Internet Banking

Once a card control function has been enabled or disabled, it will stay in that position until it is manually changed back.

Yes. Direct debits made against the card number will continue to be deducted.

If our Mobile Banking or Internet Banking service is not set up on your account, we won’t be able to apply a temporary block. In this case, the card would need to be cancelled if it had been lost or stolen. If these services are not set up, then we would be happy to assist you with setting them up.

No. Once you make a change on one of your devices, the block will apply to your account which will be reflected across all your devices.

Yes. Cancelling your card will override any temporary blocks applied.

Yes. Card controls are available on both rediCARDS and Salary Packaging cards.

 Yes. A branch consultant can show you how to use the card controls service on the in-branch iPad or on your own device, but they aren’t able to apply any changes on your behalf.

Temporary Card Block – Instantly apply a block to the card if it has been misplaced. The block can be removed at any time and does not stop recurring transactions or Digital Wallet transactions.

Online Purchase – Disable to block all card-not-present transactions.

Contactless – Disable to block all contactless transactions.

In-Store Purchase – Disable to block all card-present transactions. This will also block contactless transactions (excludes Digital Wallet transactions).

Digital Wallet – Disable to block all Digital Wallet transactions.

ATM Withdrawal – Disable to block domestic and/or international ATM cash withdrawals on the card.

Our award-winning Internet Banking system is packed full of an ever-expanding suite of innovative features!

Below is a list of all the features that we offer with the link to Internet Banking, and a video that you can view for a demonstration.

• Open an account
• Mark card lost / stolen
• Order a new card
• Order a corporate cheque
• Update address
• Update employment details
• Record travel details
• Request to close an account
• Alter statement cycle
• Sign up for e-statements
• Reactivate a dormant account
• View and edit scheduled payments
• Rename accounts
• Request Allianz insurance policy changes
• Provide Term Deposit maturity instructions
• Increase transfer limits
• Card controls

Transfers

• BPAY
• Scheduled payments
• External transfers
• Access transaction listings
• Create a PayID

Beyond Finance Manager Tools

• Track your spending
• Access budgeting tools
• Set savings goals

Our award-winning Internet Banking service has unique features and offers you a secure transaction environment to do your banking online.

Watch the short videos below to familiarise with the features.

Accounts.

Transfer money, make payments, see your account balances, transaction history and e-statements and discover how Beyond Finance Manager can help you to reach your savings goals.

Payments.
Pay your bills using BPAY, schedule payments, make international transfers in a variety of currencies and set up SMS alerts to be on top of your transactions.

Card Management.

Activate your card or change your PIN anytime. Notify your travel plans and we will help you to keep your money safe during your trip.

When logging in for the first time, you may be automatically prompted to choose a new password. Remember not to choose a password that is the same as your member number, or that is sequential letters or numbers. To maintain security, your chosen password must comply with the below:

• Minimum of 8 characters in length
• Maximum of 16 characters in length
• Must contain letters and numbers
• You may use a combination of lower and upper case letters, numbers and symbols
• Do not include the following characters and/or spaces: < > /

Once the password has been changed, you will receive a confirmation message. Select Continue to navigate to the Welcome Screen:

If you are logging in to Internet Banking for the first time you will see an initial welcome screen, including some instructions to help you get started and an opportunity to download the Internet Banking Terms and Conditions within the Product Guide.

To continue, you must accept the Terms and Conditions. Click Accept to continue to Internet Banking: To provide additional security, a second form of identification is necessary if you want to use all of the features of Internet Banking. These features include External Funds Transfers (EFTs) and sending Secure Messages to our team.

When performing one of these actions, Internet Banking requests a security code that is verified against a code entered. For more details, please see Second Tier Authentication section.

Go to Internet Banking. Enter your member number into the first field and the password that you have chosen into the second, and then click Login. If you are not sure of your member number, you can find it at the bottom of your card, under your name.

From this page, you can also navigate back to the home page of our website by clicking the Visit Website link under the login fields. You can also view our latest news on the login page, which will alert you to any outages and other important news about Internet Banking.

If you forgot your password, simply click on the link SMS Password Reset located under the Log In button on the Internet Banking page.

You can register for Internet Banking when creating your membership with Beyond Bank, whether that’s in a branch or over the phone.

A staff member in a branch will be able to register you for Internet Banking at any time during business hours. If you are unable to get to a branch, you can call the Customer Relationship Centre on 13 25 85 and quote your telephone access passcode to register.

Once you have registered, you can navigate directly to Internet Banking by typing online.beyonbank.com.au into your browser address bar, or by clicking the link to internet banking on our website.

If you have forgotten your password for Internet Banking, there are a number of options available to reset it.

The easiest way is to click the link SMS Password Reset below the login section on Internet Banking. This process will send you a temporary password to your mobile number via SMS.

Clicking this link will prompt you to enter your member number and the characters that you can see in the picture, to prove your identity.

Once you have done this, click Next to be taken to a confirmation screen.

Clicking the Reset button on this page will send you a text message with a temporary password. You will need to log in with your temporary password and will be prompted to change it when you do.

You can also call the Customer Relationship Centre on 13 25 85 and quote your Telephone Access Passcode or head into a branch with identification and request that a Member Service Consultant resets your Internet Banking Password for you.

Osko® is the first service available on the Payments Platform (NPP) and is backed by BPAY Pty Ltd. It will make sending and receiving money faster by using a PayID. A PayID is an alternative way to address payments. You can use this instead of remembering or sharing your BSB and account number. A PayID can be a mobile number or email address, and for businesses can also be an ABN or Organisation ID.

NPP is the acronym for the Payments Platform which is owned and operated by NPP Australia Limited. NPP launched in 2017 Osko® service to make sending and receiving money faster by using a PayID.

PayID is an alternative way to address payments. You can use this instead of remembering or sharing your BSB and account number. A PayID can be a mobile number or email address, and for businesses can also be an ABN or Organisation ID.

You can only link one account to your mobile number.

 You also can have another account linked to an email address. 

Yes, you can have more than one PayID linked to each account.

Click here to visit the full list of participating banks on the NPP service.

No. A PayID is only used to deposit money to your account.  No-one can access your account by knowing your PayID.

Osko will use the Payments Platform, a world leading technology certified to highest data security standards and monitored 24 hours a day, 7 days a week.  All payments made on the platform are also subject to participating banks own real-time fraud screening and detection capabilities.

It will also incorporate functionality designed to reduce the risk of misdirected or fraudulent payments, enabling the sender to confirm the name of the recipient before finalising the payment to a PayID.

To transfer funds using BPAY, you will need:

• A Biller Code – between 4-6 digits, which should be located on your bill.
• A Customer Reference Number – also located on your bill, usually near the Biller Code. The number of digits varies from biller to biller.

You can enter a description for the payment to refer to in the list of saved billers.

You can also select Schedule Payment on this screen to set up a recurring BPAY transfer, in much the same way as you would for a normal electronic funds transfer.

BPAY View allows you to set up email bill notification for participating billers. You can view a list of participating billers here (search for the organisation and look for Offers BPAY View.

When a new bill is generated, you will receive an email notification with all of the information you will need to then log in and make the payment.

You can register for BPAY using Internet Banking. If you have not used the facility before, sign up by clicking the BPAY View button from the top navigation panel and entering your details.

Once you have registered, you can enter a biller to begin receiving notifications via email when a bill is due.

Once you have entered the Biller Code, enter the BPAY View Registration Number and Valuation Number. If you cannot see these numbers on your bill notice, contact the recipient organisation – they will be able to point you on the right direction.

Once you have added your billers, you will begin to receive notifications with the information you need to log in to Internet Banking and pay your bills via BPAY.

Beyond Bank provides you with the ability to transfer funds overseas via Telegraphic Transfer. To perform the transaction you will need:

• Transfer amount and required currency
• Beneficiary name
• Beneficiary address (full street address is mandatory)
• Bank sort code/SWIFT address/chips/routing number
• Beneficiary account number
• IBAN (this is mandatory for transfers sent to the United Kingdom or European Union)
• Bank name • Full bank address (full street address is mandatory)
• Special instructions (if any)

Enter the details in the fields required and click Get Quote to navigate to a confirmation page.

A quote will be provided based on the current exchange rates. This quote and the associated fee must be accepted within 45 seconds. To accept the quote and proceed, click Continue To Transfer.

On the next page you will need to enter all of the details that have been provided to you by the recipient. The first section is Payment Details, and the only thing you need to enter is the purpose of the payment. This is required as some countries will not accept a Telegraphic Transfer unless the purpose has been disclosed.

Next, fill in the beneficiary (the person receiving the payment) details. These should all be provided to you by the beneficiary.

Finally, enter the recipient bank details. These should also be provided by the beneficiary.

When you have entered all of the required details, click Submit to confirm the details and send the transfer.

Please note: an International Transfer will take approximately 4 – 5 business days to be received.

You can review or modify your current scheduled payments under the Scheduled Payments screen

To see more information, or make a change to a current payment, click on the ellipsis (…) on the right. A list of options will drop down and you can make changes as required.

On the main navigation menu go to Services, then click on Manage PayIDs.

Select from the list the PayID you would like to manage.

You can change the account the PayID is linked to as well as the pay ID name and click on Next.

You then will be redirected to a confirmation page outlining the changes you have made to your PayID.

You also have the option to:

Lock a PayID: this will stop this PayID from being able to receive payments. You will still be able to use the linked account normally.

Transfer a PayID: once your PayID is set to ‘Transfer’ you can register the PayID with another bank. While your PayID is being transferred you will still receive payments with Beyond Bank. It can take up to 1 business day to be set to transferable.

Close PayID: once closed your PayID will no longer receive payments. Select the action you would like to do and follow the prompts.

On the main navigation menu go to Services, then click on Manage PayIDs. Then click on Create PayID.

Enter a valid mobile, email address, organisation IB or ABN and click Next.

Select the account you would like to link the PayID to and the PayID name. A PayID can only be registered with one bank account but once created can be transferred from one account to another.

Then tick to accept the PayID terms and conditions and click Next.

You can access and read the PayID Terms and conditions by clicking on the link.

Enter the code sent to the email address or mobile number you selected as your payID and click Next.

Select the account you would like to link the PayID to and the PayID name. A PayID can only be registered with one bank account but once created can be transferred from one account to another. Then tick to accept the PayID terms and conditions and click Next. You can access and read the PayID Terms and conditions by clicking on the link. Enter the code sent to the email address or mobile number you selected as your payID and click Next.

Your PayID has now been created. From this screen you can either manage your PayID’s or create a new one.

For Business Accounts PayID creation please contact us.

If we find that your PayID is already in use you will see a message when creating a PayID.

If you consider that your PayID may have been created by someone else you can dispute the ownership by clicking on Dispute PayID.

The, request and enter the code that was sent to your registered mobile number.

We will investigate this PayID dispute and get back to you with a resolution or update soon.

On the main navigation menu go to Services, then click on Secure Mailbox.  

The Secure Mailbox provides a secure way for you to contact Beyond Bank. As you have identified yourself by logging into Internet Banking and completing second tier authentication, we can offer a wide range of assistance using this service.

We may also send important, private information via Secure Messages, generally accompanied with a notification via email or a phone call to let you know that you need to log in and check your messages.

Initially, you will see all of your messages in a list. Click and individual message Subject to view the message.

If you would like to send a message to our Customer Relationship Centre, click Compose on the Message Inbox screen.

This will take you to a screen that will allow you to enter all of the details of your enquiry.

Once you have entered all of the information you can, click Send. A response will be in your Secure Message inbox within 24 business hours.

If you would like to view text messages that you have been sent by Beyond Bank in the past, click SMS history in the top navigation panel under Services.

This will take you to a screen that shows a brief description of all past text messages.

For more information about the body of each text message, you can call the Customer Relationship Centre on 13 25 85.

You can activate a card you have received in the post under the  Services section of the main navigation menu, then click on Card Management and finally on Activate Card.

Simply enter all of the card details in the fields provided, and click Activate Card. Your card will be active approximately 10 minutes after completing this process.

Go to the main navigation menu and click on Services. Then Card Management.

Then, if your card has been lost, stolen or you would like to change your card PIN, click on one of the options provided and update status.

Once you click Submit, the card will immediately be closed. You can order a new card by sending a Secure Message, by calling the Customer Relationship Centre on 13 25 85 or by visiting a branch.

Please note: Once a card is reported lost or stolen, it cannot be reinstated and a new card will be required to be issued (this may incur a fee).

On the main navigation menu click on Services then click on Notifications.

You can set up email notifications to let you know via email when a transaction has occurred.

Simply tick the box for the type of transaction that you would like to receive notifications for, and then click Save. You can log in at any time to update your preferences.

Registering for eStatements can save you money and space, while helping to save the environment by reducing paper waste.

If you sign up for eStatements, you can receive monthly, quarterly or six-monthly statements for free and securely through Internet Banking.

If you would like to register to receive eStatements, you can do so over the phone by calling our Customer Relationship Centre on 13 25 85.

To manage your eStatements set up in Internet Banking:

If you are already registered to receive eStatements, you can follow the below steps to manage where the eStatements will go, or deregister from eStatements if you wish to do so.

Simply log into Internet Banking, select “Services” from the menu and then click on eStatements Management.

This page allows you to update your preferred email address or deregister from eStatements. Simply change the details as required and click Submit My Request.

You can set up alerts to be sent as a text to your mobile phone when certain transactions occur on your account, or when your account balance increase above, or decreases below a certain amount.

On the main navigation menu click on Services then click on SMS Alerts.

Click Create Alert, then click either GLOBAL, ACCOUNT or CARD and follow the prompts to set up the alerts that you would like to receive.

Alerts that are already set up are also clearly displayed on this screen. Set up your alert settings: you can set up alerts to be sent as a text to your mobile phone when certain transactions occur on your account, or when your account balance increase above, or decreases below a certain amount. Include your mobile and email, then select which way would you like to be notified (SMS, email or both) and finally when would you like to receive the alerts.

You can choose anytime or specific times during the day to receive the alerts. Finally, click on Save.

To create an alert click Create Alert, then click either GLOBAL, ACCOUNT or CARD and follow the prompts to set up the alerts that you would like to receive. Alerts that are already set up are also clearly displayed on this screen.

 To delete alerts simple click on the ellipsis next to it and select Delete.

On the main navigation menu click on Services then click on Session History.

You can navigate to this section if you want to view the past interactions on Internet Banking.

This is handy if you suspect that someone else has logged into your account. Session history will show all changes that have been made to your accounts besides transactions that have been made.

If you want to see the transactions that have been made, navigate using the top menu to Accounts > Transaction History.

On the main navigation menu click on Apply, then click on Accounts.

You can open a new account via Internet Banking. Simply click the Accounts button under Apply in the top navigation panel, and then follow the prompts to select and create the account that you would like to open.

You can call the Customer Relationship Centre on 13 25 85 if you need help deciding which account best suits your needs.

On the main navigation menu click on Apply, then click on Loans and Credit Cards.

Similar to creating an account, just click the link and follow the prompts. Once you have submitted an application a Member Relationship Consultant will be in touch within 24 business hours.

On the main navigation menu click on Apply, then click on Loans Status.

If you have applied for a loan and are waiting on an answer, you can check the status of the application by clicking Loan Status. On this screen, you will see all of your current loan applications and the descriptions of each status.

When you log in to Internet Banking for the first time, you will be prompted to register for Secure SMS. This is the default second tier authentication method so you will need to register for this in order to register your VIP Access app or Factor Two Token.

Once you have reviewed all of the information on the first page, select the number to which you would like to receive the registration text message and click Register.

Click Request SMS Code. You will be shown a window confirming that the message has been sent.

You will then receive a text message with a code in it. Enter the code into the field below and click Continue Registration.

You will then be taken to a confirmation screen to let you know that you have successfully registered.

Update your contact details today by following these simple steps:

1. Log in to Internet Banking.
2. Select 'Settings' in the menu.
3. Then ‘Contact Details’ or 'Address Details'.

Updating online requires SMS authentication for security. If your mobile number needs updating, or you are not setup for SMS security, please call us on 13 25 85 or visit a branch.

We're tightening up our online security to increase protection of your accounts. Ensuring that you are are using complex passwords assists in preventing digital fraud.

A weak password is highly susceptible to a number of cyber attacks, however, the most common is brute-force attacks. This is when a hacker uses software to attempt hundreds of thousands of possible passwords until they stumble upon the right one. To help prevent this, we now require that all of our customers choose a complex password to protect your online banking.

• Minimum of 8 characters in length
• Maximum of 16 characters in length
• Must contain letters and numbers
• You may use a combination of lower and upper case letters, numbers and symbols
• Do not include the following characters and/or spaces: < > /

Unfortunately, we are unable to determine if your current password fits the new requirements.

The reason for this is that when your password is saved, it is encrypted and kept in a secure location. We never attempt to decrypt or view customer passwords under any circumstances. Therefore, to ensure all of our customer's passwords meet these new requirements, we must ask that you change your current password.

You are able to both rename and give an account a nickname in Internet Banking.

To nickname an account:

1. Login to IB

2. Click on Settings > Preferences

3. Select the account you want to nickname, enter it and save.

Note: The nickname will appear on your account in digital banking (Internet Banking and mobile app) but not on your statements. For joint accounts, nicknames are only visible to the account owner who set the nickname. The additional owner will be able to set their own nickname.

To rename an account:

1. Please send us a secure message to request this, letting us know the account you wish to rename, along with the new name.

Note: The new name will appear on your account in digital banking (if it doesn’t have a nickname), as well as on your statements.

Please avoid using any profanities or offensive words when nicknaming or renaming your accounts.

BPAY is short for Bill Payment. It’s a fast, convenient and easy way to pay your bills through online banking. You can choose when, how much and from which account you want to pay from.

Paying can be done in four easy steps:

1. Look for the BPAY logo and Biller Code on your bill
2. Log on to your internet, mobile, or over-the-phone banking service
3. Enter the required information – usually the biller code, customer reference number, payment amount and date
4. Confirm the details and pay your bill.

• Scams to gain your personal information - scammers will try anything to get hold of your personal details in a bid to make a fraudulent purchase or open a bank account in your name. Be particularly aware of ‘phishing’ scams which according to the Australian Competition and Consumer Commission (ACCC), is the most common scam type in Australia.¹ Phishing scams are attempts by scammers to trick you into handing over highly sensitive information such as bank account details, passwords and credit card numbers. They may do this in a number of ways, including asking you to ‘re-activate your account’ or pay for an outstanding bill that doesn’t exist.
  
  Other ways scammers might obtain your personal information is by hacking into your computer or mobile phone, or tricking you into installing software that allows the scammer to access your files and monitor your movements online.
   
• Dating and romance scams – dating and romance scammers create fake profiles on dating websites, apps or social media platforms using fake photos and identities. In this scenario, scammers typically try to enter into a relationship with you, pull at your heart strings before eventually asking you for money for something like medical bills, travel costs or a family crisis. These scammers are often overseas, pretending to work in the military or as an engineer for example.

• Online shopping scams – with more Aussies shopping online for goods and services, scammers have more opportunities to pose as genuine buyers and sellers on online shopping sites, online auctions and classified sites which are also becoming particularly common. According to Scamwatch, social media platforms have given rise to a new version of online shopping scams, where scammers use social platforms such as Facebook to set up online stores and attract buyers. These fake stores typically offer fake branded luxury clothing or jewellery at low prices, and then disappear once they’ve sufficiently profited from unsuspecting customers.

• Phone scams - phone scams are designed to trick you into thinking you’re communicating with someone from a well-known organisation, such as the Australian Tax Office (ATO) or Telstra. The end goal is to get hold of your personal information or payment details.
  
  Phone scammers often call to chase up ‘outstanding bills’ or they may even imitate someone from the ‘support desk’ in an attempt to get remote access to your computer. Technical support scams typically start with a caller claiming that your computer is infected with a virus, or there is a problem with your internet connection. Often, these scammers will use technical jargon to appear legitimate and intimidate you into following their instructions.

These scam types are just some of the scams you could come across online. Below are others to look out for:

• Unexpected money scams
• Prize and lottery scams
• Identity theft
• Job and employment scams
• Charity and medical scams
• Business scams

For more information about how to protect yourself from scammers, you can download the ACCC’s “The little black book of scams” or visit www.scamwatch.gov.au to stay up to date on the latest scam news and alerts.

Whilst every scammer might operate a little differently, there are a few warning signs to look out for whenever you’re doing anything online:

1. Scammers tend to approach you, and they will often use some sort of convincing story about why they are contacting you. They may contact you regularly and use high pressure sales tactics, computer or tax problems or use urgency to convince you to take their bait.
2. Scammers can play with your emotions, enlisting the thrill of a potential win, possibility of love, or fear of falling into arrears to trick you into taking action. They know just the right strings to pull.
3. Scammers often use professional and official-looking websites and shopping sites to convince you they are legitimate. They are also extremely savvy at faking the logo and branding of larger companies such as the ATO, Australia Post or PayPal. When you receive an email you’re not expecting, always question whether it’s real or fake.
4. Scammers may contact your mobile phone carrier and ‘port out’ your phone to a different carrier or SIM card. By doing this, they can take control of your mobile number and have security messages sent to your phone in an attempt to hijack your accounts. If your mobile phone stops working, or you receive advice from your provider that your number is being ported, this is a big warning sign.
5. Scammers typically ask for money, whether immediately or after months of grooming. For payment, scammers may direct you to their nearest post office, a wire transfer service or any number of other payment methods, including direct bank transfers, pre-loaded debit cards, gift cards or virtual currency such as Bitcoin. A request for payment via an unusual method is often a sign of a scam.
6. Scammers will often get your details incorrect. Be extremely cautious when you receive an email with your name misspelt.

For more information about what to look for in scams, you can download the ACCC’s “The little black book of scams” or visit www.scamwatch.gov.au to read up on the latest scam news and alerts.

Whilst there is no silver bullet, there are certainly steps you can take to protect yourself online. Below are some tips:

• Stay alert and remember that scams exist. Whenever you’re dealing with someone who has approached you online, always consider that it could be a scam. If in doubt, do some online research to find out more about them or the business they represent.

• Never send money or give your personal details to someone you have only met online, or don’t completely trust.

• Don’t accept contact requests on social media from people you don’t know and be careful how much personal information you share online. Scammers may use your personal information and photos to steal your identity or gather information about you, so their approach seems more familiar or genuine.

• Do not open suspicious texts, pop-up windows or emails. Be especially cautious when the sender has misspelt your name, asks for your banking details or promises you money. If it’s a company you already deal with, look up their contact information online and call them to check whether the message you received was legitimate.

• Be vigilant when shopping online. Always use shopping sites you know and trust. Be extremely wary of offers that seem ‘too good to be true’, because they probably are, and it’s safer to stay away.
   
• Protect your personal information. Shred utility bills or other documents that contain your personal details or pin numbers before throwing them away.
   

Choose strong passwords for your computers, mobile devices, and every online account. Get tips on setting a secure Internet Banking password here.
 

If you believe your personal details or banking information has been compromised, change your password and contact us immediately on 13 25 85.

To change your Internet Banking password, log in to Internet Banking and select > Settings > Change Password.

Reporting a scam

If you have come across what you believe to be a scam, you can help others by reporting the scam to your local police, and the Australian Competition and Consumer Commission via Scamwatch. Visit www.scamwatch.gov.au for more information.

Recover a stolen identity

If you suspect that you have fallen victim to identify theft, you should act quickly to reduce the damage that this can cause. You can contact IDCARE, a free, government-funded service that provides support to victims of identity crime.

Visit the IDCARE website at www.idcare.org or call them on 1300 432 273.

Getting support

Falling victim to a scam can be emotionally distressing. If you, or someone you know needs some support, please visit a health professional you trust, or seek help from one of the many support services on offer.