As a customer owned bank, our members are at the centre of everything we do and accordingly, G&C Mutual Bank is committed to making banking easy for all of our members.

Aligned with our values of Member Service and Continuous Improvement, we’re constantly working towards ensuring our products, services and platforms are available and accessible for everyone.


Products and services

Pensioner Plus Account

We offer a transaction account designed specifically for persons 55 years or older and who are:

  • Recipients of Centrelink or Veterans Affairs Pension, or
  • Self funded retirees


Our Pensioner Plus Account provides the right balance between an everyday and savings account. It rewards you with a competitive interest rate, with easy access to your funds in a variety of ways.


Digital banking options

Members can access their accounts via Online Banking, Phone Banking and our Mobile App.

We also offer safe and secure contactless payment options, such as Digital Wallet, so that you don’t need to rely on having a physical card on you to pay.

Where possible, we are working to meet the standards of the Web Content Accessibility Guidelines (WCAG) and have a roadmap of changes underway to enhance our website and digital experiences to help improve the accessibility of these services.


Fees and charges

At G&C Mutual Bank, we are committed to fairness and building long lasting and committed relationships with our members. Our fee structure has been designed to reward loyal members who use our most convenient and cost effective services. Exemptions are considered on an individual basis for members in financial hardship or with special needs. Please contact us to discuss further.



We’re ready to help you


You can apply or enquire online with respect to a membership, product or service.
Members can also contact us via secure messaging within Online Banking, or via email at


By phone

To speak with our Member Service team over the phone, please call 1300 364 400, 9.00am – 5.00pm weekdays.


National Relay Service

If you have a hearing or speech impairment, you can contact us through the National Relay Service (NRS). You will need to register with the NRS prior to utilising their service.

  • TTY users, phone 133 677 then ask for 1300 364 400
  • Voice Relay users, phone 1300 555 727 then ask for 1300 364 400
  • NRS Chat users, connect to the NRS then ask for 1300 364 400


Translating and Interpreting Service

If English isn’t your first language, you can access a free interpreter service through Translating and Interpreter Services (TIS). This service is provided by the Department of Home Affairs and is available in over 150 languages. If you need to speak with our team in your preferred language, you can contact us on 1300 364 400 and ask our staff to arrange this service for you.


In person

If you would rather speak to us in person, you can visit a Service Centre with most locations offering ramp or lift access and friendly staff to assist you complete your banking safely, should you have any special requirements.

We also have a team of Mobile Lenders who are available to meet at a time and place that suits you. You can contact them directly or request an appointment online.



Members unable to attend a Service Centre, can access some banking services at their local Australia Post Office, across more than 3,400 outlets Australia-wide using their debit or credit card.

For more information on Bank@Post, refer to the Australia Post website.

Please note that charges may apply for this service.



Additional Support

Financial Hardship

We understand that unexpected life events such as unemployment, illness, relationship breakdown, or natural disasters can result in financial stress. Financial hardship is when a change in your circumstances makes it difficult for you to manage your debts and make repayments when they are due.

Our approach is to actively assist any member facing difficult financial circumstances. For more information, refer to our Financial Hardship page or contact us.


Financial abuse

Financial abuse is when someone takes away your access to money, manipulates your financial decisions, or uses your money without consent.

This crime is usually committed by a person or people who are trusted by the victim, and it can take place over a considerable period. Anyone can be targeted, but often the vulnerable and those over the age of 50 are most at risk.

Our team has been trained to help identify and support victims of financial abuse. Please contact us to discuss any concerns with your account.

Read more about elder financial abuse and where to go for support in our Elder Financial Abuse guide.


Security and scams

We are committed to your security and privacy with a range of security measures to help you bank safely and securely online. For more information and tips to help identify common scams and keep you and your money safe, refer to the News section of our website.

If you believe someone has gained access to your personal information, even if the scam appears unrelated to your finances, you should contact us immediately.

For more information on how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via the Scamwatch website


We are committed to the ongoing promotion and creation of mutual value for our members and the communities we are part of, and this includes striving to deliver more accessible and inclusive banking.


We love to hear member feedback on how a product or service has had a positive impact, or when a member of our team has gone above and beyond to make things easier, quicker or more special for you.

Please let us know by completing our feedback form.



If there is something we can improve, or you are not satisfied with our products, services, staff or complaint handling process, it is important we hear about it so we can make things right.

Please let us know by completing our complaints form.