Salary Packaging.

Yes. If the Mobile Banking App is not an option, then Beyond Bank’s SMS Banking service helps you keep track of your accounts by sending and receiving text messages on your mobile phone. You can set up SMS Alerts via Internet Banking and choose from the different options listed.

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 Customer Relationship Centre (Telephone Banking Passcode required) - call 13 25 85 and request a new PIN be posted to you.

No. Transactions using Internet Banking or Phone Banking are not allowed on this account, even if the transfer is between your own accounts.

No other funds can be transferred to your salary packaging cards, other than those predetermined and agreed upon by your salary packaging provider.

Mobile banking enhances the online banking experience by providing access via your smartphone or tablet and is available 24 hours a day, 7 days a week. To access Mobile Banking, simply download the Beyond Bank App which is available for iPad, iPhone and Android phones. With Mobile Banking you can:

• View accounts, including transaction listing
• Establish and manage specific Push Notification Alerts.

Yes. Visa payWave can be used for individual purchases under $100.00 with a limit of $1,200.00 per day.

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 Customer Relationship 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.

You can use Telephone Banking, Internet Banking, or the Beyond Bank Mobile App.

You will be able to select a Telephone Banking Passcode and Internet Banking Passcode when you are completing the Membership Application form.

Always use your 16 digit card number when making a payment to a third party using your Beyond Bank Salary Packaging Visa card.

If a third party can’t accept a payment via this method then you will need to contact your salary packaging provider to make other arrangements for this payment to be made on your behalf.

Always select the Credit option or use payWave when making a purchase to ensure your transaction is approved.

To use the Account Information Line, simply follow these steps:

• Call 13 14 02
• Enter your membership number (bottom left of card) followed by the # key • Enter your Telephone Banking Passcode followed by the # key
• After access has been granted: Press * at any time to advance to the main menu
• The overseas number for Account Information Line is +61 8 7201 2407.

Please contact your salary packaging provider or employer, they can assist you with completing the form.

Please contact your salary packaging provider to initiate the card closure process.

Your employer or salary packaging provider will provide a link to a card application form. If you have not received this email, please contact your employer or salary packaging provider.

Please call us on 13 25 85 or visit a local branch as we may need to update your personal details.

Select the option “I'd like to complete my identity verification manually” and upload a copy of your foreign passport.

All enquiries regarding salary packaging arrangements need to be addressed to your employer/salary packaging provider. We work with a number of different salary packaging providers, see our partners.

To arrange the closure of your Salary Packaging account please contact your Salary Packaging provider. They will arrange the closure of the account for you.

They may leave the account open for a period of time to allow you to spend any remaining funds using the card. Any funds left after this will be returned to your provider or employer. They will be able to advise the process for these funds being returned.

Yes. You can login to Beyond Bank Internet Banking here. Online help and tours of the site are available for you here.

Yes, it is called the Beyond Bank Account Information Line and the number is 13 14 02.

You can use the Account Information Line to get card balances, the last 10 transactions on your card, change your Telephone Banking Passcode, and branch locations.

Yes, we can update your details and send a new card. Please call us on 13 25 85 or visit a local branch.

Choose an alternative identification document OR; select the option “I'd like to complete my identity verification manually” and upload a copy of your licence.

Please contact the Beyond Bank Customer Relationship Centre on 13 25 85, or by visiting a Beyond Bank branch to update your personal details. You will be required to provide evidence of the name change for this request to be actioned as per standard procedures. The documentation required as evidence will vary depending on the reason for the change of name.

The verification passcode is something you create. A 4-8 digit non sequential or repetitive numeric passcode is required to perform transactions, or make enquiries over the telephone, on any account of which you are the owner.

It is also referred to as ‘telephone banking passcode’. It may also be required when performing transactions/queries in a branch where insufficient identification is available. We recommend you choose a numeric passcode that would be difficult for anyone else to guess.

A password 8-16 characters long is required to access your Internet Banking. You can use our internet banking service to review your Salary Packaging and/or Meal Entertainment card balances and transaction history.

We recommend you choose a password that would be difficult for anyone else to guess. A good idea is to use a combination of uppercase and lowercase letters, symbols and numbers.

To enhance security, we have enabled certain sections of the internet banking site to require a second level of authentication. Please ensure when you first log into Internet Banking you register for secure SMS.

This requires you to enter your mobile number to receive a secure text message with a unique code. The code must be entered into the space provided on the Internet Banking home page (there is no charge for the text with the unique code). Please note for security reasons the code on the SMS will only be valid for 60 seconds, so have your mobile phone in hand prior to requesting it.

The additional cardholders will need to have Internet Banking access. Once they have the access they can view accounts where they have been nominated as an additional cardholder. In internet banking they can:

• Log on with their own membership number
• Change their contact details
• Set up alerts, e.g. SMS balance alerts
• Access statements Overall additional cardholders can perform most functions apart from transact on the account. They also cannot open further products, apply for loans, etc. using their membership number.

Beyond Bank are governed by the “Visa International Operating Regulations”. If you believe you have been charged for goods or services you have not authorised, it is fraud.

You will need to complete a Visa Transaction Dispute Form. These are available at any Beyond Bank branch or by calling the Customer Relationship Centre on 13 25 85. It may take up to 45 days for them to complete their investigation.

Further information regarding the process is provided in the Beyond Bank Product Guide.

If a PIN is incorrectly entered three times, the PIN will be inactive for 24-hour period. The card can still be used to payWave, as a PIN is not required.

The exact process will vary between different providers and employers. 
 
Some common example of what you may be able to expect:

• Your remaining balance may be returned to your employer to be paid to you through payroll.
• Your balance may be rolled over into the next salary packaging year.
• You may be exempt from FBT if your benefits are provided by a registered religious institution as a religious practitioner principally in recognition of your pastoral duties.

For the most accurate information on your personal situation and any impacts, we recommend speaking to your employer or your salary packaging provider. 

You can use the following forms of identification when visiting a branch:

• Salary Packaging and/or Meal Entertainment card with the back signed or;
• A valid form photo identification and;
• Quote your membership number and Verification Passcode.

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 Customer Relationship 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.

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.

A membership number and your Verification Passcode you provided on your Beyond Bank's application form. Please note Beyond Bank have strict identity verification requirements to protect our members and will not be able to identify you using your Salary Packaging and/or Meal Entertainment card numbers, furthermore you cannot provide your internet banking passcode as a form of identification.

Depending on when your pay is processed by your employer and when your salary packaging provider processes the card payments, you may receive the funds overnight or on the following day.

There are several reasons why your card may be declined:

• Insufficient funds
• You have not activated your card
• The merchant channel has been blocked as it is not approved by your salary packaging provider
• The merchant has not been categorised correctly by their bank
• You are selecting the ‘SAV’ or ‘CHQ’ option rather than the ‘CR’ option.

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