To access our Mobile App following the successful merger with G&C Mutual Bank, please refer to our helpful guide. Read more. Please be advised we are experiencing some delays in answering incoming calls due to high volumes. We thank you for your patience and apologise for the inconvenience.

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  • Savings
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    Savings

    Managing your money has never been easier with our clever products and tools.

    • Transaction Accounts
      • View All Transaction Accounts
      • Access Account
      • Mortgage Offset Account
      • BusiAccess Account
    • Savings Accounts
      • View All Savings Accounts
      • MoneyMAX Account
      • Bonus Saver Account
      • Pensioner Plus Account
    • Term Deposits
      • Term Deposit
    • Foreign Exchange Services
      • View All Foreign Exchange Services
      • Send Money Overseas
      • Receive Money from Overseas
      • Cash Passport
    • Calculators
      • Savings Plan Calculator
      • Budget Planner Calculator
      • Income Tax Calculator
      • Term Deposit Calculator
  • Home Loans
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    Home Loans

    Find the right loan to make your home-owning dreams come true.

    • Buy or Refinance
      • View All Owner Occupied Home Loans
      • First Home Buyer Home Loan
      • Advantage Home Loan
      • Fixed Rate Home Loan
      • Momentum Home Loan
    • Invest in Property
      • View All Investment Home Loans
      • Advantage Home Loan - Property Investor
      • Fixed Rate Home Loan - Property Investor
      • Momentum Home Loan - Property Investor
    • Affordable Home Pathways
      • Explore Our Home Pathways
      • Single Parents, Single Legal Guardians of at least one dependent
      • Home Guarantee Scheme
      • Victorian Homebuyer Fund
      • Get Ahead Start Guarantor option
    • Reverse Mortgage
      • Retirees Access Home Loan
    • Calculators
      • Borrowing Power Calculator
      • Home Loan Repayments Calculator
      • Stamp Duty Calculator
    • Podcasts
      • Home Pathways Podcasts

    Compare the eligibility criteria for our home pathways

  • Personal Loans
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    Personal Loans

    Whatever you need extra funds for, we can make it happen.

    • Get a Personal Loan
      • Fair Rate Personal Loan
    • Buy a Car
      • Fixed Rate Car Loan
    • Credit Card
      • View All Credit Cards
      • Low Rate Visa Credit Card
      • Low Rate Business Credit Card
      • Platinum Visa Credit Card
    • Calculators
      • Personal Loan Repayments Calculator
      • Car Loan Repayments Calculator
    • Overdraft
      • Overdraft
  • Business
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    Business

    Helping you keep your business running smoothly is our business.

    • Business Products
      • View All Business Products
      • Business Internet Banking
      • Variable Business Loan Secured
      • Fixed Business Loan Secured
      • BusiAccess Account
    • Commercial Loan Products
      • View All Commercial Loan Products
      • SMSF Loan
      • Rural Finance Loan
      • Business Vehicle Loan
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    • Business Solutions
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  • Insure & Plan
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    Insure & Plan

    • Insurance
      • View All Insurance Options
      • Life Insurance
      • Income Protection
    • Wealth
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      • Financial Planning
      • Financial Abuse
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      • Hardship Assistance
  • Help
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    Help

    • Access Options
      • All Access Options
      • Cards
      • Other Facilities
      • Osko Payments
    • Digital Banking
      • Digital Banking
      • Internet Banking
      • Banking App
      • Apple Pay
    • Security
      • Security
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      • Improving Your Online Security
    • Apply Online
      • Apply Online
      • Becoming a Member
    • Rates & Fees
      • View All Rates & Fees
      • Home Loan Rates
      • Personal Lending Rates
      • Savings Interest Rates
    • Support
      • Frequently Asked Questions
      • Support for Deceased Estates
      • Members Who Need Extra Support

    Calculators

    Tools to manage your finances.

  • About us
    • Merger of Unity Bank and G&C Mutual Bank
    • Why Unity Bank
    • Our History
    • Our Values
    • Board of Directors
    • Meet the Team
    • Community
    • Corporate Information
    • Privacy
    • Member Testimonials
  • Talk to us
    • Contact Us
    • Find a Service Centre
    • Unity Bank 1300 36 2000
    • Reliance Bank 13 24 40
    • Mon - Fri, 8am - 7pm AEST
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Disclosure Documents

  • Unity Bank
  • About us
  • Corporate Information
  • Disclosure Documents

Terms and Conditions

  • Account & Access Facility Conditions of Use
  • Summary of Accounts & Availability of Access Facilities
  • PayID Terms and Conditions
  • Mobile App Terms and Conditions
  • Apple Pay Terms and Conditions
  • Google Pay Terms and Conditions
  • Samsung Pay Terms and Conditions
  • Platinum Visa Credit Card Qantas Points Terms and Conditions
  • International Funds Transfer Terms and Conditions

Fees and Charges Schedule

  • Fees & Charges Schedule
  • Fees & Charges Schedule (Loans)

Disclosure Documents

  • Financial Services Guide
  • Credit Guide
  • Target Market Determinations
  • Complaint & Dispute Resolution Guide
  • 2024 Annual Report

Privacy

  • Refer to our Privacy page

Responsible Banking Policy

  • Responsible Banking Policy

Customer Owned Banking Code of Practice

  • Customer Owned Banking Code of Practice

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  • 659 000
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© 2025 G&C Mutual Bank Limited | ABN 72 087 650 637 | AFSL & Australian Credit Licence 238311​ Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Disclosure Documents before acquiring any product.

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Torres straight islander flag  Aboriginal flag
We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which Unity Bank operates and where our team members reside.