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Move money in e-banking

e-banking offers a wide variety of payment options.

Payments can be created from the Move Money screen, or from a specific account by selecting one of the payment options on the Accounts screen. You can also pay a contact by selecting them on the Contacts screen and then selecting Pay.

The payment options available for an account depend on the type of account. For example, while transaction accounts may allow Pay Anyone and BPAY® payments, term deposits may have no payment options.


Account transfer

Account Transfer allows you to perform transfers between your own accounts in e-banking. This includes redraws from a loan account to another account in e-banking.

To create an Account Transfer:

  1. Select the Move Money tile and Account Transfer; or
  2. Select the account you want to transfer from on the Accounts screen and the Transfer button

Pay Anyone and Osko

Pay Anyone allows you to make payments to anyone using a BSB and account number. With Osko, you can send and receive money almost instantly. You can also use PayIDs as an alternative to BSB and account numbers.

To register for Pay Anyone, contact us on 1300 236 344 or visit your local branch. You must have a security token set up to use the Pay Anyone service.

When registering you will be asked to nominate a daily transaction limit. You can request a limit up to $30,000 over the phone. If you require a higher daily transaction limit you will need to visit your local branch.

To create a Pay Anyone payment:

  1. Select the Move Money tile and Pay Anyone; or
  2. Select the account you want to pay from on the Accounts screen and the Pay Anyone button


When creating a Pay Anyone payment or contact, you will see a message advising you to ensure the BSB and account number are correct. As account names are not used to validate payments, it is important you check the BSB and account numbers are correct to avoid paying the wrong account.

Learn more about making and receiving Osko and Fast Payments by visiting our real time payments page.

BPAY®

BPAY® allows you to use the Biller Code and Customer Reference Number (CRN) printed on your bills to pay them online.

To create a BPAY® payment:

  1. Select the Move Money tile and Pay a BPAY Bill; or
  2. Select the account you want to pay from on the Accounts screen and the Pay Bill button


If e-banking will not accept a BPAY® Biller Code, you can check that the Biller Code is valid at www.bpay.com.au.

Bulk payments

Business customers can use Bulk Payments to upload multiple payments to e-banking in a single payment file.

To register for Bulk Payments you will need to complete a form in your local branch. You must have a security token set up to use the Bulk Payments service.

Bulk Payments can be paid immediately or scheduled for a specific date.

For accounts accessed by multiple e-banking users:

  • The person uploading the payment file can set the File Visibility. This determines who can see the contents of the file in e-banking
  • Restricted users can upload payment files, but they must be approved by signatories with full access


To create a Bulk Payment:

  1. Select the Move Money tile
  2. Select Bulk Payments

Telegraphic transfers

Telegraphic Transfers allow you to pay accounts outside of Australia.

To register for Telegraphic Transfers, contact us on 1300 236 344 or visit your local branch. You must have a security token set up to use the Telegraphic Transfer service.

When registering you will be asked to nominate a daily transaction limit. You can request a limit up to $30,000 over the phone. If you require a higher daily transaction limit you will need to complete a form in your local branch or contact us on 1300 236 344 for further advice.

You can also visit any Bendigo Bank branch to request they process a Telegraphic Transfer for you.

Please refer to the Schedule of Fees, Charges and Transaction Account Rebates (for personal customers) or Business Fees and Charges (for business customers) for fees applicable to the service.

To create a Telegraphic Transfer:

  1. Select the Move Money tile and Telegraphic Transfer; or
  2. Select the account you want to pay from on the Accounts screen and the Telegraphic Transfer button

Payment limits

Daily limits apply to both Pay Anyone payments and Telegraphic Transfers. This is the total amount you can pay in a single day across all your transactions.

Osko payments have a $30,000 daily limit separate to your Pay Anyone limit. This means Pay Anyone payments exceeding $30,000 cannot be made using Osko.

You can request increases to your Pay Anyone and Telegraphic Transfer daily limits up to $30,000 by contacting us on 1300 236 344 or visiting your local branch.

To request a limit increase above $30,000, please visit your local branch.

You can also view and lower your daily limits in e-banking:

  1. Select the Settings tile (found in the More menu in the Bendigo Bank app)
  2. Select Reduce Daily Limits
  3. Enter a new dollar amount in the Pay Anyone and/or Telegraphic Transfer field
  4. Select Update

Future dated and recurring payments

Our payment options in e-banking allow you to:

  • Create and cancel one-off future dated and recurring BPAY® and Pay Anyone payments
  • Create, edit, and cancel one-off future dated and recurring account transfers


The ability to edit upcoming BPAY® and Pay Anyone payments will be included in a later release.

To create a future dated payment, select the Later option when setting up the payment and enter the payment date.

To create a recurring payment:

  1. Select the Repeating option when setting up the payment
  2. Enter the date of the first payment
  3. Set how often to repeat the payment
  4. Set an end option, or if the payment should continue indefinitely

Payments on multi-signatory accounts

Payments from accounts requiring multiple signatories can be created and approved in e-banking.

If a payment requires your approval, a badge will appear next to the Activity tile. Select Activity, then the Actionable tab, to review and action any pending payments.

You can also select the Actionable tab on the Accounts screen to review and action payments for a given account.

The signatory that creates a payment is automatically counted as one of the required approvals.

Payment descriptions

BPAY® and Pay Anyone payments allow you to add a short text description. The description field for Osko payments allows you to use up to 280 characters.

For Pay Anyone payments, both you and the person or business receiving the payment can see the description. You could use this field to enter an invoice number, or a message describing what the payment is for.

For BPAY® payments, only you can see the description.

Past payments and favourites

The Past Payments option will display when making a payment to a regular contact. The list shows past payments made to that contact. Selecting one will automatically fill the Amount and Description fields with the details of the past payment.

You can save non-Osko Pay Anyone payments made to a contact by selecting Favourite on the payment receipt. This will save the payment in the Favourites tab on the Move Money screen. The next time you want to pay your contact, you can use the favourite to make a payment without re-entering the amount paid, account used, and description.

Email receipts

You can email a payment receipt for Pay Anyone (including Osko), BPAY®, and Telegraphic Transfer payments. Once you have made a payment:

  1. Select Email receipt
  2. Enter the email address you want to send the receipt to
  3. Select Send


You can also email a receipt later by selecting a payment from the transaction list in the Activity tab.

Connect with us

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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