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Community Sector

Freedom with salary packaging.

Flexibility to spend your funds when and how you want.

Beyond Bank salary packaging.

Our CBB salary packaging cards remain one of the simplest and most beneficial ways you can save on tax as you don’t need to wait for reimbursements or collate and retain receipts.  Giving you the flexibility of spending your funds when and how you want, without worrying about the paper trail.

We offer a choice of two salary packaging cards.

Salary Packaging card.

A Salary Packaging card (living expenses card) allows an individual to use pre-tax income for purchases associated with everyday living such as groceries, clothes, fuel or pay for expenses like utility bills. The Class Ruling for this product has been approved and published by the ATO (CR 2016/18).

CBB salary packaging card

meal entertainment card

Meal and Entertainment card.

A Meal Entertainment card allows an individual to use pre-tax income for purchases associated with food and entertainment such as dine-in meals at bistros, cafes, hotels and restaurants and pay for holiday accommodation in Australia and overseas. The Class Ruling for this product has been approved and published by the ATO (CR 2016/85).

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We make tax-free shopping a breeze.

  • No need to submit claims or receipts
  • Make purchases anywhere in the world where Visa is accepted
  • Access to balances and transaction history via Internet Banking or our Mobile App. Set push notifications on your Mobile App to let you know when your pay has been deposited
  • Simply Tap & Go with payWave technology (PIN may be required depending on the transaction amount).  
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Who can apply?

The card is for personal use by employees who work for an eligible employer under Sections 57A and 65J of the Fringe Benefits Tax Assessment Act 1986. These sections grant eligibility to the following employer organisations:
 
  • Public Benevolent Institutions (charities, etc)
  • Hospitals, Nursing Homes, Government Departments, etc
  • Rebatable Non-for-Profit Organisations.

Important rates, fees and charges.

Fees and Pricing Amount
Monthly fee per card $4.00
TEXT ME! Fee $0.26¹
International Transaction Fee² 3% of transaction value
Replacement fee for lost, stolen, captured or damaged card $10.00
Interest rate N/A

View our Fees and Charges Booklet for the full details of other transaction and service fees that may apply.

How do I apply?

The first step is to contact your salary packaging provider, Community Business Bureau (CBB). Once you have completed your paperwork with them and indicated your interest in having a salary packaging card, they will provide you a link to your Beyond Bank salary packaging card application.

 

Salary Packaging FAQs.

You can expect your new card(s) to be delivered to your nominated address within 10-12 working days of completing the Beyond Bank Australia Membership Application.

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On completion of your Beyond Bank Membership Application, your card will be ordered. Members can create their own card PIN via internet banking or the Beyond Bank app.

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You can activate your card(s) in one of the following ways:

  • Internet Banking (Internet Banking Passcode required). Services > Card Management > Activate Card
  • Mobile App (Mobile App PIN required). Menu > Manage Cards > Click the card you want to activate > Activate Card
  • Visit your nearest branch
  • Call our Member Service Centre on 13 25 85

Please note:

  • If you use Mobile or Internet Banking, you will not be sent a PIN in the post but can select a PIN at any time using the 'Change PIN' in the Card Management screen once the card is activated.
  • If you access the Digital Card option before your card arrives in the post, you may not be required to activate the card separately once the card has physically arrived.

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Once the card is activated, the PIN can be changed. Only the cardholder can change the PIN. Here are ways you can change the PIN:

  • Internet Banking (Internet Banking Passcode required) – Log on, then select Services > Card Management (the card must be activated before the PIN can be changed)
  • Mobile App (Mobile App PIN required). Cards > Select card > Change PIN
  • Beyond Bank Member Service Centre (Telephone Banking Passcode required) - call 13 25 85 and request a new PIN be posted to you.

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Only the card holder can request a new PIN. Here are the options to obtain a new PIN:

  • Mobile App (Mobile App PIN required). Settings > Cards > Select card > Change PIN
  • Internet Banking (Internet Passcode Required) – Log on then select Services > Card Management
  • Beyond Bank Member Service Centre (Telephone Banking Passcode required) - call 13 25 85 and request a new PIN be posted to you.
  • Beyond Bank branch – (Photo ID required) Can request a new PIN be posted to you.

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Other products you may be interested in.

   
 

Salary Packaging is only available to employees of the Public Benevolent Institutions and employees of Health Promotion Charity where status has been granted by the ATO. Salary Packaging is a Fringe Benefit that employees can access if they are employed by an organisation that qualifies for a Fringe Benefit Tax exemption.
   
1

TEXT ME! Fees are not inclusive of 2nd factor secure sms authentication messages. For more details, view our Fees and Charges Guide.
   
2

This fee is payable when you use your Visa Credit Card, Visa Debit Card or Visa Prepaid Card to make a transaction:
- In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
- In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.
(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.
   
 

Terms, conditions, lending criteria, fees and charges apply. For full details please review our our Salary Packaging specific Terms & Conditions for CBB customers, Financial Services Guide, Product Guide, Fees and Charges Guide and Target Market Determination. These are available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. They will also be provided at the time of acquiring any product.