Terms & Conditions

IMPORTANT NOTICE:

Mobile banking users – if it has been a while since you used mobile banking, our mobile banking services include a Smart Application designed for compatible devices. Using a mobile phone or other mobile device, you can download the BankVic App through your device's online Apple®, Google play® or Windows® store and follow the prompts. You will need to read and accept these terms and conditions to be able to proceed.

These terms and conditions (in addition to the terms and conditions applying to our Online Banking services) apply to Mobile Banking. If these terms and conditions are not clear to you, contact us on 13 63 73 BEFORE registering and/or using the Mobile Banking service.

1. These terms and conditions are an extract of the Online Banking Terms and Conditions and apply only to Mobile Banking through the internet or through a smart application service. You should obtain or download a full copy of the terms and conditions for our Online Banking services which is available at our branches, by calling 13 63 73 or from our website bankvic.com.au for your future reference.

2. Mobile Banking is online or internet banking accessed by a mobile device through the internet or a smart application and available only to registered users of our internet banking service.

3. These conditions of use include the terms and conditions for PayAnyone - Mobile Email, a feature of mobile banking that allows registered users to authorise payments to another person using their mobile device such as their mobile phone or tablet by providing their mobile phone number or email address ("Pay to Mobile/Email").

4. Security
It is important that you apply the below password security measures to your use of mobile banking in addition to the security measures listed in our Online Banking Terms and Conditions in clause 4(g):

  • do not leave any mobile device through which you access mobile banking unattended and logged into our online banking services; and
  • lock your mobile device or take other steps necessary to protect your account from unauthorised access
  • security of PayAnyone - Mobile Email Collection Code.

The PayAnyone - Mobile Email Collection Code is issued to you by us when you complete your Pay to Mobile/Email transaction. You must advise the recipient of the Collection Code to enable the Recipient to claim the Pay to Mobile/Email payment.

The security of the Collection Code is very important. You must provide the Collection Code to the Pay to Mobile/Email Recipient only. If the Collection Code is provided to any person other than the Pay to Mobile/Email Recipient, that person may be able to claim the Pay to Mobile/Email payment.

You must not:

  • disclose the Collection Code to any person other than the Pay to Mobile/Email Recipient;
  • allow any person other than the Pay to Mobile/Email Recipient to see, or overhear you providing, the Collection Code; or
  • record the Collection Code anywhere that is liable to loss, theft or abuse of the transaction.

You must immediately notify us to cancel any payment suspected at risk due to loss of your or your recipient's mobile device.

5. It is important that you read and understand the conditions for liability in the circumstances where an unauthorised electronic transaction occurs on your account. These are detailed in section 5 of our Online Banking Terms and Conditions.

6. Mobile device access to your Accounts
(a) You will use your Member Number and internet banking password when logging on to our Mobile Banking service.  When using the BankVic App you can elect a 4-digit Passcode for access to the BankVic App, however you will need to use your full internet banking password when transacting.

(b) Mobile Banking services and features include:

  • Check account balances;
  • View transaction history;
  • Transfer money between accounts (internal and external);
  • Use PayAnyone - Mobile Email;
  • Use BPAY to pay bills (BPAYView not available);
  • View interest information;
  • View your contact details; and
  • Locate ATMs and branches when using the BankVic App.

(c) PayAnyone - Mobile Email is our Pay to Mobile/Email service.
It allows you to authorise a payment to another person ("Pay to Mobile/Email Recipient") with an Australian bank account, by providing the Pay to Mobile/Email Recipient's mobile phone number or email address.

(i) A PayAnyone-Mobile Email transaction has a daily transaction limit of $500.

(ii) Following your instruction to send a Pay to Mobile/Email payment, we will send an SMS or email to the Pay to Mobile/Email Recipient notifying them that a Pay to Mobile/Email payment is available for them to claim. We will use all reasonable endeavours to send this SMS or email as soon as possible after you have issued the Pay to Mobile/Email payment instruction. However, we are not liable for any delay or failure in sending this SMS or email.

(iii) For the Pay to Mobile/Email Recipient to claim the payment you must advise them of the Collection Code notified to you by us following your Pay to Mobile/Email payment instruction.

(iv) You must provide the Collection Code to the Pay to Mobile/Email Recipient only. You must not:

  • disclose the Collection Code to any person other than the Pay to Mobile/Email Recipient;
  • allow any person other than the Pay to Mobile/Email Recipient to see, or overhear you providing, the Collection Code; or
  • record the Collection Code anywhere that is liable to loss, theft or abuse.

If the Collection Code is provided to any person other than the Pay to Mobile/Email Recipient, that person may be able to claim the Pay to Mobile/Email payment.

(v) The Pay to Mobile/Email Recipient must, claim the payment from bankvic.com.au/collect by entering:

  • their mobile phone number or email address;
  • the exact amount of the Pay to Mobile/Email payment they are claiming;
  • the Collection Code; and
  • the BSB and account details of the Australian bank account they wish the Pay to Mobile/Email payment to be credited.

(vi) The account details entered must be correct as incorrectly entered details may result in an unsuccessful claim of the Pay to Mobile/Email payment.

a. You must check the account details you enter as the account name cannot be verified by us prior to sending your funds.

b. Incorrect information may result in funds being credited to the account of an unintended recipient if the BSB number and/or identifier do not belong to the named recipient, and loss of funds should they not reach the intended recipient.

c. It may not be possible to recover your funds from an unintended recipient.

d. To the extent permitted by law, we are not liable for loss arising from any error in instructions given by the Pay to Mobile/Email Recipient.

If you do make an error, you must advise us immediately or as soon as you become aware of the error, this advice is known as a Mistaken Internet Payment Report. Refer to clause 7 Mistaken Internet Payment Reports of the Online Banking Terms and Conditions for guidance.

(vii) The Pay to Mobile/Email Recipient must successfully claim the Pay to Mobile/Email payment by midnight Melbourne time on the fourteenth day following the day on which the transaction was made, that is following the SMS or email sent notifying the Pay to Mobile/Email Recipient that the Pay to Mobile/Email payment is available for them to claim. If the PayAnyone Mobile Email transaction is sent after the cut off time, then the following day is counted as day one of fourteen.

(viii) If the Pay to Mobile/Email Recipient does not claim the Pay to Mobile/Email payment within the fourteen days the Pay to Mobile/Email Recipient will not be able to claim the Pay to Mobile/Email payment and the funds will be returned to the account the funds were debited from. This will take place on the fifteenth day following the date on which we sent the SMS or email to the Pay to Mobile/Email Recipient notifying them that Pay to Mobile/Email payment was available for them to claim.

(ix) Pay to Mobile/Email payments will be deducted from your account on the same day that you issued instructions for / claimed the Pay to Mobile/Email payment. The timing of the credit to the Pay to Mobile/Email Recipient's account will depend on the timing of the claim and the policy and systems of the Pay to Mobile/Email Recipient's bank.

(x) We will not back-date interest on an amount that was debited and subsequently re-credited to your account if the Pay to Mobile/Email Recipient does not claim the Pay to Mobile/Email payment or the funds are re-credited to your account for any other reason.

(xi) You agree to advise the Pay to Mobile/Email Recipient that you have provided us with their mobile phone number or email address for the purpose of notifying them of the Pay to Mobile/Email payment and that if this information identifies the Recipient you will advise them of how to access our Privacy Policy.

(xii) If the Pay to Mobile/Email Recipient wishes to dispute the Pay to Mobile/Email payment they must do so through you. We cannot action a dispute or query from a Recipient.

(xiii) We are not liable for any loss to you or the Pay to Mobile/Email Recipient as a result of:

  • you disclosing the amount of the Pay to Mobile/Email payment and the Collection Code to any person other than the Pay to Mobile/Email Recipient; or
  • you failing to provide the amount of the Pay to Mobile/Email payment and the Collection Code to the Pay to Mobile/Email Recipient.

(xiv) We are not liable for any loss or damage suffered by any person resulting from:

a. any failure or delay by you to provide the Pay to Mobile/Email Recipient with the correct information to request the payment of the Pay to Mobile/Email payment (including the Collection Code);

b. any person other than the Pay to Mobile/Email Recipient becoming aware of the amount of the Pay to Mobile/Email payment or the Collection Code other than as a result of the fraudulent or negligent conduct of our employees or agents;

c. the amount of the Pay to Mobile/Email payment, the Collection Code or account details entered by the Pay to Mobile/Email Recipient when claiming the Pay to Mobile/Email payment being incorrect;

d. insufficient cleared funds in the nominated account for the payment to proceed; or

e. our delaying, blocking or refusing to process a payment for any reason.

(xv) We will not be liable for any loss arising from your use of PayAnyone - Mobile Email, including loss arising from any security breach, if you have acted fraudulently (either alone or together with any other person) or if you have caused or contributed to that loss, for example, by failing to comply with any of these Terms and Conditions or by using a mobile device that is insecure in anyway.

(d) Not all mobile devices may be capable of accessing and using our Mobile Banking. We are not responsible for:

  • any inability of a mobile phone or other device to access the service or
  • any loss or damage to a mobile phone or device resulting from your access or use or attempted use of our Mobile Banking.

(e) Access to our Mobile Banking service outside of Australia may be dependent on your telephone communications provider's international roaming services. We are not liable for any additional costs you incur.

(f) Any conditions of use and charges relating to a mobile phone are your responsibility.

Charges:
We reserve the right to charge a fee for any transaction and we are authorised to debit an account with those fees which will reduce the balance of that account.

If you consider that we have incorrectly charged you a fee or charge, you may dispute this by contacting us in accordance with section 9 of the Online Banking Terms and Conditions.

Our Fees and Charges brochure is available on our website, at any branch or by calling Service & Sales on 13 63 73. You will be advised of any applicable fees and charges at the time you apply for this service.

(i) Transaction fees

Using these services could incur additional data charges and it is your responsibility to confirm with your telecommunications service provider whether you have a data plan and what the terms and conditions of use entail.

We will not be liable for any loss where you have stored sensitive information such as your member number, passwords and contact details on your Mobile Device.

BSB: 704 230

Tools & Resources