What should I do if my personal information has been compromised?

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.

How to register for Mobile Banking.

How to do payments using the mobile app.

How to crare a PayID using the mobile app.

How to pay using PayID on the mobile app.

How to manage your PayID on the mobile app.

To register for our new Mobile Banking app, you will first need to register for internet banking. Once you have done that 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.

• PayID: Send & receive money in minutes
• Pay a friend on the move. Add new payees when it’s convenient for you
• Apple Pay integration. Add your card to your Wallet directly from within the Beyond Bank app – no manual input required (iOS only)
• Schedule transactions and see a list of scheduled transfers
• See your pending transactions
• Change your transfer limits
• Keep track of your details on the go. Manage payments and purchases or check balances and bills anywhere, anytime
• Share your account details. Share your BSB and account number using the device's native share function. This usually includes SMS, email and any other sharing apps available on your device.
• Tap any transaction listed in your transaction history to see more information, including the time the transaction was made.
• Stay alert with additional Push Notifications. Keeping you informed when your balance reaches negative, or a payment is almost due or overdue.

Watch the following video to discover how easy banking is to do mobile payments with Beyond Bank mobile app.

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
• Add account nicknames
• Add the new smartphone widget to access Quick Balance on your device without opening the app
• 3D touch/long press the Beyond Bank app icon on your device home screen for quick access to the most popular banking features.
• Card Management
  • Change Card PIN
  • Set Up Apple Pay
  • Cancel lost or stolen cards
  • Reduce credit card limit
  • Close credit card account
  • Card controls including online and in-store purchases, contactless, digital wallet and ATM withdrawals.

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

• 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.