Mobile Banking App Terms of Use

Mobile Banking App Terms of Use

Mobile Banking App Terms of Use

Important Messages: These Terms of Use, together with our Terms and Conditions brochure and Fees and Charges Schedule, govern your use of the Mobile Banking App.  

The Australian Military Bank mobile banking 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 payees and billers without the protection of a security code to complete the transaction.  Please ensure that you read sections 5.3 to 5.5 below on how to protect your Mobile Banking App Passcode and other things you must do or must never do.   

Please also ensure that you read about your liability for unauthorised transactions on the Australian Military Bank mobile banking app in clause 1 of Part E (EFT Services) of our Terms and Conditions brochure. 

  1. Getting Started

You will need to be registered with Online Banking before being able to use the Mobile Banking App. You will be required to have a member number as well as a password. If you have not registered with Online Banking, contact us on 1300 13 23 28.

  1. Introducing the Mobile Banking App

With the Mobile Banking App, you can pay your bills using BPAY® and make payments to others using their Australian BSB and account number, check your account balance(s), transaction history, and transfer money between your Australian Military Bank accounts. 

You must only use the Mobile Banking App with a compatible iPhone or Android device. You can install and register the Mobile Banking App onto a single device but not on multiple devices.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

  1.  Making payments

3.1. Making Payments using a BSB and account number 

Payments will be processed by BSB and account number only, without using an account name. Some institutions with unique account numbers may disregard the BSB number. Please take care to enter the correct BSB and account number as you may not be able to recover a payment if it is credited to a mistaken account eg. if there are no funds in the account.

3.2 Making Payments using BPAY

Payments will be processed by using a valid Biller Code and Customer Reference Number. Although the Mobile Banking App performs checks for a valid Biller Code, it is your responsibility to ensure all details are entered correctly as you may not be able to recover a payment if it is credited to the wrong Biller or to an incorrect Customer Reference Number.

  1. Use of the Branch Finder

You are able to locate ATMs and branches Australia-wide. Although care has been taken to represent accurate information and hours of operation for Australian Military Bank ATMs, out of service ATMs may not be represented on the maps.

  1. General Conditions

5.1. Mobile Banking App Passcode

When you register for the Mobile Banking App, you are required to set up a Mobile Banking App passcode. You can change this passcode at any time, once you have logged into the Mobile Banking App.

5.2. Protecting your Mobile Banking App Passcode

You should always:

  • memorise the passcode as soon as possible - but if you record it, carefully disguise it so that others can't decipher it;
  • use a unique number that is not obvious or can't be easily guessed (eg. don't use your date of birth or driver's licence number); and 
  • take precautions when using the Mobile Banking App (eg. don’t let anyone watch you enter your passcode). 

You must never:

  • tell or let anyone find out your passcode - not even family or friends; 
  • record a passcode on your device or computer; 
  • keep a record of the passcode with your device unless you make a reasonable attempt to protect the security of the passcode.  

A reasonable attempt to protect the security of a passcode record includes making any reasonable attempt to disguise the passcode within the record, or prevent unauthorised access to the passcode record, including by:

  • hiding or disguising the passcode record among other records,
  • hiding or disguising the passcode record in a place where a passcode record would not be expected to be found,
  • keeping a record of the passcode record in a securely locked container, or
  • preventing unauthorised access to an electronically stored record of the passcode record.

This list is not exhaustive.  

5.3. Other things you must do

Lock your mobile phone device and take any reasonable steps to stop unauthorised use of the Mobile Banking App or disclosure of your card details. 

Notify us immediately if your device is lost or stolen or you suspect your Mobile Banking App access passcode or your card details have become known to someone else.

Only install approved applications on your Android device or iPhone and never override the software lockdown (ie. rooted device). 

5.4. Other things you must never do

Don't ever:

  • Allow another person to use your device to make purchases or payments.  
  • Leave your device unattended. 
  • Use the Mobile Banking App with a device other than a compatible iPhone or Android device. 
  1. Other things you should know 

6.1. Using the Mobile Banking App on more than one device

You can only install and register the Mobile Banking App on a single Android or iPhone device.

If you are no longer in possession of your registered device, you can remove that device by registering another device or by calling us on 1300 13 23 28.

You can install and register the Mobile Banking App only on one device at a time with your internet banking login. 
If you are no longer in possession of one or more of your registered devices, you should remove them from your devices list from the 'Settings' menu, or by calling 1300 13 23 28. 
For security reasons, logging on to the Mobile Banking App concurrently with another device(s) will terminate the session of the device that was last logged on.

6.2. Your account balance may include cheques awaiting clearance

When checking your account balance, please note that the amount described as available funds will not include cheques subject to clearance.

6.3. Fees

Any transaction fees and charges that apply to your Australian Military Bank accounts may apply to transactions made using the Mobile Banking App. For more information refer to our Schedule of Fees and Charges or call us on 1300 13 23 28.

You may incur charges from your mobile service provider for downloading and using the Mobile Banking App. You may also be charged fees or charges by merchants for using the facility.

6.4. Using your location data

If you grant the Mobile Banking App permission to use your mobile device location information then you also consent to us logging this location information for security purposes and to enable other Mobile Banking App functionality where location information is required (eg. nearest ATM).

6.5. Suspension or termination

We may suspend or terminate your use of the Mobile Banking App without notice at any time eg. if we suspect unauthorised transactions have occurred or that the Mobile Banking App is being misused.

6.6. Reporting Lost and Stolen Cards

Cancelling your card through the Lost and Stolen process, using the Mobile Banking App, does not mean that you have disputed any unauthorised transactions made on your account. Call us right away if you need to report any unauthorised transactions. 

The report lost or stolen function is reliant on computer and/or telecommunications systems. Disruptions to these systems may result in the report of damaged and lost or stolen functions being unavailable from time to time. 

Whilst we make every attempt to decline transactions once you have completed the lost/stolen process, some transactions may still go through eg. transactions that are not sent to us for authorisation including some contactless payments or transactions processed when there is a system interruption. If you identify any unauthorised transaction you can lodge a dispute with us.

Reporting a card as lost/stolen will cause all transactions against the card to be declined including any recurring payments linked to your Australian Military Bank Visa Debit card and/or your Australian Military Bank Low Rate Visa Credit card.

The cardholder can report their card lost or stolen using the report lost/stolen function, however, the settings will only apply to the card(s) held by that cardholder. 

  1. Disclosures

You agree that we may disclose your details to the recipient of the funds to aid them in identifying the transaction.

7.1. Changes to these Terms 

We may change these Terms at any time without prior notice. We will notify you of any material changes by electronic notice to you via your device, the Google Play or App Store. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the Mobile Banking App.

7.2    Meaning of words

Card details means the card number and expiry date or security/verification code of your Australian Military Bank Visa Debit card and/or your Australian Military Bank Low Rate Visa Credit card linked to the Mobile Banking App.

Australian Military Bank Approved Card means your Australian Military Bank Visa Debit card and/or your Australian Military Bank Low Rate Visa Credit card.  

Your account means any Australian Military Bank account accessible using online banking.

Compatible Android means Android devices that meet the requirements listed in the Google or Apple Store. 

The Mobile Banking App means the Mobile Banking App service described in section 1.

We, us, our or Australian Military Bank means Australian Military Bank Ltd ABN 48 087 649 741.

You or your means the person downloading the Mobile Banking App.

 

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