questions you can click on the ‘Forgot your WAC’ link on the online banking login page and follow the prompts to re-set your WAC.

If you haven’t set up your security questions you will need to call 133 282 to get your WAC reset.

How do I prevent being locked out of online banking?

If you have set up your security questions, and have registered your email or mobile phone number to send your secure code to, you can quickly reset your access via online banking.

If you haven’t set up your security questions you will need to call 133 282 to get your WAC reset.

Having a registered email address or mobile phone number, along with some security questions can help you manage your banking securely and safely, as well as save you from having to make a phone call.

For more information, follow our step-by-step guide to setting up your security questions.

Resetting your WAC

I forgot my WAC

If you've forgotten your WAC, simply use the 'Forgot your WAC' link on the logon page of the online banking login page.

For security reasons you'll be asked for your member number and date of birth. A six-digit security code will be sent to you by SMS or email. To complete the reset, one of your preset security questions will be asked. Once answered correctly, you will be able to reset your WAC.

For added security, when you next log on to online banking you'll be prompted to change your WAC and set up security questions. If you've already tried to log on and entered an incorrect WAC multiple times, then your WAC may have been locked.

If this happens you can reset your WAC through the ‘Forgot your WAC’ function on the login page providing you have set your security questions in online banking. If your security questions are not set, you'll need to call us on 133 282 to reset this for you. For more information, check out this handy guide on how to reset your WAC.

How do I change my WAC?

You can change your WAC in online banking on the 'Change WAC' screen.

How do I set up my security questions?

How do I set up my security questions?

To set up your security questions, follow our guide to setting up your security questions where you’ll find step-by-step instructions on how to do this.

We recommend setting your security questions so you can use all the online banking features.

If you need to reset your Web Access Code, you will need to answer one of your security questions. If you do not have these set and need to reset your WAC (web access code) you will need to call us on 133 282.

Setting up your security questions is simple and only takes a few minutes. It could also save you time if your Great Southern Bank Online or Mobile Banking access is locked

Login to online banking to get started.

What are notifications?

You can set SMS or email notifications to alert you when certain activities occur on your accounts.

Setting alert notifications is a good way to keep track of your account activity and alert you earlier to any fraudulent activity.

Set alert notifications to notify you when:

  • Your funds get low
  • A Cardless transaction is made (e.g. online purchase)
  • A scheduled payment fails
  • A redraw has been made on your Home Loan
  • Your account is overdrawn
  • Funds have been deposited
  • Your Term deposits are about to mature
  • A withdrawal has been made
  • A payment made to external payee or biller
  • An invalid online banking login has been made
  • Your Online banking WAC has been changed or locked
  • Get a transaction receipt

Notifications are generally only sent from 7am to 7pm (AEST)

Debit and credit cards

Can I activate my card and change my PIN in online banking?

Yes, you can activate and change your PIN for a Great Southern Bank Credit card, rediCARD and Visa Debit card in the 'My Cards’ section. You will receive a one time security code to confirm this change. The new PIN will be available a short time later to use.

Can I report my debit card lost or stolen in online banking?

Yes. Simply go to ‘My Cards’ in the left-hand menu, select the debit card you want to stop and choose “Report Lost or Stolen”. Confirm your residential address is correct so the card is sent to the right place. If it’s not correct call us on 133 282 to update it immediately.

You can also temporarily lock your debit card if you have misplaced it by toggling the status bar to ‘Locked’. When you find your debit card, use the toggle to Unlock it and enter a one-time passcode to confirm this change.

For debit cards already provisioned in the Apple wallet on Apple mobile devices, the replacement card is available for use immediately.

If you're not yet set up for Apple Pay simply download the Great Southern Bank Mobile Banking app and add your new debit card to Apple Wallet, from the ‘My Cards’ tab. Your digital card is available for immediate use prior to receiving the physical card in the mail.

Can I lock my debit card in online banking?

You can temporarily lock your debit card if you have misplaced it by toggling the status bar to ‘Locked’. When you find your debit card, use the toggle to Unlock it and enter a one-time passcode to confirm this change.

Please note this does not stop any recurring payments you have previously set up on the card (for example: Netflix).

Using Great Southern Bank Online Banking

Why is there a difference between my current and available balance?

The difference between your current balance and available balance can be made up of pending card transactions, uncleared cheques (debit cards only), holds on account (debit cards only) or month-to-date accrued cash advance interest charges (credit cards only). To see your pending card transactions for debit cards, click on ‘View Pending Transactions” and for credit cards, click on “View transactions”. Once a transaction has been settled, it will appear on your transaction list.

Is there a daily limit for online banking?

There's no daily limit when you transfer funds between your own Great Southern Bank accounts or pay your bills using BPAY.

For all other transfers, you can increase your daily limit up to $30,000. To change your daily limit, go to the ‘Manage Limits’ section in online banking.

Please note, a daily transfer limit of $5,000 does however apply for fast payments made through the New Payments Platform (NPP) and cannot be increased.

Where can I see my cash withdrawal limit?

Your daily cash withdrawal limit for your rediCARD and Visa Debit card is displayed in the 'My Cards' section.

Where can I see my pending debit and credit card transactions?

After the first year has expired, an annual fee of $49 will apply to the GSB Low Rate Credit Card.4

Can I edit scheduled payments?

Yes, you can edit or delete any scheduled payments you have set up in online banking. Simply select the 'Bills Scheduled' or 'Payments Scheduled' pages in online banking and select 'Edit' or 'Delete' from the 'Actions' menu.

Can I rename my accounts to something more significant to me?

Yes, from the menu on the left-hand side, select “Rename Account’. You can choose from a predefined list of popular names or select your own custom name. The account name will be visible in communications from Great Southern Bank.

Please note, if you have chosen to customise your account name, rather than choose one of the names from the pre-defined list, due to systems limitations it will be referred to as ‘miscellaneous’ in Telebanker. You will also be required to enter the account number. You will see your chosen nickname in both online banking and mobile banking.

How do I change my personal details?

Your mobile phone number and email address can be changed on the 'Personal details' screen. A security code will be sent to you by SMS or email to allow you to change this information. To change your address, you can either send us a secure message in online banking or call us

What is The Boost and how do I use it?

The Boost is a clever add-on that gives your savings a boost every time you spend on your Great Southern Bank Visa Debit card or rediCARD, you can choose a top up amount between $0.01 and $5 to be transferred automatically to a Great Southern Bank savings account. You can set up and manage The Boost by selecting ‘The Boost’ from the Menu in Great Southern Bank Online Banking.

Can I hide my savings account from view?

To help you reach your savings goal faster, you can hide your savings account using The Vault. Simply select ‘The Vault’ from the left-hand side menu in online banking. Then, name your savings goal, choose an icon and set up a deterrent message. Once you’ve completed these steps, you’re ready to move your account out of view and under the watchful eye of The Vault.

Can I see my Personal Loan Payout amount and/or payout my Personal Loan?
  • Yes, simply click on Transfer Funds, and select your Personal Loan in the “to Account” field.
  • To see your loan payout amount, click the Payout Loan button to see your total payout figure (valid until 9pm that day only).

BPAY and BPAY View

What's BPAY View?

BPAY View allows you to register your bills and receive them direct to Great Southern Bank Online Banking. We'll also send you an email letting you know each time a new bill arrives. This notification will appear on your 'Scheduled payments' screen as a reminder.

With BPAY View you can view and pay your bills directly from Great Southern Bank Online Banking. You can even choose to auto pay your bills when they're due.

How do I register for BPAY View?

To register a bill for BPAY View, simply go to the 'Biller list' screen in the BPAY section. If you've already paid your bill and saved the bill details, simply click on the 'Actions' option and select 'Register for BPAY View'.

If you're about to pay your bill, select the 'Add biller' button from the biller list and tick the 'Register for BPAY View' box. You'll be prompted to complete a few additional questions so that the biller can verify you. Once you register, it can take up to two working days to process your request. Once processed, you will see the status of the bill change to 'Active' in your biller list.

Please be aware that not all billers are registered for BPAY View. If the biller is not registered, you won't see any options.

Will I be charged a fee to use BPAY and BPAY View?

No. There are no fees to use BPAY and BPAY View.

How long does it take to process a payment with BPAY?

BPAY transfers usually take three business days to complete and be received by the biller.