Gold Access Account
A value-for-money everyday account for Coastline customers aged 50 and over.
Key features
Free ATM withdrawals on our direct charge free ATM network1
Free EFTPOS transactions2
Free Internet Banking and MyCOAST App
Free BPAY transactions
Free cash withdrawals and deposits in branch
Visa Debit card
Your card is accepted worldwide
Google, Apple and Samsung Pay
24/7 fraud monitoring
Fees and requirements
Annual membership fee $30
No minimum starting balance
To be eligible for this account you must be aged 50 years of age or over
Rates
$50,000+
2.75
%p.a. interest rate*
$25,000 - $49,999
2.00
%p.a. interest rate*
$1-$24,999
0.50
%p.a. interest rate*
Have a question about this account? Contact us.
*Interest rate is variable and subject to change without notice.
1Direct charge free ATM Network includes Coastline, BCU, Westpac, St George and Bank SA ATMs.
2Declined EFTPOS transactions (insufficient funds) will incur a fee.
Conditions of use | Schedule of fees and charges | Financial services guide | Summary of accounts | Deposit interest rate sheet
Disputing a transaction
Do you have a transaction on your Visa debit or credit card that you think is unauthorised or incorrect? Do you have an issue with goods or services you’ve purchased?
Here are some steps to take before contacting us.
Step 1 – Check the details of the transaction
- Could the purchase have been made by a family member?
- Is it possible that the Merchant is operating under a trading name? Check to see if you have other transactions with similar details
- Check the transaction date and try to recall which shops you visited that day or in the days leading up to it.
- Is the transaction for a regular membership, subscription or app download?
- If you have ordered goods or services from the Merchant, check the delivery information such as delivery address and due date
- If you have returned goods or services to the Merchant and were advised that a refund would be made, check if the credit has been processed to your nominated account
- If you believe it is fraud, contact Coastline Bank as soon as possible
Step 2 – Contact the Merchant
- Contact the Merchant to try and resolve the issue first
- If you wish to cancel recurring or subscription billing on your card, you must first contact the Merchant as soon as possible
- While we can help with most transaction enquiries, the merchant should be contacted in the first instance for the following:
- Refunds or exchanges if you have changed your mind
- Membership fees and monthly subscription enquiries
- Issues with any software you have downloaded
Step 3 – Complete Visa Dispute Form and Contact Coastline Bank
- Complete the Visa Dispute Form [if you need help to complete do not hesitate to contact us]
- If you don’t contact us within 90 days of the date of the transaction, we may be unable to initiate a dispute with Visa
- As part of the dispute process, we will ask for any supporting documentation such as:
- Transaction documentation
- Copies of any email communications you have had with the Merchant
- Delivery information
- Details of the goods or services purchased / ordered
- Return details if goods / services were returned to the Merchant in exchange for a refund
- Return completed Visa Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
ATM withdrawal dispute
We'll submit your request to the relevant financial institution and will endeavour to resolve your dispute within 45 days.
Return completed ATM Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
Here to help
For many people heading towards retirement, finances are one of the biggest stresses in their life. In this article, we’ll give you some tips on how to budget for your life after work, so you can concentrate on enjoying the rewards of your heard work.
- Learn more
For many people heading towards retirement, finances are one of the biggest stresses in their life. In this article, we’ll give you some tips on how to budget for your life after work, so you can concentrate on enjoying the rewards of your heard work.
- Learn more
If you’ve finished working or are almost ready to, it’s never too late to think about how you can maximise your savings. In this article, we’ll give you some practical tips on boosting your savings, so you can focus on enjoying life.
Budgeting & savings calculators
Budget planner calculator
Manage your money effortlessly by tracking your income and expenses.
Savings calculator
Create a savings plan and get started on your goals today.
FAQs
The Gold Benefits Club is exclusively designed for Coastline members aged 50 and over. For a $30 annual fee, you’ll have access to a variety of privileges, including
- bonus interest rates on term deposits
- discounted rates on select loans
- reduced premiums on home, contents, and vehicle insurance
- access to special offers
You’ll also receive invites to exclusive financial well-being seminars tailored to getting the most out of your 50s and beyond. Join today to take advantage of these valuable benefits!
The Gold Benefits Club is exclusively designed for Coastline members aged 50 and over. For a $30 annual fee, you’ll have access to a variety of privileges, including
- bonus interest rates on term deposits
- discounted rates on select loans
- reduced premiums on home, contents, and vehicle insurance
- access to special offers
You’ll also receive invites to exclusive financial well-being seminars tailored to getting the most out of your 50s and beyond. Join today to take advantage of these valuable benefits!
Gold Benefits Club members can access discounted rates on selected loans, including personal loans, home loans and car loans. For details on specific loans and rates, contact us, we’d love to chat with you.
- More information
Lost or stolen cards can be reported via:
- The MyCOAST App
- Internet banking
- The card hotline: 1800 621 199
- If you’re overseas, call + 61 2 9955 7686
We will cancel your card and arrange for a replacement to be sent.
Please note: A fee may apply for ordering a replacement card. Refer to our Disclosure Documents for further details.
Yes, you can use your Gold Access account regardless of your location. Our online banking services and branch network ensure you can manage your account and access benefits, even if you don’t live on the Mid North Coast.
- Learn more
If you suspect a scam or suspicious activity, report it immediately.
Ways to report a scam:
- Call our Customer Support Centre on 1300 361 066 for assistance.
- Visit your nearest Coastline Bank branch for help.
- Report in internet banking log in and send us a secure message.
Provide detailed information about the scam to help us address it effectively.
Report to Scamwatch to help prevent others from falling for the scam.
MyCOAST App
Experience the freedom and convenience of managing your money anywhere, anytime with the MyCOAST Mobile Banking App. Whether you’re on a coffee break, at home, or travelling our app is designed to keep you connected to your finances.
Download the app.
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General advice warning
This advice has been prepared without taking your objectives, financial situation, or needs into account. Before acting on this advice, you should consider whether it is appropriate for your circumstances. For more details, access the relevant Product Disclosure Statements, Target Market Determinations or Financial Services Guides under 'Important information' on our product pages.
All loan applications are subject to credit approval. Interest rates may vary, and fees and charges could apply.