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Operating for over 55 years, G&C Mutual Bank is owned by its members, which means they pass profits back to customers in the form of competitive interest rates on its products and deliver superior financial solutions to consumers. G&C Mutual Bank offers a full suite of financial solutions including home loans, investment loans, personal loans and credit cards to its members. It also has everyday banking products such as savings accounts and transaction accounts that can help with short and long term savings goals.
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Last updated 8 July 2025
Important disclosures
G&C Mutual Bank bank accounts
Access Account
Account fee
$5.00
5 monthly account fee, or $0 if you maintain combined min. $5,000 membership balance throughout the entire month. please refer directly to bank’s website for other exemption criteria
Payment options
Apple Pay, Google Pay, PayID
Interest rate
0.00
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.00% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$5.00
5 monthly account fee, or $0 if you maintain combined min. $5,000 membership balance throughout the entire month. please refer directly to bank’s website for other exemption criteria
Payment options
Apple Pay, Google Pay, PayID
What kind of card?
Visa Debit
Access
ATM, EFTPOS, Visa Debit, BPay, Branch access, Bank@Post
ATM networks
G&C Mutual Bank
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
-
Internet fee
$0.00
Overseas ATM fee
-
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
Interest based on minimum monthly balance
Other benefits
-
Fee free transactions
Unlimited transactions from online, mobile, ATM, and Visa Debit purchases.
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Overall customer rating for G&C Mutual Bank bank accounts
3.7
Price
3.5
Features
3.2
Customer service
4.1
Convenience
2.9
Trust
3.6
Based on 13 product reviews.
Customer reviews
Important disclosures
S
Suzanne
New South Wales -
3.5
Okay with no surprises.
It is probably more committed to the interests of its members than the large 4 banks. However, it does need to make a profit to survive but it would be nice to get rid of the monthly fee!
There are no hidden surprises so everyone should just go for it and become a member.
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Important disclosures
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