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The Internet and Phone Banking Terms and Conditions are changing

A summary of the changes to the Bank of Melbourne Internet and Phone Banking Terms and Conditions and Important Information document is outlined below.  These changes are effective 5 June 2016.

We’re updating these terms and conditions to reflect some new and enhanced Mobile Banking services and features, and we’re also making some other changes to help make things clearer and easier to understand.

Consolidated terms and conditions

We’re incorporating the terms and conditions for Mobile Banking, Pay to Mobile, Cardless Cash and Alerts Services into the Internet and Phone Banking Terms and Conditions and Important Information effective 5 June 2016, enabling our customers to find the terms and conditions for our Internet, Mobile and Phone Banking services in the one place.

Mobile Banking

The terms and conditions for Mobile Banking including Mobile Banking specific services are found in a new Section 3.  

  • Mobile Banking – Pay to Mobile

Pay to Mobile is a Mobile Banking service that allows customers to transfer money from their eligible accounts to a third party using the third party’s Australian mobile phone number.

Pay to Mobile is being enhanced and the terms and conditions will be amended to reflect the changes to the service:

(a)    Payment

(i)       A customer needs to activate Pay to Mobile to make a payment. If a customer makes a Pay to Mobile payment to a mobile phone number activated for the (1) St.George, Bank of Melbourne or BankSA Pay to Mobile service or (2) Westpac Pay to Mobile service, the payment will be processed directly to the recipient’s nominated account.

(ii)      If a customer makes a Pay to Mobile payment to a mobile phone number not activated for Pay to Mobile service (1) or (2) referred to in (a)(i), the recipient will receive a Collection Code via SMS to the mobile phone number provided by the payer. The recipient needs to collect the payment via the collection website by entering the required information. A recipient must claim a Pay to Mobile Payment by midnight Sydney time on the third calendar day following the day the payment was authorised.

(b)     Payment limits

(i)      For payers - An individual payment may not exceed $250, and a maximum daily payment limit of $1,000 up to a maximum of 10 transactions applies.

(ii)      For recipients - A maximum daily limit of $1,000 of payments can be claimed using a Collection Code per day.

Each payment made to or claimed by a recipient is counted towards that recipient’s maximum daily limits.

(c)     Mobile phone number

(i)     Customers are reminded to keep their mobile phone number activated for Pay to Mobile, up to date and if they change or no longer use their number, to contact us to de-activate Pay to Mobile for that number.

(ii)    A mobile phone number used to activate Pay to Mobile (1) or (2) referred to in (a)(i), is unable to be activated for the other Pay to Mobile service.

  • Mobile Banking – Tap & Pay

Tap & Pay is a new Mobile Banking feature allowing customers with an eligible mobile banking device to make contactless transactions by holding that device in front of a contactless terminal. No PIN is required for transactions of under $100 or the limit set by the merchant at the terminal. 

Customers with an eligible mobile banking device will receive a Tap & Pay notification in their Mobile Banking App when they are able to first set up this feature.  As part of the set-up, customers can download any existing eligible St.George, Bank of Melbourne or BankSA debit cards or credit cards.

There is a choice of three payment settings in Tap & Pay. ‘Pay Fast’ is the default setting where the Tap & Pay functionality is always on, even if the mobile banking device is locked or ‘asleep’. Customers can change the default setting at any time to require the Mobile Banking App to be open (‘Open App & Pay’) or logging on to Mobile Banking (‘Open App & Sign In’) before Tap & Pay can be used.

Customers can request to remove a card from Tap & Pay by calling the Internet & Phone Banking Helpdesk 24 hours a day, seven days.

Other changes

We are also updating the terms and conditions to reflect changes to the following services and how we communicate with our customers:

  • Notifications (Section 3)

We may send customers notifications, including Alerts Services, to their mobile banking device, for example, ‘push’, local and broadcast notifications or notifications based on the location of the mobile banking device. 

  • Alerts Services (Section 5)

In addition to SMS and email alerts, customers can choose to have alerts sent to them by another method of transmission like a notification to their mobile banking device.

  • Alerts Services (Section 5) and Fees and Charges Booklet 

The 25 cent SMS Alert Fee charged per SMS sent will no longer be charged.

  • Secure Code Service (Section 2)  

In addition to providing the Secure Code via SMS or landline telephone, we can provide customers with a Secure Code via another method of transmission like a notification to the customer’s mobile banking device, as elected by the customer.

  • General Matters; Communications (Section 7)  

We are clarifying when we may use electronic means to communicate with customers electronically. When we do so we will comply with the provisions of the ePayments Code.

This summary is not a comprehensive statement of all changes and we recommend that you read and consider the amended Terms and Conditions in its entirety.