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Manage your money with the BCU Bank app

BCU Bank app

The BCU Bank app is easy to use, secure and gives your access to all your banking on the go. Simply register for the digital banking access by contacting us on 1300 228 228 or visiting a branch during business hours. You can then download the BCU Bank app from the App Store or Google Play.

Download on the Apple App Store button
Get it on Google Play button

Faster payments

Make payments using Osko or to a PayID to have funds received in minutes.

Instant virtual cards

Lost or stolen card? Replace it immediately with a ready-to-use virtual card.

 

International payments

Make payments to accounts overseas using the BCU Bank app.

Card controls

Activate, lock, cancel or replace your card whenever it suits you.

Manage your day to day banking and more with the BCU Bank app

Everyday banking

  • Transfer money between your accounts or to any bank in Australia
  • Pay with Osko using a PayID for funds to be received within minutes
  • Create, modify or cancel scheduled and recurring payments
  • Pay bills online using BPAY
  • Check your account balances and recent transaction history
  • Register your Apple Watch to check your account balance on the go

All your banking in one place

  • View and manage your eStatements
  • Activate, lock, cancel or replace your card using card controls
  • View your important card details
  • Request transaction limit changes
  • Transfer money overseas
  • Open a new account in minutes
  • Check the minimum amount due on your credit card to stay on top of payments
  • Transact on two to sign accounts with Payment Approvals

Other helpful services

  • Create a PayID using your mobile number or email, to receive payments faster
  • Change or reset your iBank password
  • Set up alerts for credits, direct debits and due payments
  • Customise your home screen shortcuts to make banking on the go easier
  • Personalise your accounts by giving them nicknames
  • Update your contact details

Frequently asked questions

Get started

You can customise the four icons that appear on the app home screen to suit the way you bank and make it quicker and easier to find what you look at the most.

To customise these, go to Menu > Settings > Dashboard Shortcuts.

If your device already has biometric authentication (Android) or Touch or Face ID (iOS) set up, when you first register the BCU Bank app, you’ll automatically be asked if you want to use this to log in.

If your app is already registered, you can set this up by going to Settings > Biometric login (Android) or Settings > Touch ID or Face ID (iOS) and toggling the button to enable it.

To disable, just use that button to turn it off again.

You can set up email notifications (also known as Receipts) for transactions made through the BCU Bank app or BCU IBank

You will need to do this in BCU iBank by going to Settings > Receipts. Select the transactions you want to receive confirmation of via an email, and save your changes. 

Remember to check your email address is correct under Settings > Contact details.

 

 

You will need to be registered to use BCU iBank, and will receive your password.

Once you've downloaded the app, you will be asked to complete the following fields to complete your registration.

  • Member number 
  • Password - as provided to you
  • Device name - This is what you would like to call your device e.g. 'My Phone'
  • App PIN - to log into the app if not using Biometric log in

*Use Touch ID/use fingerprints to log in - If your device has this enabled and a fingerprint saved you can select this to use your fingerprint to login to the app instead of the aforementioned App PIN. 

Please contact us if you need to register for BCU iBank and the BCU Bank app on 13 00 228 228. 

 

 

 

The BCU Bank app has minimum Operating System specifications to maintain the security of your information.

iOS
For iPhone and iPad users, you can download the BCU Bank app from the Apple Store.

  • Your device must be on iOS 11 or later. (The Siri quick balance feature requires you to be on iOS 12 on an iPhone 7 or later).

Android
You can download the BCU Bank app through the Google Play Store. 

  • Your device requires Android 7.0 and up.

If your device does not meet these standards, you do have the alternative to use BCU iBank for banking on the go.

Manage cards

Your minimum credit card repayment and due date will be displayed on your credit card statement and can also be found in the BCU Bank app.

To find it in the BCU Bank app, login and go to Menu > Accounts > Select credit card > Select the ‘…’ icon at the top right of the screen > Account information.

You can replace a lost or stolen card in BCU iBank or the BCU Bank app.

After logging into go to Manage cards and Select the card you wish to report as lost or stolen. Follow the on screen prompts to order a replacement card. 

Alternatively, please call 1300 228 228 or visit your local store and one of our friendly team will be happy to assist.

You can activate a new card in BCU iBank or the BCU Bank app.

Once logged in to BCU iBank go to Services > Manage Cards. If you are using the BCU Bank app, go to Manage cards form the main menu.

•    Select your card 
•    Activate your card as prompted
•    Use Card Controls to allow/block card transaction types as required

Alternatively, please call 1300 228 228 or visit your local store and one of our friendly team will be happy to assist.

To change your card PIN, please log in to BCU iBank and go to Services > Manage Cards or in the BCU Bank app go to Manage Cards.

Select the card you need to change the PIN for and follow the instructions on the screen.

Alternatively, if you have forgotten your existing card PIN, please visit a store and one of our friendly team will be happy to assist.

If you've misplaced your card you can place a temporary lock on your card while you look for it. The temporary lock can be applied in BCU iBank or the BCU Bank app and will restrict all transactions on your card, except for regular recurring withdrawals such as direct debits.

To put a temporary lock on your card, go to Manage Cards > Card Controls.

Alternatively, you can contact us on 1300 228 228 or visit one of our stores for further assistance.

Card Controls allows you to block certain card transaction types and helps you keep your card(s) safe.

Login to BCU iBank or the BCU Bank app and go to Manage Cards > Card Controls.

You can block the following card transactions for both Australian (domestic) and/or international transactions:

  • Tap and go (payWave)
  • In store purchases
  • Online purchases
  • ATM withdrawals

If you don't have access to BCU iBank please contact us on 1300 228 228 or visit one of our stores for assistance. 

Make payments

You can make a payment to the PayID of an intended recipient in BCU iBank or BCU Bank app.

 A PayID can be a phone number, email address or ABN that the recipient has registered on their account.

BCU Bank app
Log in to the BCU Bank app and go to Pay > Pay someone > New payee > PayID and follow the prompts 

BCU iBank
Log in to BCU iBank and go to Transfer/Pay > Pay Someone > Someone new > To PayID and follow the prompts.

PayID payments are paid via Osko, meaning they will arrive faster.

Registering a PayID is easy. You can register a PayID on a mobile phone number or email address through the BCU Bank app or in BCU iBank

BCU Bank app
Go to Pay > Manage PayID and follow the prompts.

BCU iBank
Go to Accounts > Manage PayIDs and follow the prompts

You will need to nominate a mobile phone number or email address that you want to link your account to. You will receive a confirmation SMS or email to complete your registration.

If you want to register an ABN as a PayID, please contact us on 1300 228 228 or visit us in store.

You can transfer money to another BCU membership in BCU iBank or the BCU Bank app.

BCU Bank app

From the main menu go to Pay > Pay Someone. Select or search for an existing payee or select New Payee.

BCU iBank
Go to Transfer/Pay > Pay Someone. Select or search for an existing payee or select Someone new > New Payee > Account.

You will need to enter the BCU BSB 533-000,  the recipients account name and account number. Funds sent to another BCU membership should be received within minutes.

 

 

 

 

You can send money to an external account at any financial institution within Australia.

BCU Bank app

From the main menu go to Pay > Pay Someone. Select or search for an existing payee or select New Payee.

BCU iBank
Go to Transfer/Pay > Pay Someone. Select or search for an existing payee or select Someone new > New Payee > Account.

Enter the account name, BSB and account number of the recipient, and follow the screen prompts. 
 
If the recipient bank is part of the NPP network the funds will sent via Osko and be received within minutes. Otherwise the payment will be sent via direct entry and will be received within 24 to 48 hours.

 

 

You can transfer money to an overseas account via Western Union using either the BCU Bank app or BCU iBank.

Firstly, you'll need to register your account for International transfers. To do this, please call us on 1300 228 228, or message us via Secure Mail.

Once your account is registered, you will need the following information to make the transfer; 

  • Transfer amount and required currency 
  • Purpose of payment
  • Beneficiary details including name and full street address
  • Bank sort code/SWIFT address/chips/routing number
  • Beneficiary account number
  • IBAN (this is mandatory for transfers sent to the United Kingdom or European Union)
  • Bank name
  • Full bank address (full street address is mandatory)
  • Special instructions (if any)

Money sent by electronic transfer may take up to four working days to arrive at the overseas destination (excluding time differences). The exchange rate is calculated at the time of processing. International transfers can also be arranged at your local store.

Manage your accounts

You can download the BCU Bank app to your Apple Watch to view your balances on the go. Once downloaded, you can register your watch through the app by going to Menu > Settings > Apple Watch.

You can personalise the names of your accounts to appear in Internet Banking and the Mobile App. This feature can be helpful for budgeting and keeping track of your finances, especially when you have a lot of accounts.

BCU iBank:
Login to BCU iBank and go to Settings > Account preferences > Select the account you want to customise and enter the preferred nickname.

BCU Bank app:
Login to the BCU Bank app and go to Menu > Accounts > Select the account you want to customise > Select the ‘…’ icon at the top right of the screen > Rename account.

To revert a customised account name simply delete the set preferred account name and it will default back to the original product name.

 

You can easily find out how much interest you have paid or earned in our BCU Bank app or BCU iBank. The amount of interest for the previous and current financial year will be displayed as well as any tax withheld. 

BCU Bank app:
Login to the BCU Bank app and go to Menu > Accounts > Interest.

You can also find the interest on individual accounts by selecting the account you want the information for on the Accounts screen and selecting the ‘i’ info icon.

BCU iBank:
Login to Internet Banking and go to Accounts > Interest details.

You can register for eStatements via either BCU iBank or the BCU Bank app.

BCU Bank app
Once logged in go to Accounts > Manage eStatements. Select the option to register for eStatements and review and accept the terms and conditions.

BCU iBank
Once logged in go to Services > Manage eStatements. Select the option Register for eStatements and review and accept the terms and conditions. 

You can request to increase your online transfer limit increased in either BCU iBank or via the BCU Bank app.

Once logged in, go to Settings > Transaction Limits and request your new limit.

Your request for a limit increase will be processed within four business hours. You'll receive a notification when your limit has been updated.

Please be aware that limit increases are permanent, however you can reduce it anytime following the steps above. Limit decreases are processed immediately.

You can set up BCU Alerts in iBank or the BCU Bank app for your nominated accounts, balances and transactions.

BCU Bank app
Once logged in, go to Settings > Alerts and choose the method  to receive your alerts - SMS. email or push notifications.

Once your settings are saved you can use the toggles to define which alerts you would like to receive.

BCU iBank
Once logged in, go to Services > Alerts > Alert settings to select alert method and scheduling.

Once saved go to Create Alert where you can set up alerts on your accounts, card or membership.

Alerts are free of charge. 

You can update your contact details, including your email address, Australian residential or postal address, in BCU iBank or the BCU Bank app.

BCU Bank app
Select My Details > Update address details and follow the prompts.

BCU iBank
Go to Settings >Contact Details or Address details and follow the prompts.

To change your mobile phone number or an overseas address you will need to visit us in store or call 1300 228 228,