Your money in your hands
My oh mymo.
As a member owned, member first bank, BCU is always working to enhance your experience – and our new companion app, mymo by BCU, makes it easier than ever for you to navigate your financial future.
mymo by BCU is your personal financial assistant, with all of your accounts across all your financial institutions in one place, and handy features aligned to make your money work for you.
mymo by BCU is built for you – because you should be able to manage your money the way you want to.
Because you want all your accounts in one place
- Securely add your transaction and savings accounts, credit cards, home and personal loans and more from every Australian financial institution into your mymo in just a few clicks, so you can see exactly where your money is going.
- All of your transactions across all of your accounts will be automatically categorised, so you can track your spending at a glance.
- Because it’s your money for you to use your way, you can personalise and update categories however you want to suit your needs and your lifestyle.
Because you want to reach your financial goals faster
- Set up a budget quickly and easily and match it to your pay cycle. We’ll keep an eye on it for you, making sure you stay on track.
- Set budgets by category – whether it’s for business, for pleasure, or any other purpose you choose.
Because you don't like surprises
- Create a bill for any transaction in any account, and set the frequency so you know when to expect it in the future.
- mymo will let you know when bills are coming up and give you a heads-up in advance if there isn’t enough money in your account to cover them, so you can avoid any nasty surprises.
Ready to take control of your money? Download the mymo app today and let us join you on your financial journey.
mymo by BCU is an official BCU app, and is ONLY available from the Google Play Store and Apple Store.
See our detailed user guide to get started.
Before downloading this app, please read the relevant Terms and Conditions in order to decide whether it is right for you.
A tool you can trust
mymo is the latest tool from the trusted team at BCU. It complements and sits alongside our existing suite of digital solutions that our members know and love, including the BCU Bank app.
mymo by BCU is an Open Banking solution developed under the Australian Government’s Consumer Data Right (CDR) scheme. We’re proud to support the Open Banking initiative, which gives you more control over your information and puts your data back in your hands.
BCU has strong partnerships in place to help us deliver the best experience for our members. That’s why we’ve partnered with Frollo, one of Australia’s leading Open Banking providers, to deliver mymo, the ultimate financial empowerment tool.
Information and support
Helpful links
To find out more about Australia’s Consumer Data Right, visit the ACCC website at https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0 or https://www.cdr.gov.au/how-it-works.
Frequently asked questions
mymo by BCU offers BCU customers a new banking app that is just like your very own personal financial assistant, with handy features designed to make your money work for you. Tailored to your needs, mymo safely and securely links all of your accounts across all financial institutions in one place. mymo gives you the full picture of your finances, with personalised insights and reminders to help you take control of your budget and reach your goals faster.
You can find the mymo app in the Google Play Store or Apple Store by searching for BCU or mymo by BCU. Only ever download apps from the official Google Play Store or Apple Store.
BCU customers who are at least 18 years of age and have registered for BCU iBank.
The mymo app is an opt in companion app that will work alongside the current mobile banking app, providing you with financial empowerment benefits, features and functionality. It’s important to note that mymo pulls banking data in from many financial institutions and displays the data only - it has no transactional capability. You will still need to complete all your banking including transfers from within the mobile banking app.
Once verified this allows us to authenticate you and safely and securely integrate your BCU accounts and transaction history directly into your mymo experience. You will only be asked to provide this once on initial registration.
Yes, it is safe to link your other bank accounts from within mymo. Your bank account data is securely stored and managed in line with rules and safeguards of the Consumer Data Right (CDR) legislation. Just the same as your other banking apps.
BCU are an Accredited Data Recipient (ADR) governed by the Australian Competition and Consumer Commission (ACCC). BCU are required to adequately protect your CDR data from misuse, interference, loss, and unauthorised access, modification, or disclosure. You can read more about our obligations in our Consumer Data Right Policy.
You’ll be able to link transaction and savings accounts, credit cards, home and personal loans and superannuation from every Australian Financial Institution into mymo. mymo transforms your transactional data into valuable financial insights that can detect future bills, automatic transaction categorisation and more. mymo will also let you know in advance if there isn’t enough money in your account to cover your up-and-coming bills.
Joint accounts for BCU will show in the mymo app, just as they are shown in Internet Banking. Joint accounts from other financial institutions are also able to be added, however customers will require the joint account holder’s authorisation to share the data with BCU.
- Select All accounts from the mymo dashboard and click on the plus (+) symbol in the top right-hand corner of the app.
- Search for your financial institution and follow the prompts to log in and view your information.
- The Consumer Data Right (CDR) will prompt you to select a consent time period (3 months, 6 months & 12 months), data we need including account balance and transaction details and confirming your final consent with key dates and supporting parties involved.
In mymo by BCU you can create a budget to stay on track with your spending for over 70 categories. Budgets can be aligned to your pay cycle or budget date.
- To add a budget select the My Budgets widget from the mymo dashboard.
- Click Add a Budget.
- You can choose to align your budget to your pay cycle or budget to a different date. To align your budget, select Yes align to pay cycle or No budget to a different date.
- Kick off your budget by selecting the category to budget to. The mymo by BCU app will show the total spend on a number of categories. Select each category to set a budget value. The budget is set to each pay cycle or budget date.
- You can have multiple budgets for different categories. Just follow the instructions above to set up more budgets.
Please note: You can only have one budget date across multiple categories.
To edit a budget, select the budget and tap edit on the right-hand corner. Don’t forget to save the new value.
To remove a budget, tap the edit button and select the rubbish bin to remove.
mymo by BCU allows you to customise your dashboard based on what you feel you will use the most.
- To customise your dashboard, scroll to the bottom of the mymo dashboard and click on Customise Dashboard.
- Click and drag the widgets around to change the order.
- Tap the minus (-) to remove the widget or the plus (+) to add the widget back.
To delete your mymo account follow the steps below.
- The app Settings function can be accessed via the Dashboard. Tap on the cog icon at top right of the screen. When you open the app Settings screen, delete mymo account will be listed under Account Ownership.
- You will need to tap on Delete mymo Account. This will take you to the Delete Account screen where you can delete your mymo account.
- Once you read ‘What happens once you delete your user account’ and tap ‘Delete my account’, the system will immediately delete your account along with the data, you will be immediately taken out of the app.
