Availability of Payments Services to Individuals and Businesses Provided by Beyond Bank Australia
Selected services; December 2023
| Withdraw/deposit cash at an ATM | Transact over-the-counter in a branch | Make card payments (cardholders) | Accept card payments (businesses) | Access accounts using online banking (web browser or mobile device app) | Make/receive account transfers – fast payments | Make/receive account transfers – next business day | |
| Service availability % |
N/A |
100.00% |
100.00% |
N/A |
100.00% |
100.00% |
100.00% |
| Significant outages due to problems at Beyond Bank (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
0:00 |
0:00 |
| Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
0:00 |
0:00 |
Description of services and metrics*
| Service availability % | The actual amount of time that the service is not experiencing a significant outage, as a proportion of the amount of time during which the service was planned to be available in the quarter. Planned available time excludes planned outages (e.g. for system maintenance). |
|---|---|
| Significant outage | Unplanned unavailability of a service that meets minimum thresholds for duration and the proportion of customers affected. |
| System-wide infrastructures | Includes payment systems provided by the RBA, card schemes and other central payment system infrastructure; electricity network; and provider of telecommunications network links to Beyond Banks operating or data centres. |
| Withdraw/deposit cash at ATM | Not applicable at BBA. |
| Transact over-the-counter at a branch | Ability to withdraw or deposit cash, or initiate account transfers or make bill payments over-the-counter in a branch. Excludes the ability to draw and deposit cheques. Excludes Bank@Post outlets. |
| Make card payments (cardholders) | Ability to use a Beyond Bank branded debit, prepaid or credit card to make a payment either in-store, on a mobile device (e.g. through an app) or online. Outages exclude problems with the business’ payments device or payments provider or a customer’s mobile device. |
| Accept card payments (businesses) | Not applicable at BBA. |
| Access accounts using online banking (web browser or mobile device app) | Ability to log in, transfer between own accounts at Beyond Bank, initiate payments and/or view accurate and up to date account information. Excludes the ability to process payments, which is covered in ‘make/receive account transfers (fast payments)’ and ‘make/receive account transfers (the next business day)’. |
| Make/receive account transfers – fast payments | Ability of Beyond Bank to process fast bank account transfers. This includes account-to-account transfers (Pay Anyone) to a PayID, and other one-off or scheduled payments (for example, direct debits and payroll payments by businesses) made through NPP/Osko. Outages exclude the inability for customers to initiate transfers due to unavailability of web or app banking channels, or a branch. |
| Make/receive account transfers – next business day |
Ability of Beyond Bank to process bank account transfers, with funds becoming available to the recipient on the next business day or later. Includes account-to-account transfers (Pay Anyone) and scheduled payments (for example, direct debits, and payroll payments by businesses) not made as fast payments through NPP/Osko, and BPAY payments. Outages exclude the inability to initiate payments due to unavailability of web or app banking channels, or a branch. |
Previous Retail Payment Incident Reports
Selected services: September Quarter 2023
| Withdraw/deposit cash at an ATM | Transact over-the-counter in a branch | Make card payments (cardholders) | Accept card payments (businesses) | Access accounts using online banking (web browser or mobile device app) | Make/receive account transfers – fast payments | Make/receive account transfers – next business day | |
| Service availability % |
N/A |
100.00% |
99.75% |
N/A |
100.00% |
100.00% |
100.00% |
| Significant outages due to problems at Beyond Bank (in hours:minutes) |
N/A |
0:00 |
5:25 |
N/A |
0:00 |
0:00 |
0:00 |
| Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
0:00 |
0:00 |
Selected services: June Quarter 2023
| Withdraw/deposit cash at an ATM | Transact over-the-counter in a branch | Make card payments (cardholders) | Accept card payments (businesses) | Access accounts using online banking (web browser or mobile device app) | Make/receive account transfers – fast payments | Make/receive account transfers – next business day | |
| Service availability % |
N/A |
100.00% |
99.97% |
N/A |
99.97% |
99.91% |
100.00% |
| Significant outages due to problems at Beyond Bank (in hours:minutes) |
N/A |
0:00 |
0:41 |
N/A |
0:41 |
1:53 |
0:00 |
| Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
0:00 |
0:00 |
Selected services: March Quarter 2023
| Withdraw/deposit cash at an ATM | Transact over-the-counter in a branch | Make card payments (cardholders) | Accept card payments (businesses) | Access accounts using online banking (web browser or mobile device app) | Make/receive account transfers – fast payments | Make/receive account transfers – next business day | |
| Service availability % |
N/A |
99.36% |
99.13% |
N/A |
100.00% |
99.56% |
97.87% |
| Significant outages due to problems at Beyond Bank (in hours:minutes) |
N/A |
2:45 |
18:45 |
N/A |
0:00 |
9:36 |
18:45 |
| Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
0:00 |
0:00 |
Selected services: December Quarter 2022
| Withdraw/deposit cash at an ATM | Transact over-the-counter in a branch | Make card payments (cardholders) | Accept card payments (businesses) | Access accounts using online banking (web browser or mobile device app) | Make/receive account transfers – fast payments | Make/receive account transfers – next business day | |
| Service availability % |
N/A |
100.00% |
100.00% |
N/A |
99.94% |
99.54% |
100.00% |
| Significant outages due to problems at Beyond Bank (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
1:14 |
3:28 |
0:00 |
| Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes) |
N/A |
0:00 |
0:00 |
N/A |
0:00 |
6:47 |
0:00 |
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* For detailed information on the compilation of the disclosure data, see https://www.rba.gov.au/payments-and-infrastructure/resources/pdf/reliability-disclosures.pdf
