Accounts

We offer a wide range of bank accounts for your personal banking needs.

Our BSB has changed to 325 -185.

There is currently no action required from you. Your payments will continue to process as they do today. However, If you are setting up a new payment, we would like you to use the new BSB.

What you need to do

You will need to use the new BSB for new direct debit and direct credit arrangements.

  • Direct debits may include payments you make such as insurance premiums, utilities bills, gym memberships and council rates.
  • Direct credits may include payments you receive such as salary, dividends, Pay Anyone transfers, Medicare, tax or social security.

If you are setting up a new direct debit or direct credit payment you will need to provide the following details:

  • BSB number: 325-185         
  • Institution: Beyond Bank Australia
  • Your Account Number.

Many third parties will allow you to update your banking details through your online account. Alternatively, you can phone or write to them using our handy letter template so they can update the details for you.

 

Noticed an unfamiliar transaction on your account transaction history or statement?

Some retailers/businesses may appear with a different name to the one you know them as.

Use the list below to help identify some common retailer/business names and subcription providers.

Trading Name (Alphabetical Order)

Description

ACADEMICSINGLES*

A subscription service for online dating

ACM*BRINKLEYDAY.COM*

Online merchant that offers a trial subscription service for cosmetic products

APPLE ITUNES

Purchases made on the app store for an Apple device

AVG INTERNET SECURITY*

A subscription for anti-virus software (may auto-renew)

BLS*BRINKLEYNIGHT.COM*

Online merchant that offers a trial subscription service for cosmetic products

EHARMONY.COM.AU*

A subscription service for online dating

ESERVICEPS.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

GETHELPSXPF.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

GOOGLE *Play g.co/helppay

A purchase made through the Google Play store

HELPDESKSC.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

INFODESKCS.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

JUST ANSWER*

Online subscription service for expert advice

MCAFEE*

A subscription for anti-virus software (may auto-renew)

NORTON*

A subscription for anti-virus software (may auto-renew)

ONLINEORDEROHC.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

PAYREF.INFO*

A subscription service for online dating

PAYPAL

A online payment processed by paypal, the merchant may differ such as Ebay

PLAYSTATIONNETWORK

An online gaming purchase for a Playstation device

pof.com*

A subscription service for online dating

RGPCUSTOMER.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

SPOTIFY*

A subscription for online music streaming

SUPPORTPSERV.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

VENNTRO MEDIA GROUP*

A subscription service for online dating

VIAGOGO

An online ticket re-sale website

*Note: this merchant offers a trial subscription service, they may be automatically charging ongoing subscription fees unless cancelled following an initial trial period

If you are still uncertain, or the transaction does not reflect any of the names in the table above, please send us a secure message via internet or mobile banking with details of the transaction.

You may cancel a direct debit at any time by notifying us on 13 25 85 or visiting one of our branches. We would encourage you to notify the debiting institution of your request to cancel the direct debit.

The cancellation of direct debit received on the same day a direct debit is scheduled will not take effect until the next business day.

Once notified of the cancellation, we can stop any further payments from being made.

When you make a purchase using your Visa the merchant will send an authorisation request to process the transaction. This authorisation request places a hold on the funds to ensure there will be sufficient money in your account to complete the transaction.

The funds will be on hold for up to five business days, during which time the transaction will be finalised. Once complete the funds will be debited from your account balance and the merchant information will be displayed in your transaction history.

Noticed an unfamiliar transaction on your account transaction history or statement? Before contacting us to lodge a dispute, consider the following possibilities:

  • Was the purchase was made by an additional cardholder?
  • Did you make the purchase on behalf of a spouse, child or family member/friend?
  • Have you made any international purchases and the transaction amount has converted to AUD?
  • Check if the purchase relates to any membership, subscription fees or direct debit payments.
  • The merchant may trade under a different name (an online search can often help identify the true trading name). Some more commonly used retailer/business names and subscription providers are detailed below.

Trading Name (Alphabetical Order)

Description

ACADEMICSINGLES*

A subscription service for online dating

ACM*BRINKLEYDAY.COM*

Online merchant that offers a trial subscription service for cosmetic products

APPLE ITUNES

Purchases made on the app store for an Apple device

AVG INTERNET SECURITY*

A subscription for anti-virus software (may auto-renew)

BLS*BRINKLEYNIGHT.COM*

Online merchant that offers a trial subscription service for cosmetic products

EHARMONY.COM.AU*

A subscription service for online dating

ESERVICEPS.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

GETHELPSXPF.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

GOOGLE *Play g.co/helppay

A purchase made through the Google Play store

HELPDESKSC.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

INFODESKCS.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

JUST ANSWER*

Online subscription service for expert advice

MCAFEE*

A subscription for anti-virus software (may auto-renew)

NORTON*

A subscription for anti-virus software (may auto-renew)

ONLINEORDEROHC.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

PAYREF.INFO*

A subscription service for online dating

PAYPAL

A online payment processed by PayPal, the merchant may differ such as eBay

PLAYSTATIONNETWORK

An online gaming purchase for a PlayStation device

pof.com*

A subscription service for online dating

RGPCUSTOMER.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

SPOTIFY*

A subscription for online music streaming

SUPPORTPSERV.COM*

Online merchant that offers a trial subscription service for pharmaceutical products

VENNTRO MEDIA GROUP*

A subscription service for online dating

VIAGOGO

An online ticket re-sale website

*Note: these merchants offer trial subscription services. They may be automatically charge ongoing subscription fees unless cancelled following an initial trial period.

If you are still unsure, we can help you dispute the transaction.

A pending transaction can only be cancelled if the merchant provides us with a pre-authorisation release confirming they have no intention to debit the restricted funds. As the merchant has authorisation over the funds, we cannot release the funds without their authority.

If you believe a pending transaction is unauthorised, once the funds have debited from your account, we can help you dispute the transaction. Please send us a secure message via Internet Banking or the Mobile App with details of the transaction. Alternatively, you can call us on 13 25 85 or visit your nearest branch.

Transfers made using a PayID or from one Beyond Bank account to another will be processed instantly and the funds will be available within seconds.

For transfers made on a public holiday or weekend, using BPAY or a BSB and account number, the funds will be debited from your account immediately, processed the next business day and will be available to the biller or recipient within 1-2 business days.

Some online merchants will verify your card details by processing a separate pre-authorisation amount (the dollar values can vary), prior to processing the purchase transaction. Usually after the transaction is complete the separate pending transaction and funds will be released within five business days.

If the merchant has processed a separate pre-authorisation amount and you would like the funds to be released before the five business days, particularly if the pending amount is of higher value, the merchant can provide us with a pre-authorisation release confirming they have no intention to debit the restricted funds.

Between Beyond Bank accounts

Transfers between your own accounts and to most other Beyond Bank accounts are instant.

To other financial institutions

Transfers to other Australian financial institutions are available within seconds*, if transferred using a PayID. For transfers made using a BSB and account number, the funds will be available in the recipient’s account within 1-2 business days.

* Faster transfers available between participating banks, a full list of participating banks is available here.

International Money Transfers (IMT)

It usually takes 2-5 business days to process an IMT, however it can take longer for the recipient to receive the funds depending on the country and bank the funds are being sent to.

Transfers:

Contact the recipient and ask them to transfer the funds back to you.

If the account details you provided are incorrect, the funds may be returned to your account automatically by the other bank in 1-4 business days. Please note, some financial institutions have unique account numbers and therefore do not check BSB/account number combinations.

If after 1-4 business days the funds have not been returned to your account, contact us via secure message, call us on 13 25 85 or visit your nearest branch and we can attempt a recovery of the funds.

This process can take several weeks as we need to wait on a response from the other financial institution. We will send you a letter providing details of the outcome once the recovery process has been completed.

BPAY:

If you have only just completed a BPAY and realised the information was incorrect, contact us straight away on 13 25 85. In some instances, we may be able to reverse the transfer for you.

If some time has passed since you completed a BPAY with incorrect information, there is a possibility that the biller may reject the payment and return the funds. This process can take around 2-4 business days. Contact the biller directly to advise them of the situation.

If after 4 business days, the money has not been returned to your account, we can help you dispute the payment. To dispute an BPAY transaction, please send us a secure message via Internet Banking or the Mobile App with details of the transaction. Alternatively, you can call us on 13 25 85 or visit your nearest branch.

 

Cash deposits can be made into your account at your nearest branch. Alternatively, online transfers to your account can be made from other financial institutions using your registered PayID for instant* access or with your BSB account/member number for access within 1-2 business days.

* Faster transfers available between participating banks, a full list of participating banks is available here.

To change the name on your account you must provide us with an original or certified copy of your change of name documentation, along with identification showing your current name.

You will need to visit your nearest branch with the documentation to request the change of name. If you do not live near one of our branches, please call us on 13 25 85 for further assistance.

You can set up regular scheduled transfers between your own accounts using Internet Banking or the Mobile App.

Internet Banking:

  • Once logged in, select Transfer/Pay then Transfer
  • Choose the accounts you wish to transfer from and to
  • Enter the transfer amount and any reference
  • Select Schedule Payments (located under the transfer amount)
  • Enter the information based on your desired transfer frequency.

          Mobile App:

  • Once logged in, select Transfer
  • Choose the accounts you wish to transfer from and to
  • Enter the transfer amount
  • Select Scheduled payment? (located under the transfer amount)
  • Enter the information based on your desired transfer frequency.

You can also set up regular scheduled transfers to accounts outside of Beyond Bank using Internet Banking or the Mobile App.

Internet Banking:

  • Once logged in, select Transfer/Pay then Make Payment
  • Select the Schedule button
  • Enter account details using New Payee or select from your list of Saved Payees
  • Once the payee information is entered, choose the amount and desired transfer frequency.

Mobile App:

  • Once logged in, select Make Payment
  • Enter account details using New Payee or select from your list of Saved Payees
  • Enter the transfer amount
  • Select Scheduled payment? (located under the transfer amount)
  • Enter the information based on your desired transfer frequency.

A member number is a unique number that identifies you from all other Beyond Bank customers. When you open a membership with Beyond Bank you will be allocated a member number and within your membership various accounts, products and services can be opened.

Fees and charges will vary from depending on the accounts you own.

For example, our Purple Transactor account has $0 monthly fee, $0 fees for card transactions in Australia and $0 dishonour fees.

However, other accounts like our Retirement account may incur fees which will be offset by your monthly fee allowance. Your monthly fee allowance is based on your relationship portfolio value and the number of years you have been a member.

For further information refer to our Fees and Charges Guide.

A transaction account is an account that you use on a day to day basis which your wage and other payments can be paid into. Your transaction account is also used to pay for bills, shopping and other everyday purchases using a linked Visa card. Transaction accounts do not earn interest on the balances.

A savings account is an account that earns and pays interest based on your overall balance, providing any terms and conditions of the account are met. Whilst your money is not locked away like a term deposit, a savings account is intended to help you reach your savings goals faster, so you would not have a Visa card linked to the account.

Existing members can open a Community Reward account through Internet Banking or the Mobile App. New members can open an account online, by visiting your nearest branch or by calling us on 13 25 85 for more information. New members will need either a Drivers Licence or an Australian Passport, or a Birth Certificate and either a Medicare Card or Student Photo ID (if full-time student) to open a new account.

A Term Deposit is a great account for customers wanting to earn a higher return on their investment and won’t need to access the funds during the investment term. The interest rate is fixed for a set period of time, ranging from three months to five years, with the choice of interest paid at maturity for terms under 12 months or interest paid monthly, annually or at maturity for terms over 12 months.

Existing members can open a Term Deposit account through Internet Banking or the Mobile App. New members can open an account by visiting your nearest branch or by calling us on 13 25 85 for more information. New members will need either a Drivers Licence or an Australian Passport, or a Birth Certificate and either a Medicare Card or Student Photo ID (if full time student) to open a new account.

The Retirement account is an interest earning and everyday transaction account rolled into one. Whether it be buying coffee or dinner with your Visa card, receiving your pension or other payments, sending money in an instant^ with PayID or paying your bills through BPAY or direct debits - this account can do it all.

To be eligible to open a Retirement Account you must receive a superannuation pension, be a self-funded retiree, an age pensioner or receive the Mature Age Allowance.

The Retirement Account has a stepped interest rate so the more you save, the more interest you earn. Fees are offset by your monthly fee allowance which is based on your relationship portfolio value and the number of years you have been a member. For further information refer to our Fees and Charges Guide.

^ Faster transfers available between participating banks, a full list of participating banks is available here.

Existing members can open a Retirement account through Internet Banking or the Mobile App. New members can open an account by visiting your nearest branch or by calling us on 13 25 85 for more information. New members will need either a Drivers Licence or an Australian Passport, or a Birth Certificate and either a Medicare Card or Student Photo ID (if full time student) to open a new account.

The Purple Transactor is an account for everyday use with $0 monthly fee. Whether it be buying coffee or dinner with your Visa card, receiving your wage or other payments, sending money in an instant^ with PayID or paying your bills through BPAY or direct debits - this account can do it all.

Tap and go payments are easy with Visa payWave, Apple Pay¹, Google Pay² or Samsung Pay³. Plus, there are $0 fees for card transactions in Australia.

 

^ Faster transfers available between participating banks, a full list of participating banks is available here.

¹ Apple® is a trademark of Apple Inc. Apple Pay is available on select Apple devices. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

² AndroidTM and Google PayTM are trademarks of Google Inc. Google Pay is available on selected Android devices.

³ Samsung Pay is a trademark of Samsung Electronics Co. Ltd. Samsung Pay is available on select Samsung devices.

Existing members can open a Purple Transactor account through Internet Banking or the Mobile App. New members can open an account by visiting your nearest branch or by calling us on 13 25 85 for more information. New members will need either a Drivers Licence or an Australian Passport, or a Birth Certificate and either a Medicare Card or Student Photo ID (if full-time student) to open a new account.

The Purple Transactor is a non-interest earning account with none of those annoying ‘everyday’ fees. There are $0 fees for card transactions in Australia, $0 monthly fees and $0 dishonour fees. Transactions are excluded from fee free are TEXT ME!*, Foreign Currency Conversion Fee and any SWIFT and Foreign Exchange Related Fees.

 

* TEXT ME! Fees are not inclusive of 2nd factor secure sms authentication messages. For more info please see the Fees and Charges Guide.

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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