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MOBILE BANKING APP

The Mobile Banking & Payments app allows you to complete everyday banking functions on your mobile phone. It also incorporates the latest technology, redi2PAY, that transforms an NFC enabled Android phone running KitKat 4.4 or above into a contactless payment device.

The app will work on Android devices (version 3.0 Honeycomb and above) and iOS devices (iOS 7 and above). The redi2PAY functionality will only work on an Android phone with Near Field Communication (NFC) capability that runs on KitKat 4.4 or above.

The app is free to download at the Google Play or Apple App Store. The app does use a small amount of data, so data usage charges may apply from your mobile network provider.

The app allows you to complete your everyday essential banking functions on your mobile phone. You can view your accounts and check account balances; transfer funds between your own accounts, utilise Pay Anyone functionality and pay bills via BPAY®, including setting up new billers. The app also has a rediATM and branch locator, as well as card functions that allow you to change the PIN on any of your cards, or report them lost or stolen.

If you have an NFC-enabled Android phone running KitKat 4.4 or above you can use the redi2PAY functionality and turn your phone into a contactless payment device. See Tap and Pay for more information.

 

® Registered to BPAY Pty Ltd ABN 69 079 137 518

You can download the app from the Google Play or Apple App Store.

You will need to be registered for Online Banking before being able to use the app. You will need to know your Member Number as well as your Online Banking access code. If you have not registered for Online Banking, contact us on 1300 13 23 28.

When you first log into the app you will be asked for your Online Banking username, access code and mobile phone number. You will then be asked to create a pass code. Your pass code must be a minimum of 4 digits long. Once you’ve entered these details and created the pass code, the app will be ready to use.

Your pass code is chosen by you when you register the app and gain entry to access its secure features for the first time. Your card PIN is the PIN for your card. For your security, we recommend that you choose a pass code that’s different to your PIN. And like your PIN, you should keep your pass code confidential.  For more information about the steps we recommend you take to protect your pass code, see ‘What can I do to protect my pass code?’

The app will need an internet connection to register, retrieve your latest balances and transaction details and perform payment and card functions. You can do a limited number of redi2PAY transactions without an internet connection before you will be prompted to establish an internet connection.

The app requires a pass code to access account details. If you lose your phone you should contact Australian Military Bank as soon as possible. We will deregister the phone remotely for you.

You will have five (5) attempts to enter the correct pass code when accessing the app. After five (5) unsuccessful attempts your app will go into a deregistered state. You will need to re-register the app using your Online Banking username and access code, and set a pass code as per the normal registration process.

If you cannot remember your pass code, you will need to deregister the app and then re-register.
You can deregister the app by entering your pass code incorrectly five (5) times. You can also call us on 1300 13 23 28 and we will help you deregister over the phone. 

You will need to re-register the app using your Online Banking username and access code, and set a pass code as per the normal registration process.

You should always:

  • Memorise your pass code as soon as possible;
  • Use a number that is not obvious or can't be easily guessed. Don't use your date of birth or driver's licence number;
  • Take precautions when using the Mobile Banking & Payments app - don’t let anyone watch you enter your pass code.

You should never:

  • Tell or let anyone find out your pass code - not even family or friends;
  • Record a pass code on your device or computer;
  • Keep a record of the pass code with your device.

 

As with all personal belongings, take extra care to keep your phone secure and safe. There are a few things that you can do:

  • Use a strong screen lock or PIN that cannot be easily guessed;
  • Keep your device locked when you’re not using it; and
  • Ensure your phone is registered with your phone network provider.

 

Yes. You can register the app on up to two (2) devices at any one time, including a combination of both Android and iOS devices. If you attempt to register on a third device, the last used app on a device will go into a deregistered state, enabling registration on the new device.

Contact us on 1300 13 23 28 straight away and we’ll deregister your card for you. Please let us know as soon as possible if you notice any fraudulent transactions.

You can report a card lost or stolen by selecting the ‘Cards’ option from the ‘Accounts’ screen, and then selecting ‘Report Lost or Stolen Card’. You will then need to confirm whether the card is Lost or Stolen and finally select ‘OK’ to confirm the action. This will cause all transactions attempted on the card to be declined, including any recurring payments, balance updates and transfers performed via the app. You will need to contact us on 1300 13 23 28 to organise a replacement card.

You can change your PIN using the app by selecting the ‘Cards’ option from the ‘Accounts’ screen, and then selecting ‘Change PIN’. You will need to enter your current PIN, enter a new PIN, confirm this new PIN and then select ‘Update’. The change of PIN is effective immediately.

No, in order to change your card’s PIN via the app you need to know your current PIN. If you don’t know your PIN contact us 1300 13 23 28.

Yes. You can access all payments functions by choosing the ‘Payments’ option from the ‘Accounts’ screen. To pay a bill select the BPAY option. Choose the ‘Select or Create Biller’ option to select an existing biller from your ‘Biller Address Book’. Enter the amount you wish to pay and an optional description, and then select ‘Make Payment’. The payment will then be verified and a receipt issued if the payment is complete. You can set up and save a new biller using the app by selecting the ‘Add Biller’ option from the BPAY screen.

 **Important Note** The app does not have the SMS Security Code feature that applies to Australian Military Bank’s Online Banking. This means that you will be able to set up and make mobile payments to new billers or payees without the protection of a security code to complete the transaction. For more information about the steps we recommend you take to protect your pass code, see ‘What can I do to protect my pass code?’ 

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Yes. You can access all payments functions by choosing the ‘Payments’ option from the ‘Accounts’ screen. 

Currently only transfers to domestic (Australian) accounts are supported. To make payments to other accounts within Australia, select the ‘Pay Anyone’ option. Choose the ‘Select or Create Biller’ option to select an existing biller or create a new one. Enter the amount you wish to pay and an optional description, and then select ‘Make Payment’. The payment will then be verified with a ‘Payment Complete’ pop up. 

To make transfers between your own accounts with Australian Military Bank select the ‘Transfer’ option. Choose the ‘Transfer from account’ and the ‘Transfer to account’. Enter the amount you wish to transfer and an optional description, and then select ‘Make Transfer’. The transfer will then be verified with a ‘Transfer Complete’ pop up.

You can make a payment to a new account by selecting the ‘Add Payee’ option from the ‘Pay Anyone’ screen. **Important Note** The app does not have the SMS Security Code feature that applies to Australian Military Bank’s Online Banking.  This means that you will be able to set up and make mobile payments to new billers or payees without the protection of a security code to complete the transaction.  For more information about the steps we recommend you take to protect your pass code, see ‘What can I do to protect my pass code?’ 

Yes, simply select payments, transfer funds and transfer from the loan account you wish to redraw.

You will need to amend existing recurring payments via Online Banking or by contacting us on 1300 13 23 28.

The same limits that are in operation for Online Banking apply to transfers made with the Mobile app.

If you've made any transactions on Australian Military Bank’s Online Banking (including direct debits) or withdrawn money from an ATM, the updated balance may not show straight away.

To ensure you're looking at your most up to date balance, you can close the app (so it's not running in the background) and then reopen it. This will trigger a balance update.
The balance will also update whenever a payment is made using the app.

Tap and Pay is a secure, contactless payment method enabled on Android devices running KitKat 4.4 or later. 
If you have an Android phone enabled with KitKat 4.4 or above, you can use the Tap and Pay option on the app to pay for in-store purchases less than $100. 

 

An antenna in your Android phone, known as Near Field Communication (NFC), securely transmits payment instructions to and from any contactless card terminal with the Visa payWave logo.

Yes, Australian Military Bank’s mobile app uses the latest encryption and cryptography technology to keep your transactions secure. And everything needed to verify a transaction is received from a secure cloud which your phone connects to via the internet.

And with Tap and Pay, you’re still covered against fraudulent transactions just like any other Visa payWave transaction. See ‘Am I still covered against fraudulent transactions when I use Tap and Pay?’.

The app will store your card number/s and expiry date on your phone. However the card number is masked (the full number is not stored), and both the card number and expiry date are encrypted. The app won’t store your PIN or CVV2 number on your phone.

Yes. To turn the Tap and Pay functionality on and off, you can push the payWave button at the bottom of the Tap and Pay screen on the app. 

Yes, when using Tap and Pay you’ll be covered by Visa’s Zero Liability policy. That means that you won’t have to bear any liability for unauthorised transactions.  This is dependent on certain conditions being met, including that you do not delay in notifying us and there is no evidence of cardholder negligence, fraud or collusion.  For more details, see our Terms and Conditions brochure. 

Please note Visa’s Zero Liability policy does not apply to ATM or eftpos transactions.  

You should contact us promptly on 1300 13 23 28 if you notice any unauthorised transactions on your Australian Military Bank card. 

The Australian Military Bank mobile app uses technology that’s available in Android phones that run on KitKat 4.4 and above. We’ll update the app whenever new versions of the Android operating system are released. However, the app will not work on any operating systems earlier than KitKat 4.4.

The Australian Military Bank mobile app uses Near Field Communication (NFC) technology, available in most Android phones, to make contactless payments. NFC however, is not currently available supported by Apple iOS devices in Australia. 

We know many of our customers are Apple iPhone users, and we will look to support this technology on iOS devices when it becomes available.

It’s just the same as you do now with your existing Australian Military Bank Visa payWave card. You simply tap your phone against the contactless point of sale terminal when prompted. Your device will need to be unlocked to use this feature. 

The Australian Military Bank mobile app will work on any Near Field Communication (NFC) Android phone that runs on KitKat 4.4 or later. 

Unfortunately, it will not work on any operating systems earlier than KitKat 4.4.

If you’ve got the right operating system, and the app still won’t work, please call us on 1300 13 23 28.

Any card that is payWave enabled and connected to your account/s can be used for Tap & Pay.

No. All accounts associated with your Australian Military Bank membership will be displayed in the app. All cards that are payWave enabled will be available in the Tap and Pay section. However, Tap and Pay can be disabled/enabled on any card at anytime.

Yes, you can use the app. However, for purchases greater than $100 you’ll also need to enter your PIN at the point of sale terminal. It’s the same as using your Visa payWave card.

Yes, the app can be used wherever Visa payWave is accepted.

However, the app will need to use the internet to connect to our systems at Australian Military Bank. You may want to talk to your network provider about international data roaming costs before using the app overseas.

The Australian Military Bank mobile app is an extension of your existing Australian Military Bank Visa payWave card. Any account or transaction limits will still apply regardless of whether you use your phone to pay, or your Visa payWave card.

The app uses information held in a secure cloud and so at times you will need to establish an internet connection. But we’ve made sure you’ll be able to make a limited number of transactions in areas of poor or no internet connection before you will be prompted to reconnect to the internet.

We’ve made sure you’ll be able to do a limited number of payWave transactions without an internet connection before you will be prompted to establish an internet connection.

The app is available for use now wherever Visa payWave is accepted. Once you have downloaded the app and registered your details you can start to tap and pay with your phone straight away.

Yes, you have the option to use your phone, or your existing Australian Military Bank Visa payWave card.

No, you don’t need to make any selection. Your transactions are automatically processed under the credit option, just like when you use payWave with your Visa Debit card.

The transaction is confirmed when the four green indicator lights on the payment terminal light up. You will see a message displayed on your phone screen confirming your transaction has been successful. You can also see the purchase amount displayed within the app on your phone.

No. To make a payment via Tap and Pay, the point of sale terminal needs to be asking for a payment in order for the transaction to work. So just walking by a terminal will not activate a payment.

You also have an added level of security because you can choose to turn Tap and Pay on and off on your phone.

We are aware that there is currently delay on internal transfers through the mobile banking app and the mobile banking website.

The solution to ensuring the money is received instantly is simple. Just put the account code on the end of the account number  e.g. ‘730000S1’. The technology will recognise this as an internal transfer and the payment will be made instantly.

Presently SMS security codes are not supported in the mobile app however, we are currently investigating a solution. 

Your fingerprint is stored on your phone (as part of the user settings), and when you use your fingerprint to sign into the Australian Military Bank app, we rely on your phone to authenticate your fingerprint.

Once Fingerprint login is activated, any fingerprint which is stored on the phone can then be used to sign into the Australian Military Bank app. You should not use Fingerprint Login if you wish to retain other people’s fingerprints on your phone.

Yes, once Fingerprint login has been activated, any fingerprint which is stored on the phone can then be used to sign into the app.

Yes, as per the operating system requirements, you will be required to have a screen lock security option, such as password / passcode / fingerprint enabled on your phone before you can set up Fingerprint login within the app.

No, not without your sign in details. You should call 1300 13 23 28 in the event your phone is lost or stolen so we can deregister your phone. 

No, you can continue to choose your preferred sign in method – passcode or fingerprint.

To remove fingerprint from the app, select:
Menu > Preferences > Fingerprint Login
Ensure the toggle “Enable Fingerprint login” is red

To remove fingerprint from your iPhone, select:
Settings Menu (on the phone) > Touch ID & Passcode > Set up Fingerprint
Then select the fingerprint you want to delete. This will automatically remove the fingerprint from the Australian Military Bank app. 

From the app, select:
Menu > Preferences > Show / Hide / Reorder Accounts

And, follow the steps below:
Step 1: Select an account to reorder
Step 2: Use the arrows to move the account up or down

From the app, select:
Menu > Preferences > Show / Hide / Reorder Accounts

And, follow the steps below:
Step 1: Select an account to show or hide
Step 2: Use the toggles on the right to hide or show the account (red means account will be hidden from the home screen view, green and the account will show) 

When you show or hide an account, the account will also be visible or hidden in the Payments section of the app. If you want to an account to show in this section, then you need to enable the account in Show / Hide / Reorder Accounts. A green toggle indicates the account is visible.

From the app, select:
Menu > Preferences > Overseas Notifications

You can then enter your travel dates (both departure and return dates), the countries your travelling to and your contact details – either mobile number or email address.

From the app, select:
Menu > Feedback Form

The Feedback Form gives you an opportunity to rate the app and provide comments on how we can make the app better.

When you submit the Feedback Form using your own email address, your email address will not be stored within our database and will be deleted as soon as we receive it. 

The email address will appear as a pop-up box when you tap “Submit” in the form.

Our app is available on a wide range of Android smartphones and iPhones.

While we support many devices, experiences and performances may vary. Certain features like Tap & Pay or PIN change are not available on jailbroken or rooted devices. You will also be unable to transfer to new payees or billers. 

Remember to keep your mobile banking app up to date to access the full range of features and the latest enhancements, including stability improvements.

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