Internet Banking:
Mobile Banking:
If you've forgotten your Internet Banking Access Code, you can easily reset it from the Internet Banking Login screen. To reset your Access Code:
You can update your phone numbers, email address, residential and postal addresses in Internet Banking. You can update your address only in Mobile Banking.
Internet Banking:
Mobile Banking:
To rename your account (i.e., give it a nickname):
This feature is only available in Internet Banking.
To change how your accounts are ordered on the screen when using the app:
Please note: Re-ordering your accounts in the app will not reorder how your accounts are displayed in Internet Banking when using a web browser, instead of the app.
You'll now be able to track your progress by swiping left across to the 'Savings Goal' widget/graph on the Home Screen of the app.
Your Online Banking Daily Transaction Limits, limit the maximum amount of money you can send per day from all accounts that you own using Internet Banking or the Mobile Banking app. You choose what your limits are for each Transaction Type up to a Maximum Allowable Limit. The Maximum Allowable Limit for each Transaction Type is shown below.
| Transaction Type | Maximum Allowable Limit |
| Internal Transfers (Auswide Bank to Auswide Bank) | $50,000 |
| BPAY Payments | $25,000 |
| External Transfers (Auswide Bank to other financial institution) | $25,000 |
| International Transfers | $2,000 |
| NPP/ OSKO Transfers | $25,000 |
You can change your limits at any time in Internet Banking. To change your Online Banking Daily Transaction Limits:
Daily Transaction Limits are cumulative and apply to transactions made via our Internet Banking and the Mobile Banking app and to all your accounts. Terms and conditions apply. For more information, read our Guide to Banking Services.
To view how much interest you earned and paid for the tax year:
Internet Banking:
Mobile Banking:
Please note: Your tax accountant may still request to see this information printed on Auswide Bank letterhead. You can request a copy of this from your local branch or by calling our Customer Hub on 1300 138 831 between 8am and 6pm AEST weekdays (excluding public holidays).
Internet Banking:
Important: Please note, Internet Banking is limited to how much data it can search for at once (i.e., limit on the bytes of data). It's best to enter a search criteria which is not likely to return more than 1,000 transaction records.
Mobile Banking:
Note: You can also view more detailed information about a transaction, by tapping on an individual transaction in the listing.
To view any transfers and payments that you've scheduled to be made on a date in the future:
Internet Banking:
Mobile Banking:
You can also view your Future Payments by selecting 'Payments' from the top menu of options and then selecting 'Future Payments'. If you do not have any Future Payments scheduled, no Future Payments will be displayed on the screen.
Internet Banking:
When we send a reply to you, you will be able to view our reply from your Inbox as well.
Mobile Banking:
When we send a reply to you, you will be able to view our reply from your Inbox in the 'Secure Messages' section of the app.
Internet Banking:
To save you time, you can also add new Payees when making transfers/payments.
Mobile Banking:
To make transfers (either between your own accounts or to another payee):
To make multiple transfers at once (i.e., a batch transfer):
This feature is only available within Internet Banking.
To download a list of transactions on a particular account to an Excel file:
To unlock your Internet Banking, please contact us or visit us in branch.
To close your Auswide Bank account, please contact us or visit us in branch.
This feature is not currently available in the Auswide Bank app.
You can register to receive e-statements for each account in Internet Banking by updating your Statement Preferences.
Internet Banking:
Mobile App:
Note: You can also customise how often you'd like to receive your statements from this screen by changing the settings under 'Frequency'.
You can register your mobile number or email address as a PayID, or if you’re a business, your ABN or Organisation ID. Once registered, simply share it with people who need to pay you rather than remembering your BSB and account number. If you need to pay someone, just ask if they have PayID to transfer money fast.
To make a payment to a PayID, in Internet Banking, simply enter the recipient’s registered Pay ID.
Internet Banking:
Mobile Banking:
To transfer a PayID that you created with another financial institution to Auswide Bank, you will need to contact the institution that your current PayID is registered with and advise that you wish to transfer your PayID to Auswide Bank.
You can update an existing PayID to be “transferable” which makes the PayID available for transferring to another financial institution.
When a PayID is made transferable, funds will continue to be received into the linked account until the PayID is transferred to another financial institution or the transfer is cancelled.
Once a PayID is made transferable, you will need to create the PayID at another financial institution. Once this is done, the PayID will be removed from the Manage PayID list.
Internet Banking:
Mobile Banking:
When you are logged into Internet Banking and enter the details to 'Pay Someone', if Osko or PayID is available you will have the option to use this service.
Your PayID is a unique identifier which can only be linked to one bank account.
No, Osko and PayID payments are only available for AUD transactions in Australia.
Fast, real-time Osko payments can only be made to eligible personal, business or corporate accounts at participating Australian bank or financial institutions. Overseas and off shore bank accounts are not supported.
If another financial institution cannot accept faster payments using Osko, the payment will be sent through the standard transaction process.
In Auswide Bank Mobile App:
In Auswide Bank Internet Banking:
If you've been making additional repayments on your home loan above your minimum required repayment amount, Auswide Bank may allow you to redraw your advance payments~, and unlike many lenders, even on fixed rate home loans.
This simply means you have access to your 'advance balance' if you need it for unexpected bills or purchases, for home improvements, or to take advantage of an investment opportunity^.
~ The redraw facility is at Auswide Bank discretion and is subject to the terms and conditions of your loan and Auswide Bank credit criteria. Redraw is not available on all home loans. Advance payments made during any construction or progressive drawn down period will not be available to be redrawn at any time.
^ The most you can redraw ('redraw available') is the amount paid in advance on your loan ('advance status') minus one month's minimum loan repayment ('monthly repayment')
You redraw balance will display on the loan account as an available balance. You can check this in Internet Banking or the Mobile app.
Auswide Bank home loan redraw is available online via internet banking or on application at a branch or by completing the Redraw of Advance Funds form*.
When making a redraw request the following payment methods+ are available:
Payment by bank cheque is also available when making a redraw request in writing or at a branch.
NOTE:
* A redraw fee may apply to redraws performed at branches or upon written request.
+ Depending on the access method you choose to receive redraw funds, other fees & charges may apply
Topping up your home loan can be made by contacting an Auswide Bank lending consultant, calling us on 1300 138 831 or submitting an enquiry via our contact page.
An offset account is a transaction account that is linked to your home loan*. You can deposit and withdraw money from this account, just like a regular everyday account.
The balance in your mortgage offset account is offset against the amount owing on your linked home loan.
For example, if you have a home loan of $400,000 and $20,000 in your offset account, you’ll only be charged interest on a loan balance of $380,000 ($400,000 - $20,000).
A mortgage offset account means you could potentially save thousands of dollars on interest repayments, taking years off your home loan.
For full fees & charges, please review our Guide to Mortgage Offset Account.
* Mortgage Offset must be opened in at least one of the same names as the borrower’s loan account.
You can pay your loan weekly, fortnightly or monthly. Just make sure you have paid the full amount by your monthly due date. If you’re paying weekly for example, you will need to make four weekly payments by the monthly due date (monthly payment divided by four) or two payments if paying fortnightly (monthly payment divided by two).
Failure to make your loan payment in full by the due date will normally result in a Default Administration Fee (shown as Default Admin Fee on statements) and could harm your credit rating. These fees are detailed in your loan contract.
Please get in touch with us on 1300 138 831 if you need help setting up your loan repayment. If you are experiencing difficulties making a loan repayment please phone us on 1300 077 969 or email payments@auswidebank.com.au.
Periodic payments are amounts paid at regular intervals such as weekly or fortnightly. You can set-up repayments so they automatically adjust to your minimum monthly payment. This means when interest rates decrease or increase your payments change to reflect the new interest rate. To arrange this feature, send us a secure email via Internet Banking or contact us.
Communicating early is really important and so if you are experiencing financial difficulty, for example due to illness or unemployment, please let us know as soon as possible by contacting one of our Loan Payment Consultants on 1300 077 969 during business hours or via email on payments@auswidebank.com.au.
The Loan Payment Consultant will work with you to try and achieve a solution that benefits all parties.
For some helpful information check out Managing Debt at moneysmart.gov.au.
BPAY is a bill payment service that lets you easily manage and pay your bills in branch, at participating Australia Post offices, through your internet banking, the Auswide Bank mobile app and phone banking.
BPAY® is a secure way to pay your bills, just look for the BPAY logo on your bill, login to your internet banking, mobile app or call 1300 137 735 if you are registered for phone banking. Select BPAY as your payment method and follow the prompts by entering the Biller code and Customer Reference Number (CRN), listed on the bill.
Internet Banking:
Note: To save you time, you can also add new Billers when making BPAY Payments.
Mobile Banking:
Disclaimer
This information is a summary of features & benefits only - full details, including any applicable fees & charges, are available in the relevant terms and conditions.
® Registered to BPAY Pty Ltd (ABN 69 079 137 518).
* BPAY is not available on all Auswide Bank accounts.
Where a near real-time payment through Osko is not available, you can still make a same day payment through a Real Time Gross Settlement payment (RTGS).
RTGS is a payment where the transfer is made in real time from one Australian bank to another, with a fee usually incurred by the person initiating the transfer.
Please note, the required number of account Signatories are to sign.
To transfer funds to an overseas bank account or to transfer funds from an overseas bank account to your Auswide Bank account, you should arrange a Telegraphic Transfer.
Disclaimer
This information is a summary of features & benefits only - full details, including any applicable fees & charges, are available in the relevant terms and conditions.
*Funds will be transferred same day if received before daily cut off times - details on application.
Once funds are transferred, they are normally received by the recipient bank within 2 hours however we cannot guarantee how long an individual bank will take to credit their customer account. Fees and charges apply.
Whether you’re transferring money overseas or you have friends or family that want to send you money from abroad, it’s easy with a Telegraphic Transfer. It's a fast and secure way to make international payments almost anywhere in the world.
If you wish to receive regular or one-off foreign currency payments to your Auswide Bank account, an inward Telegraphic Transfer may be the ideal solution.
An inward Telegraphic Transfer, also known as an ‘inward wire’ is an electronic transfer of funds from the overseas sender (made out in their own currency), which are converted into Australian dollars and credited to your account.
It's an easy way to receive your payment and more than likely at a lower cost. The benefits of an inward Telegraphic Transfer include:
Complete our online inward Telegraphic Transfer request to receive money from overseas.
Choose the country you are receiving funds from.
Complete the relevant information in the online form and submit.
You will then be presented with deposit instructions in a PDF file. Please save it for your reference, and email it to the person or business sending the funds to you.
Ask the sender to:
When you’re sending money overseas it’s easy with a Telegraphic Transfer. It's a fast and secure way to make international payments almost anywhere in the world.
The benefits of an outward Telegraphic Transfer include:
To request an outward Telegraphic Transfer, simply visit a branch or login to Internet Banking to complete an outward Telegraphic Transfer request. You will need to provide your residential address and the residential address for the receiver, as well as details of the account that the funds will be transferred to. This includes:
Beneficiary Bank Full Name
Beneficiary Bank Full Address
Account Number
Beneficiary's Full Name
Beneficiary's Residential Address
Purpose (Reference)
You may also need to provide some additional information when sending a Telegraphic Transfer to the following countries:
Europe: International Bank Account number (IBAN) – the IBAN incorporates the bank, sort code and account number
United Kingdom: IBAN
New Zealand: Bank code
Malaysia: National ID number or Company number
USA: ABA or routing code
Please note:
In processing a Telegraphic Transfer, we only rely on the bank account number and beneficiary bank details you provide. We do not rely on the bank account name.
It is a requirement under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 that identification is collected when sending a Telegraphic Transfer. If you are not an existing Auswide Bank client who has been previously identified, it will be necessary to produce acceptable forms of identification.
Funds cannot be transferred directly to an overseas credit card account. You may be able to arrange to pay a credit card bill if you send the funds to the suspense account of the overseas bank's card division.
Telegraphic Transfers are not available to the following countries: Afghanistan, Angola, Cuba, India, Iran, Libya, Myanmar (Burma), Nauru, North Korea, Seychelles, Sudan, Syria, Russia.
Telegraphic transfers are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees, and payment delays, are out of our control.
We can arrange a trace for outward Telegraphic Transfers, but only after 5 working days have elapsed from the date the order was placed. There is no fee for conducting a trace, unless the funds were credited to the overseas beneficiary account prior to the trace being requested (in which case a fee will apply).
If you wish to cancel an outward Telegraphic Transfer after placing an order, the transaction will be reversed using the prevailing ‘buy’ exchange rate (rather than the original ‘sell’ exchange rate) and so you may incur a loss depending on exchange rate movements.
To arrange a trace or to cancel an outward Telegraphic Transfer you have ordered through Auswide Bank please contact us.
Disclaimer
Auswide Bank Ltd has entered into contractual arrangements with Convera Australia Pty Ltd (ACN 150 129 749; AFSL 404092) (“Convera”), to assist it in fulfilling certain foreign exchange and payment services, including telegraphic transfers. The relationship relating to the services described is solely between you and Auswide Bank Ltd. Fees and charges may apply, please refer to the terms and conditions issued by Auswide Bank Ltd. Any advice provided by Auswide Bank Ltd is general in nature and does not take into account your personal objectives, financial situation or needs. Convera does not give you any advice, general, personal or otherwise. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication.
You can add any Auswide Bank cards, including:
For a list of devices Apple Pay is compatible with, please visit here. iPhone, iPad and Mac devices will need either Touch ID or Face ID in order to use Apple Pay.
If your compatible device is lost or stolen:
iPhone:
If your iPhone has Find My iPhone turned on, you can suspend or permanently remove Apple Pay capability from the device. You can also remotely log into the Apple ID to remove all cards from Apple Pay.
Apple Watch:
You can remotely log into the Apple ID and remove all cards from Apple Pay.
If I’m still having trouble?
If your iPhone doesn’t have Find My Phone or you’re still concerned, please call us on 1300 138 831 or call the lost or stolen card hotline on 1300 135 538.
The same daily transaction limits from your card apply when using Apple Pay.
Purchases over $100 may not require you to enter a PIN at supported merchants, as your purchase has already been authenticated through Face ID or Touch ID.
No, unfortunately we currently only have Visa Debit and Credit Transactions enabled with Apple Pay. EFTPOS transactions, such as Savings or Cheque transactions, may become available at a later stage.
You can add any Auswide Bank issued cards, including:
To use Google Pay, your device must be running on Android 5.0 (Lollipop) or higher, and support near-field communication (NFC) and host card emulation (HCE) technology. NFC and HCE are both required for Google Pay to work for in store transactions. Check the Google Pay Help Centre for more information as Google may from time to time make changes to the operating system and device requirements.
To check if your phone can make contactless payments with Google Pay, see here.
If you have a Google Wear OS Wearable, you may also be able to use Google Pay with your Wearable. For more information on Google Wear OS, please visit wearos.google.com.
If your phone is ever lost or stolen, you can lock and erase it with Find My Device.
If you’re still concerned, please call us on 1300 138 831 or call the lost or stolen card hotline 1300 135 538.
The same daily transaction limits from your card apply when using Google Pay.
Purchases over $100 may require you to unlock your phone to complete a contactless payment in store.
No, not at this stage. You will still need your physical card to withdraw cash.
To activate a Visa Debit Card or Low Rate Visa Credit Card:
Internet Banking:
Mobile Banking:
You can change your PIN via the Auswide Bank mobile app or at any Auswide Bank branch or ATM. This feature is not currently available in Internet Banking.
If your card is damaged and you need to arrange for a new one, please contact us.
To lock or cancel a Visa Debit Card or Low Rate Visa Credit Card:
Internet Banking:
Mobile Banking:
To add an additional cardholder to your account, please contact us to complete a Add/Change Signatory Form. The additional cardholder will need to complete an Additional Cardholder form.
To transfer a credit card balance, please contact us with the completed Balance Transfer Form.
We’re here to help.
