Mobile Banking

Manage your money while you’re on the move with our Mobile Banking App and discover all that you can do having your bank in your pocket.

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.

Osko will use the New 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.

If you or someone else enters the PIN three times incorrectly, the device will automatically lock and you will need to visit a branch with identification or call the Customer Relationship Centre on 13 25 85 and quote your Telephone Access Passcode to unlock it.

Our award-winning Mobile Banking app for iOS and Android phones is packed full of an ever-expanding suite of innovative features!

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

Account and General Information

  • Product Information
  • Calculators
  • Overseas travel assistance
  • Locate branches
  • Secure Messaging
  • Update your address
  • View and manage eStatements
  • Card Management
    • Change Card PIN
    • Set Up Apple Pay
    • Cancel lost or stolen cards

Transfers

  • BPAY
  • Scheduled Payments
  • External Transfers
  • Transaction Listings
  • Create PayID
  • Change transaction limits

Alerts

  • General Alerts for:
    • Direct Credits
    • Direct Debits
  • Card Alerts for:
    • Paywave/Paypass Transactions
    • ATM Withdrawals
    • EFTPOS Transactions
  • Account Alerts for:
    • Threshold breaches
    • Scheduled Balance Notifications

 

To register for our new Mobile Banking app, you will first need to download the app onto your smart phone or device via the Apple App Store or the Google Play Store. Once the app is downloaded, open the app and complete the following steps:

1. Tap the menu button

2. Tap Accounts

3. Enter your Member Number

4. Enter your Internet Banking password

5. Nominate a Device Name for your device

6. Nominate an app PIN and confirm it

7. Tap to indicate whether you would like to use Touch ID 

8. Tap the arrow to complete registration

9. You will receive an SMS with a code, enter the code and Register.

Once you have logged in once, the app will remember your details and every time you log in thereafter, you will simply need to enter your PIN or fingerprint if Touch ID was enabled.

This is optional and is only requested if your phone supports it. You can nominate a Device Name in case you want to register Mobile Banking for use on multiple devices. This way, if you want to deregister a particular device, you won’t need to deregister Mobile Banking completely.

Watch the following video to discover how easy banking with Beyond Bank really is and learn about how to register to start using your mobile banking app.

 

With the introduction of the New Payments Platform and our updated App, the way you pay a member has changed. However, the payment will still be made in an instant! Please follow the instructions below to complete a payment.

  1. Select Make Payment, Add Payee
  2. When adding a payee select Account. To pay a member our BSB is 325-185.
  3. Follow the steps to complete the payment.

The payment will be sent to their account instantly using Osko!

  • Quick access to your account balance without needing to log in every time (iOS only)
  • Add your card to Apple Pay instantly, without needing to fumble around with the physical card (iOS only)
  • Discuss your account needs via secure messages within the app
  • Simple, secure banking at your fingertips. PIN + Device-based security makes mobile banking incredibly simple and secure

  • Keep track of your details on the go. Manage payments and purchases or check balances and bills anywhere, anytime

  • Plan your next adventure! Advise your travel details or complete international transfers and payments

  • Customised communication. With personalised alerts and updates, our mobile banking app can let you know if you’re near your balance limit or when particular payments or purchases are made

  • Plan your savings or loans. We’ve created some great little calculators to help you save some money or repay a loan. Or just make sure you aren’t living beyond your means

  • Locate branches. Quickly find your closest branch based on your mobile location

  • Research latest products and rates. Simple, no-fuss updates about new products and the latest interest rates on offer

  • Contact us. Get in touch with us, or use our app to securely message us.

If you need to be reminded of any details required to set up Mobile Banking, you can visit a branch with identification or call the Customer Relationship Centre on 13 25 85 and quote your Telephone Access Passcode. A Member Service Consultant will be able to reset any passwords that you need and let you know where to find your member number if need be.

You can also reset your Internet Banking password by clicking here and following the prompts.

You can transfer funds within your own membership by tapping Transfer from the main menu. Here you can select the account that you would like to transfer from and to. When you have selected these accounts, enter the amount and description, and then you will be taken to a confirmation page.

When you have confirmed all of the details, tap Transfer Now to complete the transfer.

Once your payment is processed a receipt will be provided.

To transfer funds to another financial institution you can:

  •  Select Make Payment from the menu.
  • Once on the Make Payment screen, select Add Payee and Someone. Enter the full name of the person you are sending money to, their BSB number and account number. You will also have the option to save the payee and create a nickname for them for future transfers.
  • Enter the amount and description (optional) and select which account the money is being sent from and tap the arrow to go next.
  • If you have made a payment to the intended recipient in the past and saved the payee, you can simply select them from the list displayed under Make Payment.
  • Review the details of your transaction, then select Pay Now to submit it.
  • Once your payment is processed you will see a receipt screen. Transfers between financial institutions within Australia can take between 24 and 48 business hours.

To make a BPAY payment:

  • Tap the menu button and select BPAY.
  • Select New Biller and enter the biller code and reference numbers (provided to you by the recipient organisation). You will also have the option to save the biller and create a nickname for them for future transfers.
  • Enter the amount and description (optional) and select which account the money is being sent from and tap the arrow to go next. If you have made a payment to the intended recipient in the past and saved the biller, you can simply select them from the list displayed under BPAY.
  • Review the details of your transaction on the confirmation page, tap Pay Now to complete the transaction. Once your payment is processed you will see a receipt screen. BPAY transactions can take between 24 and 48 business hours.

When you register the Mobile Banking app on an iOS phone that has Touch ID enabled, you will be asked whether you would like to enable the facility for use when you use the app.

If you enable Touch ID for use in the app, anyone with a fingerprint registered to that device will be able to log into Mobile Banking using their
own fingerprint. You are advised to only enable Touch ID if you are the only person who knows your device passcode and has their fingerprint registered.

To manage the Touch ID facility:

  • Tap the menu button and select App Settings
  • Then Touch ID, you will be taken to a screen where you can find information about the facility and switch it on and off.

You can change the order of your accounts, and your nominated favourite account on the Accounts page.

Once on the Accounts page, tap the bolt icon on the right of the account name that you would like to make your favourite account.
You can also tap and hold the account to change the order. When you are happy with the position simply release from holding.

The account that you leave at the top of this list is your default account and will be the first on the list whenever you are selecting an account to transfer from.

The transaction limits for Mobile Banking are the same as Internet Banking:
Transaction Type Applicable Limit

  • External Transfer: $5000.00
  • BPAY:  $15,000.00
  • Internal Transfer: $50,000.00

If you would like to increase these limits, you can do so by visiting a branch with identification, calling the Customer Relationship Centre on 13 25 85 with your Telephone Access Passcode or sending a Secure Message via Internet Banking or the app, including the transaction type and amount that you would like to make.

If you can’t see all of your accounts in Mobile Banking, you can call the Customer Relationship Centre on 13 25 85 and have those accounts made visible.

If you have a two-to-sign account, you will be able to view the account, but you will not be able to make transactions as only one member can sign into Mobile Banking at a time.

If you have any questions, or if you would like to report an error, you can do this by visiting a branch, calling the Customer Relationship Centre or sending a secure message via the app or Internet Banking.

For general enquiries you can also submit an Online Enquiry by tapping Contact Us from the menu and then selecting Email Us.

To deregister Mobile Banking on your phone, tap App Settings in the menu and then select My Devices.

Tap the device that you would like to deregister, then tap De-register device at the bottom of the screen. You can also de-register your device by tapping Forgot App PIN under App Settings.

You don’t need to add push notifications to use the basic functions of the app, but you will need to allow push notifications if you would like to set up alerts for direct credits, direct debits, balance thresholds, etc.

If your device is disabled, it has been locked due to a number of failed PIN attempts.

To fix this, you can delete the app and download it again, or call the Customer Relationship Centre on 13 25 85 to have the device enabled once more.

Yes. To setup a scheduled transfer between your own accounts, select Transfer from the menu, choose which account the transfer is from and going to, enter the amount and then select Schedule Payment.

Choose whether it will be a later payment or recurring and enter the dates for start and end. You can also leave the end date as ‘Never’ if you would like the transfer to continue indefinitely.

For scheduled payments to someone else, select Make Payment and follow the above steps. Once you have a scheduled transfer set up, you can view it in the menu, under Scheduled.

From the home screen:

  • Tap the menu button and then tap Accounts.
  • On the Accounts screen, below the purple account bar, swipe right and tap the info icon.
  • The interest rate for the account that you have selected will be displayed under the first section of the page.

The app will continue to operate in the background unless you log out or force it to close, but it will automatically log you out after 10 minutes of inactivity.

It is important to call us on 13 25 85 as soon as possible when you believe the security of your funds may have been compromised.

A Member Service Consultant in the Customer Relationship Centre will be able to lock your Internet and Mobile Banking until you find or replace your phone and are able to reset the login details.

Apple
To uninstall the app on an Apple device, simply tap and hold the app icon on your phone and wait for it to jiggle. When this happens you will see a small ‘x’ symbol at the top-right corner of the icon, tap that and confirm to delete the app, this will also uninstall it.
 

Android
To uninstall the Beyond Bank Mobile Banking app on an Android device, tap the ‘Apps’ button on the home page, visible when you unlock the phone. When you are presented with a list of your apps, tap and hold the Beyond Bank app until you see a trash can drop down at the top of the screen. Once you see the trash can, drag the icon over to it and drop it in there.

You can set up an alert by following the steps below:

  1. Open the app, log in and open the menu
  2. Scroll to the bottom of the menu and tap Alerts
  3. From the Alerts page, you can select either
  • General alerts for direct credits and debits
  • Accounts alerts for threshold and scheduled balance alerts
  • Cards for alerts for card transactions

A direct credit alert will send a push notification when any merchant credits any of your accounts.

A direct debit alert will send a push notification when any merchant debits any of your accounts.

A threshold alert allows you to set a top and/or bottom threshold for the balance of any of your accounts.If the threshold that you set is breached, you will see an alert.

All of the card alerts will allow you to nominate whether you would like to receive a push notification every time the card is used, or just when a transaction limit that you set is breached.

Yes. From the home screen:

  • Tap the menu button and then tap Overseas Travel.
  • Select Notify Travel Plans and enter the details regarding when you will be departing and returning along with the countries you will be visiting.

If we can help with travel insurance, ordering foreign cash, purchasing a cash passport or applying for a credit card, give those options a tick and a Member Service Consultant will get back to you as soon as possible.

  • Tap the menu icon and select Card Management. If you have several cards, they will all be shown here. Tap on the card and choose Change Card PIN.
  • You can then create a new PIN number by confirming it before selecting Change.
  • Alternatively, you are able to change the PIN number via Internet Banking or visiting your nearest branch.

You can easily set up notifications for when your account is near its limit in the Beyond Bank App by setting up a free Threshold Alert.

To do this:

  • Open the app, and ensure you have enabled push alerts
  • Tap on the menu and select Alerts and then Accounts
  • Select the account you would like to monitor
  • Pick the amount that you would like to be alerted to - in my case it is $100:
  • Tap save.

That's it - you will be sent a notification if your account goes under that limit, allowing you to be in control of your spending.

Setting up push alerts within the app ensures you receive notifications about your accounts and important app information. 

  • Open the app
  • Tap on the menu and select Alerts and then the cog in the top right corner to open the settings
  • Enable the Push Notifications option
  • You can enable the others too, but be aware that SMS is charged at 26c a message; the others are free.

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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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