PayAnyone - Mobile Email

PayAnyone – Mobile Email is a convenient and innovative new way to send payments from your mobile device, via mobile banking, simply by providing the recipient's mobile phone number or email address. PayAnyone – Mobile Email is available to all mobile banking users.

All you’ll need is their mobile phone number or email address – you’ll no longer need the BSB and account number of the recipient to send funds! Once you've made a payment, the recipient will receive an SMS or email from us containing instructions on how to collect their funds.

It's a quick, secure and convenient way to split a cafe bill, pay money to friends, colleagues and contractors. PayAnyone – Mobile Email makes it easy.

Collect a payment now >  

About

What is PayAnyone – Mobile Email?

PayAnyone – Mobile Email is a feature of our mobile banking service that allows members to pay anyone by providing us with the recipient's mobile phone number or email.

What mobile devices does PayAnyone – Mobile Email work with?

PayAnyone – Mobile Email is available on the following mobile devices:

  1. Android
  2. Blackberry
  3. iPad
  4. iPhone
  5. Nokia
  6. Windows Phone

Whilst we test most major phones for mobile banking, certain combinations of hardware and operating systems software may not be supported.

Note that the recipient can collect their funds with a desktop computer that has an internet connection.

Can I use PayAnyone – Mobile Email from my joint account?

Yes. Any at-call account which is available via online banking, excluding accounts requiring 2-to-sign.

What do I need to use PayAnyone – Mobile Email?

  1. You’ll need to be registered for online banking and then access bankvic.com.au  on your mobile device.
  2. Ensure you have sufficient funds in your account.
  3. Your recipient's mobile number or email address.
  4. You'll need to notify your recipient of the Collection Code once your payment has been confirmed.

Do I need to be a member to use PayAnyone – Mobile Email?

To make a payment via PayAnyone – Mobile Email, you’ll need to be a member and registered online banking user. To receive money via PayAnyone – Mobile Email from collect.bankvic.com.au you don’t need to be a member, but be mindful payments can only be made to an account held within Australia. 

Can you use PayAnyone – Mobile Email on a line of credit account?

Yes. You can use PayAnyone – Mobile Email with a line of credit account.

Can you PayAnyone – Mobile Email from a loan redraw?

No. You cannot use PayAnyone – Mobile Email when using your loan redraw.

What if I'm not registered for online banking, what do I do?

Registering for online banking is easy – find out how to register.

Payments

How much can I transfer per day with PayAnyone – Mobile Email?

You can transfer up to $500 per calendar day to anyone with a mobile phone number or email address. However, they must have an Australian bank account to be able to collect the funds.

I am a member and wish to send a PayAnyone – Mobile Email payment to another member. Is this allowed?

Yes, and if you're a member collecting a payment there is a 'Click for BankVic BSB' button provided to populate the BSB field automatically for transfers to your BankVic account. This option is only available after you have acknowledged the terms and conditions and entered the correct details, including Collection Code.

Can I make transfers to international bank accounts?

No. This service requires a payment to be made to an Australian bank account only.

How do I make a PayAnyone - Mobile payment?

  • Log in to mobile banking.
  • Go to the "Payments" screen and click on "Mobile & Email" button.
  • Click on the row of the recipient to whom you want to make a payment, or create a new recipient. 
  • Click on "Pay" button – if you have selected the mobile option then "Payments mobile" will be displayed.
  • After completing the optional personal message and amount, click "Next" and the confirmation screen will be displayed.
  • Cancel, modify or confirm payment.
  • Once you have entered your password, the Collection Code screen will be displayed. You will need to give the Collection Code to your recipient so they can collect their money.
  • Your recipient will receive an SMS stating there are funds from you to be collected from collect.bankvic.com.au.  and that they will need the Collection Code to retrieve it.

How do I make a PayAnyone Email account payment?

  • Log in to mobile banking.
  • Go to the "Payments" screen and click on "Mobile & Email" button.
  • Click on the row of the recipient to whom you want to make a payment, or create a new recipient.
  • Click on "Pay" button – if you have selected the email option then "Payments email" will be displayed.
  • After completing the optional personal message and amount, click "Next" and the confirmation screen will be displayed.
  • Cancel, modify or confirm payment.
  • Once you have confirmed your password, the Collection Code screen will be displayed. You will need to give the Collection Code to your recipient so they can collect their money.
  • Your recipient will receive an email stating that there is some money from you to be collected from collect.bankvic.com.au and that they will need the Collection Code to retrieve it.

How do I create a new recipient?

  • Log in to Mobile banking and go to the "Payments" button. Click on the "Mobile & Email" button.
  • The Mobile & Email List screen appears.
  • Click on the "Pay New" row.
  • Enter a Nickname, Mobile number and/or email address and/or BSB and Account number if known. Enter an appropriate "Customer Reference" relating to the external transaction.
  • "Save the recipient for future use" is checked by default, therefore click "Next". You will be taken to the "Recipient Details" screen where you can make a payment by clicking on the "Pay" button. The payment options are based on the previous screen and the details will be saved once the first payment is made.

How do I give the Collection Code to my recipient?

For your security, you should avoid using the same method you used to send the payment details. Telephone them or provide it to them in person if convenient.

Does the recipient need to be a member to receive the person to person payment?

No. The recipient does not need to be a member. They simply need to have an Australian bank account and an active mobile phone number or email address.

What happens to my money when I make the payment?

Funds are withdrawn from your account as soon as you make a payment with PayAnyone – Mobile Email.

The recipient then has 14 calendar days to collect the payment. If the payment is not collected within this timeframe, it will be returned back to the account from which the payment was made.

How long does it take for the funds to be transferred to the recipient's account?

When the recipient provides us with their banking details to collect their funds before 2.00pm on a Business Day, we’ll provide details to the recipient's bank during overnight processing. The recipient's bank will process the payment as per their internal processes. As a result, please allow 1 - 2 business days for the payment to be transferred. If the recipient is a member, funds transfer will occur upon collection by the recipient.

What is the maximum I can transfer per calendar day?

The maximum individual transaction amount per day is $500 or transactions totalling in value to $500 for payments to Mobile or Email. Please note these payments also form part of your daily online external transfer limit of $5,000.

How will I know that the money has been collected?

Payments that have not been collected by recipients will be listed in your "Uncollected payments" screen. You may view these if you log onto mobile banking. Click on the "Payments" screen and then on "Uncollected payments".

What happens if I enter an incorrect email or mobile number?

Your recipient will not receive SMS or email advice and the message may be received by an unintended recipient. Please ensure that the recipient's information you have entered is correct before confirming the payment.

Important : Please check the account details you have entered – the account name cannot be verified by us prior to sending your funds.

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

If you do make an error, please let us know and we will action a Mistaken Internet Payment request where we will contact the unintended recipient’s banker and request the payment be returned.  Your online banking terms and conditions includes our obligations for these reports and the ePayments Code explains further.

What do I do if the recipient didn't get the email or SMS notifying them that they have funds to collect?

You have two options:

  1. Simply provide the recipient with details of the payment amount, email or mobile phone number to which it was sent, and the Collection Code including the collection site address collect.bankvic.com.au where they can collect their payment
  2. Cancel and re-issue the payment, ensuring that you have the correct mobile phone or email address. See Can I cancel the payment? How? below.

What if the message is received by an unintended recipient?

As the unintended recipient doesn't have the Collection Code, they’re unable to access the funds. The member has the option to cancel the payment or simply pass the necessary transaction details to the recipient in order for them to collect their funds.

If the recipient is unsure as to whether they are the intended recipient, there is little we can do to assist them other than suggest they contact the person named in the correspondence if they are known to them.

Why don’t you automatically send the collection code to the intended recipient?

We send the Collection code to the Payer as a security measure. We also recommend the passing of the Collection Code to the recipient be via an alternative channel, as a security measure. These are preventive measures in the event the recipient had their mobile phone stolen or the message was accidentally sent to an unintended recipient (wrong number).

Can I cancel the payment? How?

Yes, you can cancel a payment anytime before it has been collected. Here's how:

  • Log in to mobile banking.
  • Click on the "Payments" screen and then on "Uncollected payments".
  • Click on the payment row which you wish to cancel and the payment details will be displayed. Click on "Delete Payment".
  • Click "Confirm" to delete it.

What is PayAnyone – Mobile Email?

Yes. Please be aware that the payment will be treated as a Cash Advance, which means you will be charged interest on your payment. For more information, see Visa Credit Card Terms & Conditions of Use.

How will my recipient be notified that there is a payment waiting for them?

Your recipient will receive an automated SMS or Email (whichever method you chose to pay them by) from us notifying them that there is a payment waiting for collection and that they need to obtain the Collection Code from you.

Where do they go to collect the payment?

collect.bankvic.com.au is the collection site.

Will I be notified that the money has been collected?

No. You will not be notified directly. However the payment details will disappear from your "Uncollected Payments" screen. See How will I know that the money has been collected?

What happens if the money isn't collected?

If after 14 days the money is not collected, it will be returned back to the account from which the payment was made.

How does the payment show up on my statement?

Payments sent via Email/SMS will be noted with the reference "MOB ANY" in your statement along with any message that was sent. Payments made via BSB/Acct Number appear as per other external transfers.

Collection

What is a collection code?

The Collection Code is a six (6)-character one-time use password that enables you to collect your money. The Collection Code is always six (6) characters and the alpha characters will always be in capital letters (uppercase).

Can I collect my payment from a mobile device?

Yes, by simply selecting the collect.bankvic.com.au link from your mobile phone browser, you’ll automatically be presented with the mobile version of the 'collect' website, where you can collect your payment.

What happens if I lose the Collection Code?

Contact the Payer and request they give you the Collection Code again.

What happens if my phone is stolen, and I'm concerned about security?

  1. If you have the Collection Code, collect your money as soon as possible therefore removing the risk of losing the funds. You may collect the payment from any desktop computer or mobile device with an internet connection, or
  2. ask the Payer to cancel and reissue the PayAnyone – Mobile Email payment.

How long do I have to collect the money?

You have up to 14 days from the time the Payer sends the payment to collect the money before it is returned to their account.

What happens if I entered the wrong account details when collecting a payment?

Please double check the account details you enter – the account name cannot be verified by us prior to sending your funds. Incorrect information may result in funds being credited to the account of an unintended recipient. It may not be possible to recover your funds from an unintended recipient.

Please contact the Payer and ask that they contact us to organise a Mistaken Internet Payment request to confirm where the funds have been sent. We can verify the transaction information with our member by searching for the Collection Code or any other transaction details, e.g. Transaction code, amount, date. The ePayments Code prohibits us from actioning a request from the Recipient, but we may be able to assist you with your mistaken payment through your Payer.

What happens if the money never reaches my account?

  1. Check with the Payer to see that funds have not been returned to their bank account due to a BSB or account details error or exceeding the 14 day time frame to collect.
  2. Ensure that the money has had sufficient time to reach your bank account. Some financial institutions take up to 3 business days to transfer external money into accounts.
  3. You can request the Payer to ask us to do a search (Mistaken Internet Payment request) on the funds. The ePayments Code prohibits us from actioning a request from the Recipient, but we may be able to assist you with your mistaken payment through your Payer.

Please note: Money will be returned us if the account number entered does not exist, or in some cases if the account number and name provided do not match.

Why would the money have gone to the wrong person's account?

The BSB must be a valid BSB to be able to transfer funds. The BSB the recipient provided may be a BSB that exists but not the recipient's BSB. Similarly, the account number may exist with the incorrectly entered BSB so the money may not reach the intended recipient. In this case, we’d need to initiate a Mistaken Internet Payment investigation for the funds, and the Recipient would need to request the Payer to contact us to initiate the process.

The ePayments Code prohibits us from actioning a request from the Recipient, but we may be able to assist you with your mistaken payment through your Payer.

Please note it may not be possible to retrieve funds from an unintended recipient.

Security

What happens if my phone is stolen and the money has been collected?

Member Enquiries:

Please contact us as this would be treated as a case of fraud. This fraud should only be possible if the collection code has been stored together with the details of the payment. If there has been evidence of negligence (e.g. member has stored those details together on their device with the payment details), this would most likely constitute a breach of our terms and conditions.

As we have access to the transaction details (BSB and Account Number) we can initiate a trace, however it may not be possible to recover the funds.

Collector Enquiries:

Contact the Payer ASAP and ask them to contact us as this would likely be treated as a case of Fraud.

You should note that the ePayments Code prohibits us from actioning a request from the Recipient, but we may be able to assist with the theft through the Payer.

his type of fraud should only be possible if the Collection Code is stored together with the details of the payment. We recommend not providing the Collection Code by the same method in which the PayAnyone message was received. This will assist in minimising fraud as a result of the mobile phone theft or fraud.

If there’s been evidence of negligence (e.g.: details stored together on their device), this may constitute a breach of terms and conditions by the member or the collector depending on the scenario.  Please check the online banking terms and conditions for liability in such cases.

As we have access to the transaction details (BSB and Account number), we can initiate an investigation, however it may not be possible to recover the funds.

How do I know the SMS or email I receive on my phone is a legitimate PayAnyone – Mobile Email message?

The message should say "From BankVic: <Payers Name> sent you $X.XX "<optional message>", Ask them for the code & claim @ collect.bankvic.com.au  by <dd mmm yyyy>.  

Note: We will never send you the Collection Code directly.

Fees & charges

BankVic does not charge for this service, however you may incur charges from your mobile service provider for using our PayAnyone – Mobile Email. Any such charges are your sole responsibility and any matters regarding these charges should be raised with your mobile service provider.

For further information, see our Fees & Charges PDS(PDF).

BSB: 704 230

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