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Why our Bankstown City Unity Bank low rate visa is an Experts Choice Award-winner

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Our much-loved visa credit card recently took home an Expert's Choice Award for Low Rate Credit Card from financial comparison site, Mozo.

Now in their fourth year, the awards recognise great value credit cards across 13 different categories. This year, over 190 credit cards from 65 financial institutes were analysed and awards were given to only the top 10% in each category.

“There are so many types of credit cards on the market, and finding the right fit for you can make a huge difference to your bottom line,” said Mozo Director Kirsty Lamont.

“The beauty of low rate cards is that they won’t break the bank if you wind up carrying a balance for a while. So for this category our experts took into account how much the card would cost a spender who carried a reasonably hefty balance and had to pay interest on it.”

Our Bankstown City Unity Bank Visa Credit Card comes with a low purchase rate of 7.99% for the first 6 months, and just 10.12% after that.

“Many cards on the market are packing interest rates as high as 21.99% - more than double the regular purchase rate of a Bankstown City Unity Bank Visa, and nearly 3 times higher than the introductory rate,” pointed out Lamont.

Learn more about our award-winning visa credit card here.



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At Unity Bank we strive to provide excellent service and benefits to our members. To ensure we stay focused on our goal, every few years we source an external organisation to conduct and distribute surveys randomly across our membership base. We are very pleased to report that our bank has received an overall ‘excellent’ performance rating of 87%.      

We also achieved an extremely high service rating of 91% in this survey. These results clearly reflect the dedication and hard work of our staff, and the invaluable support of our loyal members. (78% of our members have been with our bank for over 10 years).   

We received an increase of respondents from our young members under 35, increasing from 4% in 2014 to 6% in 2017. These young members demonstrated that they have a strong preference for digital access and social media. Our younger members enjoy the engagement with our technological services. With over 6,000 members accessing our banking app.     

With the introduction of Apple pay, Samsung pay and Android pay, our members have been enjoying the freedom of making payments via their mobile devices. We have seen a high volume of members actively use these payment platforms for everyday use.          

With these exceptional responses from our surveyed members, it is clear that Unity Bank continues to provide outstanding benefits to our members. From these results there is a good case to think members would have no problems encouraging friends and family to become part of our bank.   

Thank you to all those who took part in this year’s Member Survey and for the kind comments about our service, the positive feedback we received is greatly appreciated by our staff. 



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BPAY are giving away $50,000*. Pay a bill with BPAY & register to win $100 off your next bill. PLUS go into the draw to win $5,000 worth of BPAY payments.

For more information and how to register go to


Fee Changes Result in Larger Free-ATM Network

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In recent weeks, several of Australia’s major banks have resolved to abolish withdrawal fees for non-customers. Commonwealth, Westpac, ANZ, and NAB have all announced that they will no longer charge other financial institution customers for the use of their ATMs.

What does this mean for Bankstown City Unity Bank members?

In addition to the rediATM, NAB, and Cashcard network, you can now use ATMs branded by Commonwealth, Westpac, and ANZ without incurring a Direct Charge withdrawal fee.

Please be aware of the following:

  • Your use of rediATMs, NAB ATMs and Cashcard ATMs is unaffected by this change
  • Fee-free transactions may not yet be available at all ATMs as these changes will take time to be implemented across Australia
  • Some ATM brands may apply fees at some locations and not at others
  • Current account fees are not impacted by this change, such as: Excess Transaction Fees

Some ATM owners may charge a fee for using their ATM. This fee will be disclosed upfront, providing you with the option of cancelling the transaction without incurring the fee.

If you have any questions or concerns with the changes to the ATM fees, please contact one of our Member Service Officers on 1300 65 4477. 


Scheduled Maintenance impacting: Internet Mobile Phone Banking & our Banking App

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We will be conducting scheduled maintenance on Monday 27 November from 9.30pm to 2.00am Tuesday 28 November. During this time Internet, Mobile & Phone Banking as well as our Banking App will be unavailable. We are sorry for the inconvenience this may cause during this time.