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Your money, your way

The smell of freshly roasted coffee. The perfect parking spot. Finding money in your pocket. Zero everyday transaction fees on your account. Your favourite daily moments.

Banking with us could be one of yours when you open an Everyday Account. Enjoy unlimited everyday transactions, no account keeping fee and pay in an instant using mobile payments.

Plus our app makes it a breeze to manage your account and keep track of your money wherever you are in the world. Every day is different, so get the most out of it with banking you can count on:

No monthly account keeping fee.
Unlimited free everyday transactions^^.
Get access to an instant digital card via our app.
Check out faster in-store or online with mobile payments.
Access your account 24/7 using our app or internet banking.
Pay wherever Visa is accepted^.
Use our ATMs, Greater Bank and any of the big four banks for freeΔ.
Get paid directly into your account by submitting a form with your employer.
Open and operate your account securely online, guided by our security advice.
Security features to help keep your money safe from scams.
Open Everyday Account

Everyday Account perks

Go fee-free

Zero everyday transaction or monthly account keeping fees.

24/7 access

Use our app or internet banking to manage your money across any device.

More flexibility

Enjoy unlimited everyday transactions and pay wherever Visa is accepted.

Pay your way

Choose a Visa Debit card colour and add straight to Digital Wallet.

Rates are effective as at 9am Tuesday 15/09/2026 and are subject to change without prior notice.
Everyday account Interest rate
Entire balance 0.01% p.a.
Entire balance when linked to an eligible loan For 100% Interest Offset - equivalent linked loan's %p.a.

Fees and charges

Account keeping fee Nil
Branch withdrawal fee Nil
eftpos fee Nil
Newcastle Permanent ATM enquiry feeΔ Nil
Newcastle Permanent ATM withdrawal feeΔ Nil

Open Everyday Account Terms and Conditions

All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.


20% p.a. interest rate is payable by account holder on any overdrawn amount.


Terms, conditions, fees, charges and credit criteria apply.

 

Woman on phone

Smarter tech. Safer you.

Send payments with confidence.

Confirmation of Payee allows you to check and verify you’re sending money to the right person or business.

Learn more Security advice

A banking app designed for your day-to-day

Tap to pay - start using your Visa card instantly via Apple Pay or Google Pay™.
Schedule payments so you avoid missed deadlines and enjoy stress-free bills.
Make fast payments and transfers with Osko® and PayID®.
Layered protection with Confirmation of Payee and multi-factor authentication.
Open Everyday Account Explore app features

Set up and save

Get the best of both worlds with our Mortgage Offset Account.

Open an Everyday Account and link it with our Premium Plus Package Variable Home Loan to receive 100% offset interest.

Easily access your money when you need it with unlimited everyday transactions while saving on your home loan at the same time.

Enjoy every day convenience along with the following benefits:

 

  • You could save thousands on your home loan
  • No monthly account keeping fee
  • Pay wherever Visa is accepted
  • Unlimited free everyday transactions^^
  • Access your account 24/7 using our app or internet banking
  • Check out faster in-store or online with mobile payments
  • Use our ATMs and any of the big four banks for freeΔ.
Open Everyday Account Terms and Conditions

 

FAQs

To see all FAQs visit our help & support page.

These FAQs are intended as a guide only. The Promotion is subject to the full ‘NGM Group Win $50k’ Promotion Terms and Conditions, which contain important information about eligibility, entry requirements, excluded transactions and prize conditions. If there is any inconsistency between these FAQs and the Terms and Conditions, the Terms and Conditions will apply.

Win $50k FAQs

There is one (1) major prize of $50,000 to be won.

The draw will take place on 8 March 2027. The winner will be selected through a fair and random electronic draw conducted by an independent third party using eligible entrant records provided by NGM Group.

The winner will be contacted by SMS, phone or email within two business days of the draw.

You'll receive one entry for every ten eligible transactions you make in a calendar month using your Visa Debit card on your Newcastle Permanent Everyday Accounts or Greater Bank Access accounts. Eligible transactions may be combined across multiple eligible accounts held with the same brand. Transactions are not combined across Newcastle Permanent and Greater Bank branded accounts.

There's no limit to the number of entries you can earn during the Promotion period.

A few examples:

  • You make 6 eligible transactions on your Newcastle Permanent Everyday Account and 4 eligible transactions on your other Newcastle Permanent Everyday Account in the same calendar month = 1 entry.
  • You make 6 eligible transactions on your Newcastle Permanent Everyday Account and 4 eligible transactions on your Greater Bank Access account in the same calendar month = 0 entries.
  • You make 27 eligible transactions on your Newcastle Permanent Everyday Account in October and 14 eligible transactions made on the same account in November = 3 entries (2 for October and 1 for November).

Please note, eligible transactions are calculated separately for each calendar month. Any transactions that don't make up a complete group of 10 won't carry over into the next month.

You can earn entries from 1 September 2026 until 28 February 2027. 

New customers: No registration is required. Simply open an Everyday Account and complete the required eligible transactions within the Promotion period to be automatically entered.

Existing customers: Existing customers are not automatically entered. You'll need to complete the online entry form included in your email invitation during the Promotion period in order to enter.

Eligible entrants will also need to make eligible transactions during the Promotion period to gain entries.

Eligible transactions are purchases of $5 or more made using your Visa Debit card on your Newcastle Permanent Everyday Account or Greater Bank Access account, where the transaction is processed through the Visa network. This may include your daily coffee, grocery shop or online purchases.

Exclusions apply. For example, cash withdrawals, transactions not processed through the Visa network and certain merchant categories will not qualify. Please refer to the Promotion Terms and Conditions for full details.

Yes, using your Visa Debit card for a recurring payment, subscription or online purchase with a merchant can count toward your 10 transactions, provided the transaction is processed through the Visa network and otherwise meets the Promotion requirements.

Yes, purchases of $5 or more made using your Visa Debit card through Apple Pay or Google Pay™ can count as eligible transactions, provided the transaction is processed through the Visa network and meets the Promotion requirements.

To qualify for this Promotion, a transaction must be processed through the Visa network. In some cases, merchants or their payment providers may choose to process transactions through a different payment network. Because Newcastle Permanent does not control how a merchant processes a transaction, some Visa Debit card purchases may not qualify for the Promotion.

Yes, where an eligible account is jointly held, each eligible account holder may earn entries separately based on eligible transactions completed using their own Visa Debit card. Eligible transactions completed by one account holder cannot be combined with transactions completed by another account holder.

Yes. Eligible transactions completed across multiple Newcastle Permanent Everyday Accounts may be combined when calculating entries. Eligible transactions completed across multiple Greater Bank Access accounts may also be combined. Transactions cannot be combined across Newcastle Permanent and Greater Bank brands. Eligible transactions are calculated separately for each calendar month and do not carry forward to another month.

Everyday banking

Log on to the app and select ‘Profile’ from the bottom menu to find your 8 digit Customer ID. Otherwise select ‘Forgot Customer ID’ from internet banking and follow the prompts.

You'll need your Customer ID and a few other personal details.

App:

  • Download the app via the App Store or Play Store and follow the prompts.

Internet banking:

  • Register for internet banking via the Log on tab on our website and follow the prompts.

You’ll be paid into your nominated account once your employer has updated your details.

 

Along with your device, you'll need a Newcastle Permanent Visa Debit or Visa Value+ credit card. Our team can help you apply for an eligible product if you don't already have one.

Apple Pay

Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531. Cashcards and Business+ Credit Cards are not eligible.

Terms, conditions, fees and charges apply.

First, download Google Wallet from the Google Play Store. Second, you can add an eligible card by snapping a picture or entering your account number manually.

If your eligible card is already set up for Google Play, you can simply add that card to Google Pay by confirming a few details.

Get Google Pay™

Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC. Cashcards and Business+ Credit Cards are not eligible.

Terms, conditions, fees and charges apply.

You must be 11 years or over to apply for a Visa Debit card (11-13 year olds require parental consent). You can opt to receive a Visa Debit card when opening an eligible new account.

If you wish to upgrade an existing account to a Visa Debit card visit one of our branches or call 13 19 87.

Access your accounts

You may need to access your accounts from overseas, so make sure you know your app or internet banking password before you go.

If you’ll be using an international SIM, you may not be able to receive SMS one-time passwords sent to your Australian mobile number. Contact us before you travel to set up an alternative Transaction Password and discuss the options available to help you continue accessing your accounts while overseas.

We may restrict access to our online banking services based on your location, so it’s a good idea to check your access before you go.

Notify us of your travel plans

Let us know your travel plans via the app or internet banking so we can monitor your account activity overseas and provide better security for you.

To use the app to notify us of your travel plans:

  • Log on
  • Go to Profile
  • Select Overseas travel and follow the prompts.

To use internet banking to notify us of your travel plans:

  • Log on to internet banking and navigate to Services > Overseas travel,
  • Select 'Add trip'
  • Enter all countries you plan to visit including stopovers, and the dates you are travelling,
  • Use the checkboxes provided to let us know if you are planning to use your cards for ATM withdrawals, or for large purchases, 
  • Select ‘Save’.

Alternatively, you can call us on 13 19 87, or visit one of our branches to notify us. 

Explore FAQs

Bank where you're a winner.

Mozo People's Choice 2025 - Most Recommended

Winner - Most Recommended

Mozo | 2025

 

Bank of the Year - Customer Service

Money magazine | 2026

 

Visit the trophy room

Get in touch

Speak to a local

Our friendly Newcastle Permanent contact centre are here to help.

Call 13 19 87

Make an enquiry

Get in touch with us online, and we'll get back to you as soon as possible.

Make an enquiry

Visit your branch

Find the Newcastle Permanent branch that's closest to you.

Find your local branch

Account terms, conditions, fees and charges apply.

^ Must be 11 years or over to apply for a Visa Debit card. 11-13 year olds require parental consent.

^^ 'Everyday transactions' consist of branch withdrawals. For more information refer to the product schedule.

◊Win $50k Promotion: Open to eligible NSW and QLD residents aged 14 years and over.
New customers: Open a new Everyday Account and make the required eligible transactions during the promotion period to be automatically entered.
Existing customers: Receive an invitation email, complete the online entry form, and make the required eligible transactions during the promotion period.
Receive one entry for every ten eligible transactions of $5 or more made in a calendar month using your Visa Debit card on your Newcastle Permanent Everyday Account or Greater Bank Access account. Multiple entries may be earned across multiple accounts and months. Transactions must be processed through the Visa network and other exclusions apply.
Competition ends 28/02/27, prize drawn 08/03/27. Permit no TP/01287 (NSW). Full competition T&Cs available here.

Δ No transaction fees apply for a successful cash withdrawal or account balance query using your Newcastle Permanent Visa debit card at any Newcastle Permanent, Greater Bank, ANZ, NAB, Commonwealth Bank or Westpac ATM across Australia.

Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531. Cashcards and Business+ Credit Cards are not eligible.

Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC. Cashcards and Business+ Credit Cards are not eligible.

PayID and PayTo are registered trademarks of NPP Australia Limited.

®Osko and BPAY are registered to BPAY Pty Ltd ABN 69 079 137 518. You should review the terms and conditions and consider whether the Osko and Pay ID service is appropriate for your personal circumstances.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

Find more information on the Mozo Experts Choice Awards 2025 and Mozo People's Choice Awards 2025 awards research methodology at Mozo.

For more information on how we handle your data and how it is securely stored, read our Privacy Policy.

Terms and conditions apply for internet banking and the banking app.