Pay&Save
It's easy to set up Pay&Save
Set up
You’ll need a BCU Access Account linked to your Visa Debit card, as well as an eligible savings account for all that money you’re about to save.
Switch on
Activate Pay&Save using the BCU Bank app or by giving us a call – you’ll be rounding up your savings in no time.
Start saving
Round up your everyday purchases to the nearest $1, $5, or $10, and watch your savings grow every time you spend.
Why round up your purchases?
Pay&Save is like the digital equivalent of tossing your loose change in a piggy bank. It works by rounding up your in-store purchases to the nearest $1, $5, or $10, and every dollar adds up! Because every time you buy something, you save a little bit too.
Let’s say your regular coffee order sets you back $5.50. There’s still 50c left over from that dollar, that you can easily round up and save. Do that every day for a week, and you've got $3.50 saved. Or $175 in a year. And all you’ve had to do is buy your daily coffee!
Now, let's picture a day's spending, but we'll round up to the nearest $5 instead:
| You buy | It costs | Round up | You save |
|---|---|---|---|
| Morning coffee | $5.50 | $10.00 | $4.50 |
| Lunch | $13.00 | $15.00 | $2.00 |
| Fuel | $71.00 | $75.00 | $4.00 |
| A 3pm vending machine pick-me-up | $3.50 | $5.00 | $1.50 |
| Total transferred to your BCU Bank savings account | $12.00 | ||
If you're not quite ready to start rounding up to the nearest $5, consider rounding up to the nearest $1 instead. Even if you only save $2 a day with Pay&Save, that adds up to around $730 a year! Saving money doesn't get any easier than this.
Who should use Pay&Save?
If you’ve never been able to get good savings habits to stick, Pay&Save can help. Or even if you’re already smashing your savings goals, Pay&Save can also push them that little bit further. In short, Pay&Save is for everyone.
It's automatic, convenient, and you might even forget it’s working away in the background (until you see the boost in your savings account, that is). What more could you ask for?
Open a BCU Access Account
Start saving with automatic round-ups today
You know the saying, “there’s no time like the present”? Well, we agree, and we have some good news! Setting up Pay&Save with BCU Bank is a breeze.
What you’ll need:
- A BCU Access Account with a Visa Debit card, and
- a Bonus Saver or iSaver account.
Already a BCU Bank customer? You have good taste.
It’s easy to switch on Pay&Save. You can:
- Log in to the BCU Bank app and select Accounts > Pay&Save, and follow the prompts
- Call us on 1300 228 228
- Chat with us online
- Visit one of our branches
Are you new to the BCU Bank family? We’re glad to have you!
It’s quick and easy to get started – all you have to do is open your account online.
Open a BCU Access AccountYou’ll need to be an Australian resident and at least 18 years of age. It’s easy to open a savings account at the same time, or later in internet banking or the BCU Bank app.
Find out what documents you need to open an account online.
Make sure you choose 'Yes' for both Pay&Save and Visa Debit card access.
Once your account is open and you've registered for digital banking access, you can turn on Pay&Save in the BCU Bank app by selecting Accounts > Pay&Save.
Already a BCU Bank customer? You have good taste.
It’s easy to switch on Pay&Save. You can:
- Log in to the BCU Bank app and select Accounts > Pay&Save, and follow the prompts
- Call us on 1300 228 228
- Chat with us online
- Visit one of our branches
Are you new to the BCU Bank family? We’re glad to have you!
It’s quick and easy to get started – all you have to do is open your account online.
Open a BCU Access AccountYou’ll need to be an Australian resident and at least 18 years of age. It’s easy to open a savings account at the same time, or later in internet banking or the BCU Bank app.
Find out what documents you need to open an account online.
Make sure you choose 'Yes' for both Pay&Save and Visa Debit card access.
Once your account is open and you've registered for digital banking access, you can turn on Pay&Save in the BCU Bank app by selecting Accounts > Pay&Save.
Because we're here to help
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Pay&Save is a feature that rounds up to the nearest dollar value of each purchase debited from the BCU Access Account using the account holder’s Visa Debit card or the information printed on it. Pay&Save will only operate where sufficient funds are held in the BCU Access Account to make the Pay&Save transaction. The round up will only occur if there is an available balance at the end of the day.
The eligible accounts for your savings round ups are the Bonus Saver and iSaver.
You can set up Pay&Save so that your rounded up savings go directly into the account of another BCU Bank customer – for example, a parent can pay from their account, and have the rounded-up amount transferred to their child's savings account.
Pay&Save is not available on two-to-sign accounts.