Why have my account numbers changed within the App and Internet Banking?

In preparation for a mandatory upgrade and to simplify your banking, we no longer use the Member number and product type as an Account reference number. Your Account reference number is the external account number that starts with ‘100’ and is displayed in your App and Internet Banking.

Do I need to update any payment details with direct debits and credits?

No, Members do not need to make changes to their account destination details they are already using.  All transactions will still process as per normal.

How can I make it easier to understand what each account is for?

Within Internet banking Members can rename accounts via Account Options -> Personalise Account Name. 

What are the operating hours for gmcu Branches?

Our branch operating hours are available here.

What is my BSB?

The BSB for gmcu is 803078.

What is my Swift Code?

The Swift Code for gmcu is CUSCAU2Sxxx

What is our APCA Number?

Our APCA Number is 048569

How do I update my contact details?

You can change your contact details by:

  • logging into your Internet Banking
  • clicking the My Preferences tab
  • clicking Update Contact Details

Alternatively you can visit any gmcu branch during operating hours and any staff member would be happy to help you.

How do I change my name?

You will need to visit any gmcu branch during opening hours and speak to one of our team. Please remember to bring adequate photographic identification and any supporting documentation, such as marriage certificate or updated birth certificate.

When I transfer funds, when will the recipient receive them?

If you choose to make an Osko payment and the recipients bank is an Osko participant, your payment will be received instantly.
If you choose a standard transfer and you load your payment before 4:30pm on a business day, we will send the payment to the receiving bank on the same day. If you load your payment after 4:30pm, or on a weekend or public holiday, the payment will not be forwarded until the next business day.
If you use a saved payee and you did not save them as an Osko payment, funds will be sent as a standard transfer.

How do I log into Internet Banking?

To log into your Internet Banking, simply visit the gmcu webpage and click on “Logins” in the top right hand corner, a drop down box will display with different options, click “Internet Banking”.
Enter your unique login ID and password and click “Login”.
You will then be taken to the internet banking home page and your personal accounts details.

How do I change my Internet Banking password?

If you are registered for SMS One Time Passwords, you can change a forgotten password by using the ‘Forgotten Password’ link on the login page.

If you are not registered for SMS OTP, you will need to contact your gmcu branch during opening hours.  

Can I activate my Visa debit card on-line?

Yes, you can activate your Visa debit card on-line - please note that there may be a delay of up to 30 minutes from the time you instigated the activation until the activation taking effect.

How do I change the PIN on my Visa Card?

There are two ways you can change your PIN:

1. Log in to gmcu Internet Banking, select My Preferences, PIN Change

2. Log in to the gmcu App, select Cards, select Change PIN

How do I increase the limit on my Internet Banking?

You will need to visit your closest gmcu branch to arrange a personalised limit on your internet banking transactions.
Before a higher limit can be approved, you will need to register for SMS One Time Passwords.

What are SMS One Time Passwords and how do I register?

SMS OTP is an added security feature for your Internet Banking. Registering and using SMS OTP is free and is the best security feature for protecting your online banking.

To register:
~Login to your Internet Banking.
~Click on the services & help drop down tab, then click on Setup Security Options.
~Click on the blue Request button, ensure your mobile number is correct, read and accept the terms & conditions and click the blue request button.
~You will be prompted for your password, enter this and click OK.

Does gmcu monitor transactions after hours?

Yes, we use an Australian-based service to monitor for unusual account activity 24/7. This monitoring helps us to detect and stop fraud quickly. If you receive a message asking you to return a call to us on 1300 705 750, please do so. If you receive an SMS text asking to confirm a transaction, please respond to it.

What is the cut-off time for Bpay?

Payments made before 4:30pm (Eastern Standard Time) on a business day, will be processed on the same day. Payments made after this time will be processed on the next working day.

How do I schedule a regular Bpay payment?

  1. Select the account from which the payment is to be made.
  2. Select an existing saved biller, or click to Pay New Biller.
  3. Add in your Bpay reference and the amount you wish to pay.
  4. Click on Recurring and select the frequency you wish.
  5. Add in the start date and end date.

An account aggregation app or website has asked for my Internet Banking details, is this safe?

Some services may ask for your logon details. By sharing this information, you may be increasing the risk of unauthorised access to your account or money.
We recommend you never share your password or logon ID with anyone. If you have shared your password, you should change it immediately to keep your account safe.

Does gmcu process binary trading transactions?

Binary trading or binary options is a form of online stock/share trading. However, unlike normal trading where you buy stock / shares and own them, with binary options you essentially make a ‘bet’ on the price movement of a particular asset in near future for a fixed amount. Binary options are a speculative, high risk trading option.

The Australian Securities and Investment Commission (ASIC) has recently warned people against using unlicensed binary trading sites. These are sites that are operating outside of Australian regulations and licencing requirements which mean consumers have little recourse if the binary options provider is unable to fulfil its obligations. 

In line with ASIC guidance we will no longer process transactions to trading platforms which are operating outside Australia or which ASIC has recommended not to deal with.

For more information, visit the ASIC or Money Smart websites and search for ‘binary options’  http://asic.gov.au/ or  https://www.moneysmart.gov.au/

If you have any additional questions that have not been answered here, please visit or call your local branch.