This screen will appear if your payment triggered SMS Secure. This is an important security step to help protect you against internet fraud.

What Triggers SMS Secure?

• changing/resetting your access code
• viewing/editing your profile, including limit changes
• stopping, cancelling or activating your card
• processing Batch Pay
• the first payment to a new BSB & Account number (Payee)
• the first payment to an existing Payee since registering for SMS Secure

Once a payee has been 'trusted' (that is, authenticated by SMS) then you will not get an SMS the next time you make a payment to that payee.

What Happens When SMS Secure Is Triggered?

1. the SMS Authentication Required screen will appear
2. a SMS text message is sent to your mobile with a six digit Authentication Code.

How SMS Secure Protects You

If you were to receive an SMS regarding an action you have not instigated, for example, a payment that you had not created, to an unknown BSB and Account Number, you should change your access code immediately and contact us on 1300 138 831 (Mon-Fri 7am-7pm, excluding Public Holidays), as it may mean that your Internet Banking Security has been breached.

The suspect action can not be processed without entering the Authorisation Code from the SMS message, so no money could be transferred from your account to an unknown BSB and Account Number without your knowledge.

To register for SMS Secure please contact your local branch or send us a secure email and we will arrange to activate this service for you.

The Payments & Transfers menu provides access to various Transfer and Bpay options

The main function on this screen:

Pending Payments

The first tab is Pending Payments which displays your future dated one off payments, as well as the the next payment for any recurring payments that you have set up. This includes both Transfers and BPAYs. Payments occurring on the current date will not be displayed.

The 'next' and 'previous' buttons can be used if there are more pending payments to view.

Pressing the 'Go' button will change the list size so that the selected number of payments are displayed on one page.

By using the 'Showing:' drop down list you can choose to view only Transfers, BPAYs or Group Transfers. Selecting 'All Payments' will display all types of payments in the list.

Pending Payments headings:

• To - the account or BPAY Biller being credited/deposited to
• Due Date - the date the payment will be debited from your account
• Amount - the amount to be debited from your account
• Debit Account - the account that the payment will be debited from
• Available - the current available balance for the account that the payment will be debited from
• Frequency - how often the payment will be debited from the account eg. Once only, weekly, monthly

By selecting the 'To' field of a particular payment, further details of the payment can be seen. Actions that can be performed on the payment are also displayed.

• Delete
  Pressing this button next to a pending payment will remove this payment
• Modify
  Pressing this button next to a pending payment will allow you to change the details of a payment
• Unsubscribe
  Pressing this button next to a pending payment will unsubsribe you from recieving SMS notifications about this payment

Pending Payments

The Pending tab provides details of all the payments that are pending on your accounts. This includes Transfers, BPAYs and Group Transfers. The list displays all future dated one off payments and the next payment for any periodic payments that you have set up.

The 'next' and 'previous' buttons can be used if there are more pending payments to view.

Pressing the 'Go' button will change the list size so that the selected number of payments are displayed on one page.

By using the 'Showing:' drop down list you can choose to view only Transfers, BPAYs or Group Transfers. Selecting 'All Payments' will display all types of payments in the list.

Pending Payments headings:

• To - the account or BPAY Biller being credited/deposited to
• Due Date - the date the payment will be debited from your account
• Amount - the amount to be debited from your account
• Debit Account - the account that the payment will be debited from
• Available - the current available balance for the account that the payment will be debited from
• Frequency - how often the payment will be debited from the account eg. Once only, weekly, monthly

By selecting the 'To' field of a particular payment, further details of the payment can be seen. Actions that can be performed on the payment are also displayed.

• Delete
  Pressing this button next to a pending payment will remove this payment
• Modify
  Pressing this button next to a pending payment will allow you to change the details of a payment
• Unsubscribe
  Pressing this button next to a pending payment will unsubsribe you from recieving SMS notifications about this payment

This screen appears after the Add Payee has been pressed. 

Here you can add a payee to your third party payee list by entering the following details:

• Payee Name - this name entered should match the account name of the person you are intending to transfer funds to
• BSB (6 digit number) - If the payee's account is with this Financial Institution, check the "Use Institutions BSB" box and the correct BSB will automatically be entered for you.
• Account Number - maximum 9 digits
• Reference for the payee (can be no more then 18 characters). The payee can use this reference to identify your payment.

Press the Add button to add the payee to your third party payee list.

Press the Cancel button to cancel adding the payee and return to the previous screen.

This screen appears after the Edit button has been pressed.

It will be populated with the current details of the selected payee from your third party payee list.

Use this screen to edit any or all of the payee details including:

• Payee Name - this name entered should match the account name of the person you are intending to transfer funds to
• BSB - 6 digit number
• Account Number - maximum 9 digits
• Reference for the payee (can be no more then 18 characters). The payee can use this reference to identify your payment.

Press the Update button to save changes made to the payee details.

Press the Cancel if you don't wish to save any changes made to the payee and return to the previous screen.

Note: changing the payee information may or may not affect your future-dated or periodic payments to that payee.  Please contact Customer Service for more information.

This screen appears after the Own Account Transfer button has been selected. It allows you to make a payment to one of your own accounts.

• Select From Account - select which account from your selected entity (where applicable) you wish to make the payment from (Select from the drop down box)
• Select To Account - select payment destination (Select from the drop down box which includes a list of your internal accounts

  Payment Details

• Payment Amount - enter the Payment Amount (in the form $$$.cc)
• Payment Description - enter a description for the payment. The Payee can use this description to identify the payment. eg. Rent, Ticket money
• When - choose the appropriate timing for 'when' you wish to make the transfer, options are Pay now, Transfer on (a specific date) or Make a recurring transfer (at the selected frequency)
• Pay now - select this option to perform an immediate transfer.
• Transfer on - select this option to choose a future date to make the Payment. Select the date using the Calendar icon shown
• Make a Recurring Transfer - select the required Transfer Frequency from the dropdown list provided. Options include weekly, fortnightly, monthly, annually etc.
• Starting - Starting date - select appropriate date using the Calendar icon shown.
• Ending - select the required option to Continue transfers indefinitely, or if a finite period is required, choose Stop all transfers after this date. You then need to enter a date after which you need the payment stopped. Ensure you use the Calendar icon shown to select this date.

  Receipt and Notifications

• Email Confirmation Option - select the check box if you wish to recieve an e-mailed copy of the receipt, or have a copy of the receipt e-mailed to the payee.
• SMS Notification Option - select the check box if you wish to recieve a SMS notification about this payment on the date it is due.

Press the Continue button to confirm the above details and proceed with the payment.

Press the Cancel button to cancel the payment and return to the previous screen.

This screen provides you with an opportunity to review your payment instructions before the payment is scheduled for processing.

You may choose to Proceed with Payment, Change your payment instructions or Cancel the payment altogether.

This screen provides a receipt of the third party payment for your records including a unique receipt number should you have a query regarding the payment in the future.

If you require a permanent record of the receipt details, press the Print button to print a copy of this receipt from your printer.

Press the Pay Another Payee to return to the Enter Payment Details screen and pay another payee