Safeguarding yourself against scams and fraud

It's alarming to hear in the media that Australians lose over $3 billion annually to scams through various methods like emails, calls, texts, and social media. They adopt tactics such as phishing and identity theft, making it a priority for everyone to stay watchful. Here's a guide to help you stay alert and protect yourself from scams and fraud. VerifyVerify the legitimacy of anyone contacting you before sharing personal information or making financial transactions. Be cautious of unexpected messages or calls, pressuring you to act quickly or share sensitive details. Do not click on links in messages or emails. Beware of unsolicited offers                                                      Whether it's a lottery win, an inheritance from an unknown relative, or a lucrative investment opportunity, be cautious and confirm the validity of such claims before proceeding. Monitor your accounts regularly   Check your bank accounts and credit report for any unauthorized activity. Immediately report any suspicious transactions for inconsistencies to your financial institution or appropriate authorities. Install security software          Install antivirus and anti-malware software on your devices Keep your software updated to guard against the latest security vulnerabilities. Trust your Instincts                                                      If something feels off or too good to be true, it probably is. Research and consult family or friends before making decisions if something seems suspicious or too good to be true. If you have fallen victim of a scam or suspect someone has gained access to your personal information, contact Unity Bank immediately on 1300 36 2000. You can also report a scam through the Scam Watch website and find additional information on scams and how to protect yourself. 

Important information

Changes to our Account & Access Facility Conditions of Use document – Electronic Access Facilities and ePayments Conditions of Use

We have recently updated our Account & Access Facility Conditions of Use as a result of changes to the minimum age requirements of Apple Pay users. Effective 15 March 2024 Section 37.2 Digital Wallet Services now states that if you are under the age of 13, Apple Pay is not available, and you are unable to add a card in the Apple Wallet. Our latest Account & Access Facility Conditions of Use can be found here. If you would like to discuss any of these changes, please contact us on 1300 36 2000 8:00 am to 7:00 pm AEST, Monday to Friday.

Important information

Savings Interest Rate Changes

We are reducing the interest rate for the following savings product, effective 19 February 2024. MoneyMAX Account S12 for balances $1 and over interest rate reduced by 0.15% to 4.75%1. For more details, please see our latest interest rate schedule below. Savings Interest Rate Schedule   Eligibility criteria, terms and conditions, fees and charges apply.1. Interest is calculated daily and paid monthly. Interest rate applies to account balances over $1.

Home Loans

Unity Bank joins NSW's Shared Equity Home Buyer Helper, making homeownership dreams a reality!

  Dear Members, It gives me great pleasure to announce some incredibly exciting news. Starting from the 1st of July, Unity Bank will become a participating lender in NSW’s Shared Equity Home Buyer Helper. Shared Equity Home Buyer Helper is an initiative to help lower-income single parents, older singles, and first-home buyers who are key workers realise the dream of owning their own home. Under this program, the government will contribute a proportion of the purchase price in exchange for an equivalent interest in the property. Smaller deposits, no lenders mortgage insurance, and no interest on the Government’s equity share means this initiative is a great option for eligible singles and key workers who no longer want to rent and prefer the security of home ownership. Unity Bank was founded on the principle of supporting everyday Australians. As such, being in a position where we can help those who are struggling to break into the housing market is something we don’t take lightly. For Unity Bank to be selected for Shared Equity Home Buyer Helper from an extensive list of candidates is an amazing achievement and something we should all be very proud of. For me, this acknowledgement is a reflection of Unity Bank’s continual drive and dedication to our members. If you would like further information on NSW’s Shared Equity Home Buyer Helper, or to find out if you are eligible for the initiative, please visit With all this in motion and much more to come, 2023 is shaping up to be another stellar year for Unity Bank. We look forward to servicing new and existing members through Shared Equity from the 1st of July. Yours faithfully,Danny PavisicChief Executive Officer

Important information

Changes to how we notify Members for Overdraft and Credit card interest rate changes

From the 1st of January 2024 we are changing the way we notify Members of Interest rate changes affecting Overdraft and Credit card products. Currently, we publish an advertisement in a national newspaper advising our members of the changes to our existing Overdraft and Credit card products. From the 1st of January 2024 we will no longer be publishing an advert in the national newspaper, instead when a rate change for these products occurs, we will publish a notice to the latest news section of our website. We believe this change will improve our rate change process and this notice will be more visible and accessible to our members.   FAQ's When will this be changing?From 1st January 2024, this will take effect to future interest rate changes to our existing overdraft and credit card product holders. Why is this changing?New legislation now allows Unity Bank to publish this notification on our website instead of a national newspaper. This allows for the notice to be more visible and accessible to our members. Where can I find this notice on the Unity Bank website?When published, this notice can be found in the latest news section under the category Important Information on the Unity Bank website. I received a letter in the mail for my home loan, will this be changing too?No, interest rate letters will continue to be sent for lending products. This notification only applies to members with an Overdraft or Credit card product.

Important information

Explore the Unity Bank website

What’s New Enjoy an enhanced online experience with a seamless, user-friendly, and modern interface. Although the design is fresh, our core values and commitment to your financial security and success remain the same. For Reliance Bank Members, if you have previously bookmarked the Reliance Bank website URL, don't worry! You can continue to access the new website via, and be seamlessly redirected to the updated experience at The website now features Reliance Bank information and contact details in conjunction with the Unity Bank brand. Internet Banking The website has clearly marked separate login buttons for Unity Bank and Reliance Bank Internet Banking in the top-right corner, which operate the same as they do now. Why Did We Move to One Website? The costs involved in maintaining two websites are significant, and we are conscious that it is your money as a member-owned bank. The products and services are the same for Reliance Bank and Unity Bank, so it makes sense not to duplicate the costs and resources involved in maintaining two websites. Support and Contact Information Contact details, branch addresses, and member support information for both Unity Bank and Reliance Bank are prominently displayed on the website, ensuring easy access to assistance when needed. If you have any questions or need assistance exploring the new website, please do not hesitate to contact us on 1300 36 2000.