Beyond Bank salary packaging.
Are you looking for the easiest salary packaging solution? Our salary packaging cards remain one of the simplest and most beneficial ways you can save on tax as you don’t need to wait for reimbursements or collate and retain receipts. Giving you the flexibility of spending your funds when and how you want, without worrying about the paper trail.
We offer a choice of two salary packaging cards.
Salary Packaging card.
A salary packaging card (living expenses card) allows an individual to use pre-tax income for purchases associated with everyday living such as groceries, clothes, fuel or pay for expenses like utility bills. The Class Ruling for this product has been approved and published by the ATO (CR 2016/18).
Meal and Entertainment card.
A meal entertainment card allows an individual to use pre-tax income for purchases associated with food and entertainment such as dine-in meals at bistros, cafes, hotels and restaurants and pay for holiday accommodation in Australia and overseas. The Class Ruling for this product has been approved and published by the ATO (CR 2016/85).
We make tax-free shopping a breeze.
- No need to submit claims or receipts
- Make purchases anywhere in the world where Visa is accepted
- Access to balances and transaction history via Internet Banking or our Mobile App. Set push notifications on your Mobile App to let you know when your pay has been deposited
- Simply Tap & Go with payWave technology (PIN may be required depending on the transaction amount).
Who can apply?
- Public Benevolent Institutions (charities, etc)
- Hospitals, Nursing Homes, Government Departments, etc
- Rebatable Non-for-Profit Organisations.
Important rates, fees and charges.
Fees and Pricing
| Monthly fee | N/A¹ |
| TEXT ME! Fee | $0.26² |
| Foreign Currency Conversion Fee³ | 3% of transaction value |
| Replacement fee for lost, stolen, captured or damaged card | $10.00 |
| Interest rate | N/A |
View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.
How do I apply?
The first step is to contact your salary packaging provider. Once you have completed your paperwork with them and indicated your interest in having a Beyond Bank salary packaging card, they will provide you with an application link. If you are unsure as to who your salary packaging provider is, your payroll team will be able to assist you.
Salary Packaging FAQs.
You can expect your new card(s) to be delivered to your nominated address within 10-12 working days of completing the Beyond Bank Australia Membership Application.
On completion of your Beyond Bank Membership Application, your card will be ordered. Customers can create their own card PIN via internet banking or the Beyond Bank app.
- Internet Banking (Internet Banking Passcode required). Services > Card Management > Activate Card
- Mobile App (Mobile App PIN required). Menu > Manage Cards > Click the card you want to activate > Activate Card
- Visit your nearest branch
- Call our Customer Relationship Centre on 13 25 85
Please note:
- If you use Mobile or Internet Banking, you will not be sent a PIN in the post but can select a PIN at any time using the 'Change PIN' in the Card Management screen once the card is activated.
- If you access the Digital Card option before your card arrives in the post, you may not be required to activate the card separately once the card has physically arrived.
Once the card is activated, the PIN can be changed. Only the cardholder can change the PIN. Here are ways you can change the PIN:
• Internet Banking (Internet Banking Passcode required) – Log on, then select Services > Card Management (the card must be activated before the PIN can be changed)
• Mobile App (Mobile App PIN required). Cards > Select card > Change PIN
• Beyond Bank Customer Relationship Centre (Telephone Banking Passcode required) - call 13 25 85 and request a new PIN be posted to you.
Only the card holder can request a new PIN. Here are the options to obtain a new PIN:
• Mobile App (Mobile App PIN required). Settings > Cards > Select card > Change PIN
• Internet Banking (Internet Passcode Required) – Log on then select Services > Card Management
• Beyond Bank Customer Relationship Centre (Telephone Banking Passcode required) - call 13 25 85 and request a new PIN be posted to you.
• Beyond Bank branch – (Photo ID required) Can request a new PIN be posted to you.
Please read this important information.
| Salary Packaging is only available to employees of the Public Benevolent Institutions and employees of Health Promotion Charity where status has been granted by the ATO. Salary Packaging is a Fringe Benefit that employees can access if they are employed by an organisation that qualifies for a Fringe Benefit Tax exemption. | |
| 1 | There are no direct charges from Beyond Bank to your account with us, however, your salary packaging provider/employer may charge you a fee for the provision of these services. |
| 2 | TEXT ME! Fees are not inclusive of 2nd factor secure sms authentication messages. For more details, view our Fees and Charges Guide. |
| 3 | This fee is payable when you use your Visa Credit Card, Visa Debit Card or Visa Prepaid Card to make a transaction: |
| Terms, conditions, lending criteria, fees and charges apply. For full details please review our our Salary Packaging specific Terms & Conditions, Financial Services Guide, Product Guide, Fees and Charges Guide and Target Market Determination. These are available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. They will also be provided at the time of acquiring any product. |