payments

Payments

• Can I make Future-dated and Recurring Payments using Online Business Banking?
• How do I create a single/multiple BPAY payment?  
• How do I create a single/multiple pay anybody or payroll payment?
• Internal Transfers  
• Pay Anybody  
• Payroll  
• File uploads  
• BPAY®
• Direct Debits  
• Linked Account Transfers  
• How far in advance can I schedule a payment for processing?  
• Approving Payments  
• Why can't I transfer funds to my credit card accounts at other banks?

• Can I make Future-dated and Recurring Payments using Online Business Banking

  You can use Online Business Banking to create both Future-Dated and Recurring Payments, and create a payment to occur on a business day for up to 3 years in the future.
  
  You can also select a payment to recur on a daily, weekly, fortnightly, monthly, quarterly, half-yearly or yearly basis - either until a specific date or for a specific number of times (in addition to the initial payment).

• How do I create a single/multiple BPAY payment?

  Pay over 17,000 Billers using our BPAY functionality. It's fast and easy and you can make up to 10 BPAY payments with only one debit from a nominated account.
  
  Show me the demo of this feature using Online Business Banking.

• How do I create a single/multiple pay anybody or payroll payment?

  Learn how to  Create a single/multiple Pay Anybody or Payroll Payment   from your nominated account/s by viewing our demo. You can also follow our step by step guide below.

  
  

  Create a Single/Multiple Payment

  • Select Create under the payments / Transfer group;
  • Select the payment type required from the drop-down list;
  • Enter the information required as detailed below.

  Create a Payment using File Upload

  • Select Create under the payments / Transfer group;
  • Select the payment type required from the drop-down list;
  • Follow the detailed steps provided below.

  Note: Files in .aba format can be imported inot Online Business Banking. Please note that when creating the electronic payment format within your accounting package (eg Agrimaster, MYOB, Quicken), you will need to enter the following details:

  • Bank Code BWA
  • Bank ID / APCA Number / Direct User ID 175029
  • Self Balanced File Option YES
  • APCA Name (Your Company/Business name)

  Note: More information about setting up and using .aba files is available on request.
  
  If you need any technical support, don't hesitate to call us on 13 7000. We're available Mon to Fri from 6.00am to 6.00pm WST.

• Internal Transfers

  An Internal Transfer can be created to transfer funds between your nominated accounts.
  
  Note: Funds cannot be transferred BETWEEN credit card accounts.

  • Internal Transfers made prior to 8.00pm WST will be processed immediately, displaying the current Bankwest business day's date.
  • Internal Transfers made after 8.00pm WST, or on a non-Bankwest business day, will be processed immediately and will display the next Bankwest business day's date.
  • Internal Transfers made to credit cards prior to 8.00pm WST will be processed by Bankwest overnight displaying the current Bankwest business day's date. The Internal Transfer will be reflected in the available funds field the following Bankwest business day.
  • Internal Transfers made to credit cards after 8.00pm WST, or on a non Bankwest business day, will be processed by Bankwest the next business day and will display that day's date. The Internal Transfer will be reflected in the available funds field the following Bankwest business day after processing.

  Create an Internal Transfer

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select Internal Transfer from the drop-down list and click Next.

  Step 2.

  • Select the debit account from the drop-down list;
  • Select a name under which the payment is to be transferred;
  • Enter a Payment Description. This will appear on the account's bank statement;
  • Enter a Processing Date;
  • Select a Frequency for the payment from the drop-down list. (Note: default is 'One-off transfer');
  • Enter an 'Until' date, or the number of times you require the payment to be made;
  • Click Next.

  Step 3.

  • Select the nominated accounts to which you wish to transfer money;
  • Enter a narration for each selected account. This will appear on the account's bank statement;
  • Enter the amounts you wish to transfer;
  • Click Next.

  Step 4.

  • Create the payment or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

• Pay Anybody

  A Pay AnyBody payment can be used to transfer funds from one of your nominated accounts to accounts at any Financial Institution in Australia.
  
  NOTE: Pay AnyBody Payments cannot be made to other bank credit card accounts.
  
  NOTE: Where Immediate Pay AnyBody payments to Non Bankwest accounts are processed by you after 3.00pm WST or on a non-business day, funds will be withdrawn from your account immediately and the transaction will be effected on the next business day.
  
  You can pay up to 500 recipients at any one time using multiple Pay AnyBody, Payroll or Direct Debits.
  
  Note: The File Upload functionality via Online Business Banking enables you to transfer up to approximately 100,000 records (15 MB).
  
  Each Pay AnyBody payment will show as a single debit on your statement. For example, a payment that contains 5 credits will show as a single debit on your account. You are still able to view the details of the 5 credit recipients via OBB.

  Create an Pay Anybody Payment

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select Pay AnyBody from the drop-down list and click Next.

  Step 2.

  • Select the debit account from the drop-down list;
  • Select a name for the payment is to be transferred under;
  • If appropriate, select a recipient set for the payment;
  • Enter a Payment Description. This will appear on the account's bank statement;
  • Enter a Processing Date;
  • Select a Frequency for the payment from the drop-down list. (Note: default is 'One-off transfer');
  • Enter an 'Until' date, or the number of times you require the payment to be made;
  • Click Next.

  Step 3.

  • Select the recipients to whom you wish to transfer money by selecting them from the recipients drop-down list and clicking 'Add to Payment' OR;
  • Enter new recipients you wish to transfer money to by typing in their details and clicking 'Add to Payment';
  • Enter a narration for each selected recipient. This will appear on the recipient account's bank statement;
  • Enter the amounts you wish to transfer;
  • Click Next.

  Note: By ticking the 'Save new recipients' tick box, new recipients will be saved to your recipient list.

  Step 4.

  • Create the payment or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

• Payroll

  A payroll payment can be used to transfer funds from one of your nominated accounts to accounts at any Financial Institution in Australia.
  
  Note: Payroll Payments cannot be made to other bank credit card accounts.
  
  NOTE: Where Immediate Payroll payments to Non Bankwest accounts are processed by you after 3.00pm WST or on a non-business day, funds will be withdrawn from your account immediately and the transaction will be effected on the next business day.
  
  You can pay up to 500 recipients at any one time using multiple Pay AnyBody, Payroll or Direct Debits.
  
  Note: The File Upload functionality via Online Business Banking enables you to transfer up to approximately 100,000 records (15 MB).
  
  Each Payroll payment will show as a single debit on your statement. For example, a payment that contains 5 credits will show as a single debit on your account. You are still able to view the details of the 5 credit recipients via OBB.
  
  The payroll payment type can be assigned to nominated Users. This will protect the confidentiality of payroll information.

  Create an Payroll Payment

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select Payroll from the drop-down list and click Next.

  Step 2.

  • Select the debit account from the drop-down list;
  • Select a name for the payment to be transferred under;
  • If appropriate, select a recipient set for the payment;
  • Enter a Payment Description. This will appear on the account's bank statement;
  • Enter a Processing Date;
  • Select a Frequency for the payment from the drop-down list. (Note: default is 'One-off transfer');
  • Enter an 'Until' date, or the number of times you require the payment to be made;
  • Click Next.

  Note: By ticking the 'Save new recipients' tick box, new recipients will be saved to your Recipient list.

  Step 3.

  • Select the recipients to whom you wish to transfer money by selecting them from the recipients drop-down list and clicking 'Add to Payment' OR;
  • Enter new recipients you wish to transfer money to by typing in their details and clicking 'Add to Payment';
  • Enter a narration for each selected recipient. This will appear on the recipient account's bank statement;
  • Enter the amounts you wish to transfer;
  • Click Next.

  Step 4.

  • Create the payment or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

• File Uploads

  Files in .aba format can be imported (e.g. from your account software package such as Agrimaster, MYOB, Quicken) into Online Business Banking. The payment types available via File Upload are:

  • Pay Anybody;
  • Payroll; and
  • Direct Debits (subject to approval).

  Uploading a File

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select the payment type from the File Upload drop-down list.
  • Click Browse to locate the file to upload.

  Step 2.

  • Select the location and the file to be uploaded and click Open. The path and name of the file is displayed in the File field;
  • Click Next.

  Step 3.

  • Create the File Upload or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

  File Uploads can be assigned to Nominated Users. This will protect the confidentiality of file information.
  
  All payment files that have been uploaded can be viewed in full.
  
  Show me the demo  of this feature using Online Business Banking.

• BPAY

  A BPAY payment can be used to transfer funds from one of your nominated accounts to any BPAY biller (displaying the BPAY logo).
  
  Each BPAY payment will show as a single debit on your statement.
  
  You can create up to 10 BPAY payments at a time, however, multiple BPAY payments will show as a single debit on your statement.
  
  Immediate BPAY payments received by the Bank after 4.00pm WST or on a non-business day will be processed on the next business day.
  
  Future-dated BPAY payments will be processed subject to sufficient cleared funds being available in your account at the start of the day on the scheduled date.

  Create an BPay Payment

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select BPay from the drop-down list and click Next.

  Step 2.

  • Select the debit account from the drop-down list;
  • Select a name for the payment to be transferred under;
  • Enter a Payment Description. This will appear on the account's bank statement;
  • Enter a Processing Date;
  • Select a Frequency for the payment from the drop-down list.;
  • Enter an 'Until' date, or the number of times you require the payment to be made;
  • Click Next.

  Step 3.

  • Select the billers to whom you wish to transfer money OR;
  • Enter new billers to whom you wish to transfer money by typing in their details and clicking 'Add to Payment';
  • Enter a Customer Reference Number for each selected biller;
  • Enter the amounts you wish to transfer;
  • Click Next.

  Step 4.

  • Create the payment or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

• Direct Debits

  A Direct Debit can be used to transfer funds to one of your nominated accounts from accounts at any Financial Institution in Australia.
  
  Note: Direct Debits cannot be made from other bank credit card accounts.
  
  Note: Direct Debit is only available to approved customers.
  
  You can debit up to 500 remitters at any one time using multiple Pay AnyBody, Payroll or Direct Debits.
  
  Note: The File Upload functionality via Online Business Banking enables you to transfer up to approximately 100,000 records (15 MB).
  
  Each Direct Debit will show as a single credit on your statement.

  Create an Direct Debit

  Step 1.

  • Select Create under the Payments / Transfer group;
  • Select Direct Debit from the drop-down list and click Next.

  Step 2.

  • Select the credit account (receiving account) from the drop-down list;
  • Select a name for the Direct Debit to be transferred under;
  • If appropriate, select a remitter set for the payment;
  • Enter a Description. This will appear on the account's bank statement;
  • Enter a Processing Date;
  • Select a Frequency for the Direct Debit from the drop-down list;
  • Enter an 'Until' date, or the number of times you require the Direct Debit to be made;
  • Click Next.

  Step 3.

  • Select the remitters from whom you wish to transfer money OR;
  • Add the remitters from whom you wish to transfer money by selecting them from the remitters drop-down list and clicking Add OR;
  • Enter new remitters from whom you wish to transfer money by typing in their details and clicking Add;
  • Enter a narration for each selected remitter. This will appear on the remitter's bank statement;
  • Enter the amounts you wish to transfer;
  • Click Next.

  Note: By ticking the 'Save new recipients' tick box, new recipients will be saved to your recipients list.

  Step 4.

  • Create the Direct Debit or if you are a Master User, approve the Direct Debit (by entering your Secure Code and Clicking Confirm).

• Linked Account Transfers

  Linked Account Transfers are only available via OBB if you have a Business TeleNet Saver Account.

  • From your Business TeleNet Saver account to your Nominated account or
  • From your Nominated account to your Business TeleNet Saver account.

  You can only process one Linked Account Transfer at a time.
  
  All Linked Account Transfers must be input before 3.00pm WST on a business day to be processed by Bankwest on that day.
  
  All Linked Account Transfers input after 3.00pm WST, on weekends, or on public holidays will be processed on the next business day.
  
  All Linked Account Transfers to/from accounts at other financial institutions are processed overnight. It may take up to three working days for the other financial institution to process the transfer.
  
  Future-dated or recurring Linked Account Transfers will be made subject to sufficient cleared funds being available in your account at the start of the day on the scheduled date.

  Create an Linked Account Transfer

  Step 1.

  • If you only have a Business Telenet Saver Account on OBB;
  1. Click Payment/Transfer and simply enter the details of the Linked Account Transfer as per Step 2 below
  • For all other customers;
  1. Select Create under the Payments/Transfer group;
  2. Select the Linked Account Transfer payment type from the drop-down list and click Next.

  Step 2.

  • On the Payment - Linked Account Transfer window select the Business TeleNet Saver account on which you wish to transact;
  • Enter a Payment Description/Narration. This will appear on both bank statements;
  • Enter a Payment Description. This will appear on the account's bank statement;
  • Select an arrow direction for the transfer;
  • Enter the amount you wish to transfer;
  • Enter a Processing Date;
  • Select a Frequency for the payment from the drop-down list.;
  • Enter an 'Until' date, or the number of times you require the payment to be made. (Not required for one-off transfer);
  • Click Next.

  Step 3.

  • Verify details of payment to be made;
  • Create the payment or if you are a Master User, approve the payment (by entering your Secure Code and Clicking Confirm).

  Show me the demo  of this feature using online business banking.

• How far in advance can I schedule a payment for processing?

  Up to 3 years ahead if you wish - you can also copy payments to save time if you need to make similar payments regularly. There is also a facility to view all the Bankwest payments you've made within the last 90 days via Transaction Search.

• Approving Payments

  A Master User must approve a payment before it can be processed. A Master User is a signatory on the account from which the payment is being made. If a non-Master User creates a payment, the payment will reside in the Pending module awaiting approval by a Master User/s.
  
  If an account requires dual signatures, two Master Users are required to approve the payment. Payments of this type will reside in the Pending module of Payments until dual approval has been completed.
  
  Note: Future-dated Payments will remain in Pending even after approved, until the elected Payment date.

  
  

  Approve a Payment (Master Users Only)

  • Select Pending under the Payments / Transfer group;
  • Sort or filter payments as required;
  • Click the payment number for the payment you wish to approve;
  • Enter your Secure Code;
  • Click Confirm.

  Note: Online Business Banking enables you to approve multiple payments/tranfers at the one time - using your secure code.

• Why can't I transfer funds to my credit card accounts at other banks?

  At the moment, direct payments to credit cards issued to you by other banks can't be made via Online Business Banking because of the different ways that banks format their credit card account numbers.
  
  One way round this challenge is by using BPAY – it's worth checking whether your other credit cards can accept BPAY payments.