Frequently asked questions
- Most Popular
- About us
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Responsible banking
Responsible banking
- What is Bank Australia’s Conservation Reserve?
- Can the Conservation Reserve be developed at a later time?
- How are the Conservation Reserve properties chosen?
- Do the bank's customers own the Conservation Reserve?
- How big is the Conservation Reserve and where is it located?
- Can you tell me more about Trust for Nature?
- What is a Trust for Nature Conservation Covenant?
- What is Habitat 141°?
- Where does the bank invest customers' money?
- What types of things does the Impact Fund invest in?
- Why does Bank Australia have a Reconciliation Action Plan?
- What is the Bank Australia Impact Fund?
- What is a conservation corridor?
- Does Bank Australia invest in fossil fuels?
- How can I find out more about Bank Australias accessibility services?
- What is responsible banking?
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Banking
Banking
- How does an overdraft work?
- How do you apply for an overdraft?
- What is Bank Australia's BSB number?
- How can I do an international transfer?
- Do any fees apply to an Overdraft?
- Which ATM's can I use?
- Where are your branches located?
- How can I withdraw cash?
- What are the daily transaction limits?
- How can I increase my daily transaction limit?
- Who is Western Union Business Solutions?
- How can I find out what my current daily transaction limits are?
- Who is the beneficiary or remitter?
- Can I reduce my daily transaction limits?
- What is Bank Australia’s SWIFT code?
- Are daily transaction limits the same for overseas transactions?
- What is a bank code?
- Why am I unable to perform Poli payments using my Bank Australia Account?
- What is an IBAN?
- How do you set up electronic payments?
- How does telephone banking access work?
- What is BPAY?
- How can you deposit cash or cheques into your account?
- Can you transfer money to another account/ financial institution?
- What are direct credits and direct debits?
- How do you set up direct credits and direct debits
- What services do branches offer?
- How do I change my personal details?
- How do I close my account?
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Savings
Savings
- How do you open a savings account?
- What happens when your term deposit is maturing?
- What does 'at call' mean?
- How often do you get a statement on your savings account?
- Can you transfer funds from your savings account through internet banking?
- When can you withdraw funds from your Christmas Saver?
- How is interest calculated?
- Can you setup direct debits or use BPAY on your savings account?
- What if you need to withdraw funds before the end of the term?
- What is the minimum I can invest in a Bank Australia term deposit?
- What is the minimum and maximum term for a Bank Australia deposit?
- Are there any fees or charges associated with opening a term deposit?
- How do I apply for a term deposit?
- What is the maturity date?
- Do I get the interest earnt on my term deposit each month or at maturity?
- What are the interest payment options available?
- What are the fees and charges associated with withdrawing funds early?
- Can I cancel my request to withdraw my money within the 31 days’ notice period?
- Are there any risks associated with term deposits?
- How do I find out what interest rates Bank Australia is offering for applicable terms?
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Borrow
Borrow
- Where can I learn more about credit reporting?
- What is pre-screening? And how do I opt out of it?
- What if I find a mistake on my credit report?
- What should I do if I think my credit score has been affected by fraud?
- What is refinancing?
- How do I get more information on credit reporting?
- What credit rating agencies does Bank Australia use?
- How do I get a copy of my credit report?
- What's a credit report?
- How does Bank Australia use my credit information?
- How do I make a complaint?
- Is there anything I can do to improve my credit rating?
- Why does refinancing matter?
- Why should I move my home loan to Bank Australia?
- How do I know if my bank is funding the fossil fuel industry?
- How do I refinance my home loan with Bank Australia?
- What’s involved in refinancing?
- Do I have to deal with my current bank to move my home loan across to Bank Australia?
- Can you make extra repayments?
- How can you work out repayments for a loan?
- How do we offset the carbon emissions from your car?
- How do you find out what your new repayments are if the interest rate increases?
- Are there fees if you pay out the loan early?
- What are Bank Australia's current interest rates?
- Can you make extra repayments?
- How can you work out repayments for a loan?
- What are Bank Australia's current interest rates?
- Are there fees if you pay out the loan early?
- What are Bank Australia’s current interest rates?
- How do you find out what your new repayments are if the interest rate increases?
- How long will it take to provide approval for your car loan application?
- How do you find out what your new repayments are if the interest rate changes?
- Can you pay extra off your home loan?
- How do you apply for a home loan?
- How do you find a pay-out figure on your home loan?
- How do you redraw from your home loan?
- What is involved in paying out and discharging your home loan?
- How do you apply for a car loan?
- How long will it take to provide approval for your home loan application?
- How do you apply for a personal loan?
- Can you switch to a fixed rate home loan from a variable rate home loan?
- How long will it take to provide approval for your loan application?
- What costs are involved in switching my home loan to Bank Australia?
- How do you apply for a loan, credit card or overdraft?
- How do I know if I’ll need to pay Lenders Mortgage Insurance (LMI) if I switch my home loan to Bank Australia?
- What are Bank Australia’s current interest rates on credit cards, personal, car and home loans?
- What kind of documentation will I need to provide to move my home loan to Bank Australia?
- Why do I need to update my home insurance to refinance?
- What is a discharge authority form?
- How long does it take to refinance a home loan?
- How can I track the progress of my application?
- Are there any special criteria that I need to meet to refinance my home loan with Bank Australia?
- I want to refinance online. Who can I call to get assistance with an online application?
- Can I use a broker to refinance my home loan with Bank Australia?
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Internet banking
Internet banking
- How long does it take to transfer money to another bank account?
- You tried to log in to internet banking and got a message saying 'access denied', 'script error' or 'your session has expired'. What's going on?
- How do you register for internet banking?
- Password and code security
- Online shopping tips
- What is a Symantec VIP Token and how can I use it?
- What is an eStatement?
- What are SMS alerts?
- How does internet banking work?
- Can you register for SMS alerts?
- Will you get an alert once registered?
- How do you register for SMS alerts?
- How long does it take for SMS alerts to be sent?
- Who can register for eStatements?
- What can you do with internet banking?
- Can you get alerts by email?
- How can you cancel my SMS alert registration?
- What does the SMS alert service cost?
- Is there anything SMS on demand requests can’t do?
- What are the Terms and Conditions for SMS Alerts?
- What can you use SMS on demand requests for?
- What can you use event-triggered SMS alerts for?
- How do you generate an SMS on demand message?
- What do eStatements look like?
- Can you change your mind and have paper statements again?
- How do you view an eStatement?
- When are eStatements available?
- How do you register for eStatements?
- Is there a user guide you can download?
- When you try to log in to the new internet banking system, you get a message saying ‘To login, please update your browser’. What does this mean?
- Why does your eStatement print out show a blank page when you open it in MAC Preview Version 8.1?
- How long can your password be?
- You forgot your password. What do you do?
- You’re new to internet banking and can’t log in. What do you do?
- Why are you seeing a white or blank screen when you try to log in to internet banking?
- Why does your computer automatically complete the password section?
- How do you complete a loan redraw?
- Why did internet banking automatically log you out?
- Why can't you see the buttons or images in internet banking?
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Mobile App
Mobile App
- How do you keep your private information private?
- Is using my Bank Australia bank card in the Google Pay™ app safe?
- How do you minimise the risk of your password being stolen?
- How do I get the Google Pay™ app?
- Can all NFC-enabled smartphones work with Google Pay™?
- What do you do if you've lost your phone and have card configured in Tap & Pay?
- How many cards can be setup to use Tap & Pay?
- How do you use your phone to make a purchase with Tap & Pay?
- Where can you use Tap & Pay?
- When you make a purchase with Tap & Pay, the details are kept on screen. Can you remove this?
- Can you get a refund on purchases if you use Tap & Pay?
- What are the limits when using Tap & Pay?
- When your card is reissued, do you have to re-register Tap & Pay?
- What cards can you use with Tap & Pay?
- What phone do you need to use Tap & Pay?
- If you change the PIN on your card will the Tap & Pay service on the app stop working?
- Do you need to be registered with internet banking to use Tap & Pay?
- Can someone else change my Card Controls?
- Why does Digital wallet remain enabled when I have locked my card?
- Do card controls work the same on every Bank Australia access card?
- How do you know if you've enabled or disabled a Card Control?
- What are Card Controls?
- Why is my credit or debit card not processing transactions?
- What does the Card Control "In-store transactions" include?
- If I ask the bank to change a Card Control, can I reverse the change?
- What does the Card Control "Digital wallets" include?
- How do you know what transactions are International or Australian?
- Why can't I complete a cash transfer at an ATM?
- What does the Card Control "Online transactions" include?
- What does the Card Control "ATM withdrawals" include?
- What does the Card Control "payWave" include?
- What happens if I disable a Card Control?
- Where can I access Card Controls?
- How do you keep your security software current?
- What is the banking app?
- How do I pay using Google Pay™?
- What is a Temporary Card Lock?
- When receiving a renewal card, will my card controls be transferred to my new card?
- What cards have Card Controls available?
- Why does my digital wallet still work while my card is locked?
- When ordering a replacement card, will my card controls be transferred to my new card?
- How do you register for the app?
- Is mobile banking free?
- Mobile banking is not working for you. Is your phone compatible with mobile banking?
- How can you get the banking app?
- What is the difference between the banking app and internet banking?
- Can you access mobile banking when overseas?
- Who do you call if you have a problem?
- What can you do with the app?
- How do you change the favourites buttons on the welcome screen?
- Can you access loan redraw on the app?
- What version of iOS or android do you need for the banking app?
- Can you get the app on other mobile phones?
- Can you access an account using the banking app if the account requires 2 to sign?
- How do you log out of banking on the app?
- How secure is the app?
- Why are my accounts not appearing within my Android mobile app?
- Can I let you know my travel plans via the app?
- Can I select more than one travel destination?
- Can I advise you of travel within Australia via the app?
- Do I have to use the app to lodge my travel plans?
- What happens once I lodge my travel plans via the App?
- Can I view my statements in the app?
- Can I register for eStatements via the app?
- How can I send a secure mail message through the app?
- Can I read my secure mail messages through the app?
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Cards
Cards
- What are the Credit Card changes from 1 Jan 2019 to interest free periods?
- What are the online options to lower my credit card limit?
- What are the online options to close my credit card account?
- How is interest calculated on purchases for credit cards with interest free days?
- Which credit cards offer interest free days?
- Which credit cards do not offer interest free days?
- What are the fees and interest rate that applies to my credit card?
- What is Visa Checkout?
- What do you do if you've lost your card?
- What is Verified by Visa?
- Why should you use Visa Checkout?
- How do you get a card PIN?
- How does Verified by Visa work?
- What happens if you have a secondary card?
- Can you choose your own PIN?
- You have entered your PIN incorrectly a number of times and your card has been blocked. What do you do?
- How does the Visa Debit card work?
- What if a transaction is declined?
- How do you know where Verified by Visa is available?
- How do you enrol for Visa Checkout?
- You'd like to dispute an ATM direct charge?
- What are “interest free days”?
- How does an interest free period work
- How do I dispute a card transaction on my account?
- If I have been scammed or tricked – why do I need to contact the merchant first?
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Osko and PayID
Osko and PayID
- What is the New Payments Platform (NPP)?
- What is Osko?
- What is PayID?
- Will all payments be sent faster with Osko?
- How can I register a PayID?
- Is Osko secure?
- Will BSB and account numbers still exist?
- How do I know if my payment has been sent via Osko?
- Will a Osko payments incur a fee?
- Where can I find out more about NPP, Osko and PayID?
- Why is a PayID better than a BSB and account number?
- Which accounts can I link to a PayID?
- How many PayID’s can I register?
- Can I link multiple PayIDs to the one account?
- Can you use a PayID for withdrawals?
- What if I don’t want a PayID?
- Can someone else register my mobile phone or email address?
- What if my PayID is already taken?
- What if I change my mobile number, email address or ABN/ACN?
- How do I know I’m paying the right person?
- Can I cancel a payment?
- Someone’s bank can’t send payments to a PayID, what do I do?
- Is a PayID safe/secure?
- Is my PayID information safe?
- Is it safe to share my PayID?
- If someone knows my PayID can they use to access my banking details?
- Do I need to change my existing scheduled payments I have set up in internet banking?
- Can I give my employer my PayID for my salary/wages credits?
- What is the daily limit for Osko transactions?
- Can someone receive an Osko payment even if they don’t have a PayID?
- Can I make international payments with Osko?
- Can Osko payments be made on two to sign accounts?
- Does PayID replace my existing Bank Australia login?
- Can I use any types of words for my PayID?
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Business
Business
- How can I apply to open an account?
- Need assistance with your application or have a question?
- What information do I need to provide?
- What if I cannot meet the requirements?
- Not sure what my entity type would be?
- Do I need to provide a tax file number?
- Can I set up Internet Banking?
- How long will it take to open my account?
- Do my documents need to be certified?
- Fees
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Deceased estates
Deceased estates
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Hardship assistance
Hardship assistance
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Invest
Invest
- Who do you contact to make changes to a super fund?
- Can you withdraw money from a super fund?
- Can you have more than one super fund?
- How do you transfer from another super fund?
- Should you seek independent financial advice before opening this super account?
- How can you make super contributions?
- Can you get online access to the super fund?
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Insurance
Insurance
- Can a family member enquire or make changes to a car insurance policy?
- What is the difference between Comprehensive, Compulsory Third Party and Third Party Property Damage Motor Insurance?
- Do we cover for flood?
- Do you have to notify Allianz if you've started using your home for business purposes?
- If your son/daughter is a learner driver and you want to teach them to drive in the car insured with Allianz, do you need to inform Allianz?
- If your son/daughter has just received their probationary license, do you need list that child as a nominated driver?
- Do you have to notify Allianz if you're about to install a new kitchen and renovate the bathroom?
- Do you have to advise Bank Australia if you change the security on your property?
- Would you insure a group of friends moving into a new flat?
- What type of items do you need to specify in your home contents policy?
- What is the removal of basic excess for windscreen claims option?
- What should you do if you've bought a new music player for your vehicle and you want it covered if it gets stolen?
- What excess would a son/daughter have to pay if they are under 25 years old, a nominated driver on the policy and involved in an accident with another vehicle?
- How far in advance can you buy a travel insurance policy?*
- What do you do if you need to make a landlord insurance claim?
- Do you have to complete a landlord insurance claim form?
- Can you still purchase a policy if you're currently overseas and have no insurance?*
- Are you required to get replacement quotes?
- What documents might you need to make a landlord insurance claim?
- Where can you find more information about making a claim?*
- How are possessions/items replaced?
- If you return home early, do you get a refund?*
- What should you do if someone makes a landlord insurance claim against you?
- What do you do if you think you may have a pre-existing medical condition?*
- How much does it cost to add cover for your pre-existing medical condition(s) to your travel insurance policy?*
- What happens if you purchase a travel insurance policy and a new medical condition develops? Would you need to pay an additional premium?*
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Name change
Name change
- Why did bankmecu change its name?
- Who made this decision?
- Is the bank still going to be customer owned?
- Why has the bank invested in the name change?
- Will I need a new card/ PIN?
- Will my customer number or account numbers change?
- Is the BSB changing?
- Have you had another merger?
- Are the fees paying for this change?
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Intech Bank
Intech Bank
- Why did Intech merge with Bank Australia?
- Where can I get more information about the merger?
- Will my member number stay the same?
- Will I need to use a new BSB after 22 July 2017?
- How will I log in to internet banking after 22 July 2017?
- Will I be able to use Bank Australia’s mobile apps?
- How will I call Intech Bank from 23 July 2017?
- How will I access telephone banking from 23 July 2017?
- Why haven't my scheduled transfers been processed?
- Can I still use picture icons in internet banking?
- Will I still be able to access my Intech Bank eStatements?
- Are there any changes to statements?
- What will happen to my Retirement Maximiser account?
- Can I change my PIN after the integration?
- Which ATM's can I use?
- What are my internet banking security authorisation options?
- How do I get a contact centre Security Password?
*Travel insurance is arranged by Bank Australia Limited ABN 21 087 651 607 AFSL and Australian credit licence 238431 (Bank Australia). This insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Bank Australia does not guarantee the insurance. Terms, conditions, limits and exclusions apply. Allianz and/or Allianz Global Assistance do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Where any advice is provided by Bank Australia or its representatives, it is provided on behalf of Bank Australia and not on behalf of the insurer Allianz or its agent Allianz Global Assistance. Allianz and/or Allianz Global Assistance are not responsible for any such advice. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy, we receive a commission which is a percentage of your premium. Ask us for more details before we provide you with any services on this product.