These terms govern your use of the Mobile Banking App, together with the Conditions of use—Accounts and access and any other relevant terms and conditions governing your accounts (collectively called the Terms and Conditions.) If there is any inconsistency between these terms and the Conditions of Use – Accounts and Access in relation to your use of the app, these terms prevail to the extent of the inconsistency. You should read and understand these Terms and Conditions before using the app. You accept these Terms and Conditions by using the app or agreeing to the terms in the app.
If you are an existing Mobile Banking App user, these Terms of Use will replace the Terms of Use previously accepted by you.
Australian Mutual Bank Mobile App Terms and Conditions — version dated 30 October 2026 (webpage).
It is an app that you download onto your mobile device. It enables you to perform a range of banking services using that mobile device. You can download the app onto up to four (4) mobile devices.
The app is available for download without charge from the App Store (for iPhones) and Google Play (for Android phones) in Australia.
The app enables you to use your mobile device to:
• access your accounts (deposit and loan, savings or transaction) for viewing balances and information;
• give us instructions to carry out transactions on your deposit accounts; for example, transfer funds between your own accounts with us or pay someone whose account is with another bank;
• receive notices and messages from us; and
• communicate with us; for example, you can use secure mail functionality in the app to notify us of any fraudulent transaction or your card is lost or ask to stop a payment.
There is a range of features set out on our website that the app enables you to do your banking with us using your mobile phone.
To download and to use the app on your mobile device, you must have a compatible mobile device and download the app from the App Store for iPhones or from Google Play for Android phones.
Once you have downloaded the app onto your device, you will be prompted to register your device to use the app. Your device will be registered with us once you enter your member number and electronic banking password. After your first use of the app, you can change your login to:
• PIN (6 digits required);
• A pattern on the mobile screen; or
• Biometrics (Face ID or fingerprint) but only after you have chosen either a PIN or a pattern.
We will notify you from time to time to upgrade the app. When you receive notice, you must upgrade the app as soon as possible.
An upgrade is for your protection. It will deliver enhancements, new services and security features.
We do not warrant that the app is always available 24/7 365 days a year. There may be times when the app is temporarily unavailable. Usually, this happens when we are conducting maintenance or system upgrades.
The availability of the app is also dependent on the technical services we receive from our third-party service providers that help make the app work.
You can use the app to view account balances, view transaction history, view pending transactions, schedule future payments, change your login to PIN/Pattern or biometric, view quick balance, transfer between accounts, pay anyone using BSB and account number or PayID, BPAY, report lost/stolen card, block/unblock card or order a new card.
You can find out about fees and charges by accessing our Fees and Charges brochure here.
Our online services may not always be available. We will endeavour to keep outages and downtime to a minimum.
We may suspend or terminate your use of the app without notice at any time, for example, if we suspect unauthorised transactions have occurred or that the app is being misused.
Data charges may be charged by your internet service provider for using the app.
You can use the app to make payments. Payments are processed using the BSB and account number or PayID (for instance an email address, mobile phone number or ABN), without using the recipient's name. Please take care to enter the correct BSB and account number or PayID as you may not be able to recover a payment if it is credited to a mistaken account.
If you have the app installed on a device that has a biometric recognition function available and you have enabled the function, you may be able to enable the biometric recognition function to access the app. If the biometric recognition function is enabled for the app, we may permit you to access the app using the biometric identifier registered on that device instead of your PIN or Pattern.
If you enable the biometric identifier login option, any biometric identifier stored on your device may be used to log into the app. You must ensure that only your biometric identifier (and not any other person’s) is stored on the device while the biometric identifier login is enabled. We strongly recommend that at all times you should use your passcode to access the app.
Biometric recognition function is technology provided by the relevant device manufacturers and accordingly we are not responsible for any malfunction in biometric recognition. If the manufacturer of your device makes any changes to its biometric recognition technology that impact the way you access the app, you will still be able to access the app using your PIN or Pattern.
If you choose to use the biometric recognition function to access the app, you will still need your PIN or Pattern. Therefore, you must set and protect your PIN or Pattern in the manner outlined in these terms.
1. Mobile Banking App PIN/Pattern
a. You may set up a PIN (must be 6 digits) or Pattern for use with the app. Once registered, the PIN or Pattern can be used to access the app.
b. You can change this PIN or Pattern after logging into the app.
2. How to protect your app PIN or Pattern
a. You should always:
I. memorise your PIN or Pattern as soon as possible and, if you record it, disguise it so others can’t decipher it;
II. if you nominate a PIN, use a number that is not obvious and can’t be easily guessed (for example, don’t use your date of birth); and
III. take precautions when using the app (for example, don’t let anyone watch you enter your PIN or Pattern).
b. You must never:
I. tell or let anyone find out your PIN or Pattern, not even family or friends;
II. record a PIN or Pattern on your device or computer; or
III. keep a record of the PIN or Pattern on or with your device.
Please contact us immediately on 13 61 91 if your phone is lost or stolen.
You may register up to four (4) mobile devices for use with the app. To register an additional device, you simply go to the App Store or Google Play and download the app. You are then required to register your additional device using your member number and electronic banking password. You can view and manage your registered devices through the ‘hamburger’ menu. You can use one device to remotely deactivate the app on another device.
You will need to re-register for the app when you have either:
• deleted the app from your device and you want to reinstall the app onto your device again; or
• changed to another device and you need to install the app for the first time.
By reordering your accounts via the app, you only modify the account list for viewing while inside the app. The changes made to your account order or view will NOT be reflected elsewhere (for example, Internet Banking).
By downloading and using the app, you agree you will:
• take all necessary and reasonable steps to protect your mobile device and prevent unauthorised access to and use of the app;
• lock your mobile device and not leave it unattended while logged into the app;
• notify us immediately if your mobile device is lost, stolen or compromised in any way, or if your mobile phone service is disconnected (which may indicate that your device is being ported);
• use the app solely to undertake your banking with us and operate your accounts in accordance with the Terms and Conditions;
• not copy, modify, alter, reverse engineer, hack into or insert malicious code into the app or software; and
• before selling, disposing of or gifting a registered device on which the app is installed, delete the app and disable any biometric recognition function enabled for access to the app.
We may change these Terms of Use at any time in the same manner as set out in the Conditions of Use – Accounts and access. We will notify you of any material changes by sending electronic notices to you via your device or via the app. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the app.
AUSTRALIAN MUTUAL BANK IS A DIVISION OF TEACHERS MUTUAL BANK LIMITED ABN 30 087 650 459 AFSL 238981.
™Android, the Android logo, Google Play and the Google Play logo are trademarks of Google Inc. Apple, the Apple logo, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
You should consider whether this service is appropriate for you before acquiring it. For additional information, please refer to our Security Guide for electronic transactions and Mobile Banking App Terms of Use, available online. Internet connection is needed to access the app. Normal mobile data charges apply. We test mobile banking to ensure compatibility with most popular devices but cannot guarantee compatibility with all devices and operating systems.
