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Frequently asked questions

Top Internet Banking FAQs

  • Visit our How to register/activate page for more information. 

  • If you're receiving a deposit into your Bank of Melbourne account from an overseas account by telegraphic transfer, your payer may be asked to enter the Bank of Melbourne SWIFT code/SWIFT BIC Address, which is: SGBLAU2S.

    If you are receiving money from a US Bank, your payer may be asked to enter the Routing Number, which is: 021 000 021.

    Your payer may also be asked for the address for international payments which is your branch address.

    You will also have to provide your 13 digit account number. This is the last 3 digits in your BSB & your Account No. which is available on your account statements or internet banking.

    For fees and charges information kindly refer to the “For Inward telegraphic transfer (plus overseas bank charges)” section.

  • You can reset your Security Number or Password online. Simply click the related link on the Internet Banking logon screen and follow the prompts. It's quick, easy and secure.

  • BSB is an acronym for Bank State Branch number. This six-digit number represents your bank and the branch where your account is held. You will need this number when setting up automatic payments such as periodical payments or direct debits between Bank of Melbourne and another party.

    You can find the BSB on the top right hand side of your account statement or in the "Account Information" section, next to the Account Number listing when you log onto Internet Banking. If you have a chequebook with your account, your account BSB is also printed on each cheque, in between the cheque number and the account number.

  • 1. Select the Account on ‘Accounts’
    2. Select ‘Dispute Transactions’ and follow the prompts


    1. Select the Account on ‘Accounts’
    2. Select the transaction and then ‘Dispute Transactions’


    1. Select ‘Services’ then ‘My Cards’
    2. Select the Account and then ‘Dispute a Credit Card Transaction’

Top Mobile Banking FAQs

  • iPhone users can download the latest app from the App Store.

    Android users can download the latest app from Google Play.

  • First time user, will be asked to:

    • Sign in with Customer ID and Password and choose ‘Set up simple sign in’
    • A new screen will appear which will prompt you to either:
      • ‘Create new 4 digit Passcode’
      • ‘Use Fingerprint’, or
      • ‘Use password only’
    • You will need to select an option and follow the screen prompts to complete the sign in options (You must have fingerprint capability and a registered fingerprint. If you have anyone else’s fingerprint stored on your device, you should delete anyone else's stored fingerprint before setting up fingerprint sign in).
    • You can then sign in using your fingerprint

    A condition of use is that only your fingerprint is stored on the device.

  • Pay to Mobile is a new way to make a payment to another person using Mobile Banking on your Smartphone. It's a fast, secure and convenient way to halve a restaurant bill, or to pay money to friends on the go. All you need is the mobile phone number of the person you are paying and for them to have an Australian bank account to retrieve the funds – the rest is easy.

  • Just download the Mobile Banking app from the App Store or Google Play. Then login to the Mobile Banking app using your Internet Banking credentials and you will see the 'Cash' icon at the bottom of the screen. Cardless Cash can also be accessed via the 'Services' menu.

  • Yes. You are able to open a range of accounts or apply for products, all from within the mobile app. Under your list of accounts, there is ‘open an account’, tap to find the account most suitable.

Top Business Banking Online FAQs

  • An authentication device is a personal authentication device issued to a user to assist in validating transactions or changes (including administrative) that require authority in Business Banking Online. Each authentication device will have its own operating requirements. This functionality allows another level of security for Business Banking Online, ensuring that only users who are authorised to do so can complete transactions on the system.

    Transactions cannot be submitted to us for processing without being authorised by a authentication device.

    • The Company Administrator will need to login as an administrator.
    • Once logged in, select 'Maintain user' from the menu list on the left hand side.
    • Select the option 'New' from the User List and click on 'Add'.
    • On the User 'Maintenance' window, type in all the new user's information on the blank fields provided.
      Note: For identification purposes, please provide a preferred question and answer (e.g. car rego or child's name).
    • Click on 'Save New User' to continue.
    • The new user details will then appear on the top left hand side (i.e. User ID, Password) that needs to be given to the new user.
    • Select 'Activate User' to activate the new User ID and Password provided by the system.
    • Select Work In Progress from the Payments menu.
    • Click on the row or rows for the transaction you wish to submit.
      Note: To select more than one row, hold down the Ctrl (Control) key on your keyboard and click on multiple rows.
    • Click Submit to continue.
    • Check the details of the transaction(s) you are submitting and click Submit.
    • Once confirmed, a receipt will be shown. This can be printed by clicking on the Print button or copied to the Windows Clipboard by clicking the copy button.
      Note: This receipt can also be viewed during this session in your Receipts view in Business Banking Online.
    • Your transaction has now been successfully submitted to Bank of Melbourne.
  • Main Role

    • The Company Administrator will need to login as an administrator.
    • Once logged in, select 'Maintain user' from the menu list on the left hand side.
    • Select 'Modify' from the User List to the user that requires a change of role.
    • On the 'Company User Maintenance' window, select 'Edit User' (located on the bottom left) to continue.
    • From the 'User Maintenance' window look for the 'User Role' field and select the appropriate role from the drop down list (i.e. AdminAuthorise, AdminOnly, Authorise, Create, View).
      Note: Click here for more information on roles.
    • Click on 'Update User' to continue.

    Access/Sub Role

    • The Company Administrator will need to login as an administrator.
    • Once logged in, select 'Maintain user' from the menu list on the left hand side.
    • Select 'Modify' from the User List to the user that requires a change of access.
    • On the 'Company User Maintenance' window, select 'Access' (located on the bottom right) to continue.
    • From the 'User Access List' window select 'Add' to continue.
    • Select the account from the account list and from 'Role Name' drop down list select an appropriate access to be added for a particular account (i.e. Authorise, Create, No Access, Payroll, View).
      Note: Use the 'Add' option if the account being modified is not part of the account list.
    • Click on 'Save New Access' to update the changes.
  • If you are a new customer, you will need to fill in the FCA account number with your other accounts on the Business Banking Online Application form.

    If you are an existing BBO customer, you will need to complete a new application form to amend your existing arrangement and add the FCA.

Top Business Banking Mobile FAQs

  • No, if you are registered for BBO and your access is current, you can log on to Business Banking Mobile using your existing BBO user id and password. To perform transactions on Business Banking Mobile, the company administrator must register the user for mobile transactions via BBO Admin.

  • Yes, you can now authorise payments via Business Banking Mobile.

  • The token has a permanent serial number displayed on the back of the token. It also generates a dynamic token number that appears on the front of the token. The number changes every 60 seconds. You must enter the token password and the token number to authorise payments.

    If you enter an incorrect token number or password, you will need to wait for the next token number to be generated. Enter the new token number and your token password. If you continue to experience issues authorising payments, please call us on 1300 554 004 for help.

  • Yes, you can change your token password in Business Banking Online.  Within the ‘Customise’ tab, select ‘Token Maintenance’ and then select ‘Change password’. Enter your current token password followed by your new token password which must contain at least 1 letter and 1 number. Then enter the 6 digit token number that appears on the front of your token and select ‘Confirm’.

  • There are no extra charges for accessing Business Banking Mobile. However, you will need to check with your Phone/ISP for any charges they may apply for any data downloads on Business Banking Mobile.