These terms govern your use of the Mobile Banking App, together with the Australian Mutual Bank Ltd Account & Access Facility Conditions of Use and Summary of Accounts & Availability of Access Facilities.

Getting Started

You will need to be registered for Internet Banking before being able to use the Mobile Banking App. You will be required to have a Member number and a Password. If you have not registered for Internet Banking, contact us.

Using the Mobile Banking App

You can transfer funds, make payments via BPay, Osko/PayID, check account balances and transaction history with a compatible iPhone or Android device.

Making payments

You can make payments using Account and BSB number or via BPay and Osko/PayID.


Authentication – You can choose a 6 figure PIN or a pattern to create a quick login, or you can elect to log in using your member number and Internet Banking password. Biometric login is also available on selected devices.

You must not select a PIN or Internet Banking password that represents your birth date or a recognisable part of your name. If you do use an obvious password such as a name or date you may be liable for any losses that occur as a result of unauth¬orised use of the PIN or Internet Banking Password.

Protecting your PIN or Internet Banking password – Always protect your PIN or Internet Banking password by using a unique number that is not obvious or can be easily guessed. Take precautions when using the App. Try to memorise your PIN or Internet Banking password or carefully disguise it. Never keep a record of your PIN or Internet Banking password with your device, on your device or computer, or tell anyone your PIN or Internet Banking password.

Things you must do – Always lock your mobile device. Advise us immediately if your device is lost or stolen, or you suspect your Mobile Banking app security has been compromised.

Things you must never do – Never leave your device unattended. Never allow another person to use your device to make purchases or payments. Do not use the Mobile Banking app with a device other than a compatible iPhone or Android device.

We may suspend or terminate your use of the Mobile Banking App without notice at any time e.g. if we suspect unauthorised transactions have occurred or that the App is being misused.

Reporting Lost/Stolen Cards – Report your card lost/stolen as soon as possible.

Things you should know

Fees – Refer to the Fees and Charges and Transaction Limits. You may incur charges from your mobile service provider for downloading and using the Mobile Banking app, and/or from Merchants for using the facility.

Using your location data - Granting the App permission to use your mobile device location will enable other functionality e.g. locating our branches Australia wide.

Push Notifications - As part of the Mobile Banking App, you may receive service or marketing notifications from us on your device. You may opt out of the Push Notifications from the Mobile Banking App’s Menu, under notifications or from your phone’s settings depending upon your operating system.


We may change these Terms at any time without prior notice. We will notify you of any material changes by electronic notice to you via your device, the Google Play or App Store. We may require you to confirm your acceptance of these changes as a condition of allowing you to continue using the App.