2025 was another highly successful year for Unity Bank. Review our financial summary and see how our Member-first approach has made all the difference. Read Now Download
If you would like to receive a hard copy of the 2025 Annual Report, please give us a call at 1300 36 2000 or send an email request to mail@unitybank.com.au
Unity Bank Limited ACN 087 650 637 (the Company)Notice of 2025 Annual General Meeting
Notice is given that the 66th Annual General Meeting (AGM) of the Company will be held on Tuesday 18 November 2025 at Level 25, 201 Elizabeth Street Sydney NSW 2000, commencing at 3:30pm.
Agenda
Apologies
To receive Unity Bank Limited’s Financial Report, Directors’ Report and Auditor’s Report for the financial year ended 30 June 2025.
By Order of the BoardRosanna Argall Company Secretary01 October 2025
How to Participate in the Virtual Meeting
This year the AGM will be held via Teams meeting with members able to view presenters, ask questions, make comments and vote on resolutions via electronic poll. Given the nature of the virtual meeting we ask that you send your questions in advance of the meeting by emailing returningofficer@unitybank.com.au at least 48 hours prior to the meeting to ensure they can be answered during the meeting. To participate in the virtual meeting follow these steps:
Email your expression of interest to returningofficer@unitybank.com.au by 14 November. You will receive a Teams meeting registration link via return email.
Register using the email link provided by 3pm 15 November. You will then receive your own individual Teams meeting link.
Click on the individual Teams meeting link or phone in using the contact details provided on 18 November at 3:30pm.
Proxy Voting
You can appoint a proxy to attend and vote at the AGM on your behalf. The proxy does not have to be a member of Unity Bank. Alternatively, you can appoint the Chair of the Meeting as your Proxy by completing an Appointment of Proxy Form. An Appointment of Proxy form may be obtained by emailing returningofficer@unitybank.com.au or calling 02 9307 5409. To be valid, your completed Proxy Form must reach the Company no later than 48 hours before the AGM.
If you have any further enquiries with respect to the AGM please contact us at returningofficer@unitybank.com.au before Monday 17 November 2025.
Annual Report
This year’s Annual Report will be made available to all members via our website www.unitybank.com.au at least 21 days prior to the AGM. If you are unable to access our website, please contact our Member Service team on 1300 364 400 to arrange a hard copy.
In a further step toward advancing our Environmental, Social, and Governance (ESG) Strategy, Mutually valuable banking for people and planet, we are pleased to launch two new purpose-driven products designed to help members reduce their environmental impact.
We believe sustainable choices should also be affordable choices. Our Green Car Loan and Green Upgrades Loan are the latest additions to our impact product suite, making it easier for our members to take meaningful steps toward reducing emissions and saving on energy costs.
“As a mutual bank, we exist to create value for our members and their communities - not shareholders,” said Danny Pavisic, Unity Bank Limited CEO. “These new products reflect our commitment to helping members make positive, practical changes for a more sustainable future.”
Green Car Loan
Our Green Car Loan features a competitive fixed interest rate and reduced fees to support the purchase of eligible hybrid or electric vehicles. It is designed to make lower-emissions transport more accessible for members ready to make the switch.
Green Upgrades Loan
Our Green Upgrades Loan is a personal loan offering a competitive variable interest rate and reduced fees to help members invest in energy-efficient home improvements such as solar panels, insulation, efficient heating and cooling systems, rainwater tanks, and more. Members who already have their home loan with us are eligible for a further discounted interest rate on our Green Upgrades Loan.
These products directly support our ESG strategy, with a focus on reducing financed emissions, promoting environmental responsibility, and empowering members to take practical climate action in their everyday lives.
“We know many of our members want to make greener choices, but cost can be a barrier,” Danny continued. “By offering these loans with competitive rates and fees, we’re helping to remove that barrier - and support more sustainable communities.”
These new offerings align with our broader commitment to environmental responsibility, social impact and financial inclusion. The first impact product delivered under our ESG Strategy was our Essential Worker Home Loan, winner of the 2024 Finder Innovation Award in the Social Impact Innovation category. Designed to recognise the contribution essential workers make to the community by supporting their home ownership journey with a value and feature packed product, it has been very successful in terms of supporting our essential worker community, delivering social impact, driving loan growth and attracting new to bank members aligned to this cohort.We believe these new products will help to further retain and attract values-aligned members, contribute to our sustainable growth, assist with reporting metrics around green funding and financed emissions, but most importantly, support members who want to play an active role in shaping a cleaner, greener future.
Manage your daily transaction limits directly in Online Banking for a range of payment types, including BPAY, external transfers, international transfers, and OSKO payments. Whether you’re increasing a limit for a one-off payment or lowering a limit to enhance your account security, it’s now quick and easy to adjust to suit your own individual payment needs.
Benefits include:
Adjust your limits instantly, anytime, via Online Banking
Set limits that suit your personal transaction needs
Lower limits to reduce your exposure to fraud or unauthorised transactions
To learn how it works and view frequently asked questions, visit our Daily Transaction Limits page.
Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 26 August 2025. The key change is to the existing transaction limits section, to accommodate the new feature enabling members to manage their own daily transaction limits within Online Banking.
While we have provided an overview of the key change, we recommend you take the time to read through the updated Account and Access Facilities Terms and Conditions, to familiarise yourself with the changes and understand how they may impact you.
By using your account and access facilities after the date the changes take effect, you agree to the updated terms and conditions applying.
We’re ready to help you
If you have any questions or concerns, please contact us.
From 30 September 2025, our deposit service, provided in partnership with ANZ, will be discontinued and ANZ will no longer accept cash or cheque deposits for Unity Bank and G&C Mutual Bank accounts.
This change is due to ANZ no longer being able to offer this service to our members. We understand this may be inconvenient and want to make this transition as smooth as possible.
Alternative ways to continue banking
We want to support members through these changes, and this includes ensuring you are aware of the alternative options to cash and cheque deposits available to you, including:
Mobile Banking
Online Banking
Bank@Post
Staff assisted transactions
Frequently asked questions
Q. What services will be discontinued?
A. Services being discontinued are cash and cheque deposits at an ANZ branch. Members can continue to make deposits using their Visa Debit or Credit Card at a Bank@Post outlet or at one of our Service Centres.
Q. What do I need to do?
A. Please destroy any remaining ANZ deposit books by 30 September, as they will no longer be accepted.
Q. How can I deposit cash into my account after 30 September?
A. Members can make deposits into their account at one of our Service Centres or by using their Visa Debit or Credit Card at a Bank@Post outlet.
Q. Is Online Banking and the Mobile App secure?
A. Both Online Banking and our Mobile App are secure ways of managing your banking. We are committed to your security and privacy online and have employed a wide range of security measures to help you bank online in a safe and secure environment. For more information about these security measures visit our Online Banking Security page.
Q. Why are ANZ deposit services being discontinued?
A. ANZ has advised us that from 30 September 2025, they will no longer accept cash and cheque deposits at their branches from our members. This decision was not able to be changed, and regrettably there are no alternative arrangements available with any other major bank.
Q. Why wasn’t a replacement service arranged with another major bank?
A. Major banks have moved away from third-party cash and cheque deposit services for commercial reasons.
