payments & transfers

• Make a Payment
• Scheduled Payments
• Payment History
• Manage Recipients
• Payment Limits

Making payments from the convenience of your home or office

Using Bankwest Online Banking you can make a payment or transfer with just a few clicks. We have a number of different payment options, so choose the one that best suits your needs.

• Pay AnyBody: a simple way to transfer money to anyone with an Australian bank account
• BPAY®: allows you to pay your bills online using BPAY
• Internal Transfer: ideal for transferring between your own Bankwest accounts
• Linked Account Transfer: move your money between your Bankwest account and its linked account

To make a payment to an account, you need to be registered with BOB first. Once you're signed up and logged into BOB, select make a payment from the payments & transfers menu, select your required payment type and follow the prompts on the transfer page.

BOB will automatically save your payee details for you so you can save time if you’re frequently making payments to a friend’s account.
 

Pay AnyBody

Save yourself the envelope and stamp. A Pay AnyBody payment can be used to transfer money from your account to any transactional account at any bank or financial institution in Australia.

When making payments to a new recipient or above a certain amount you will be prompted to enter an SMS code so make sure you have your mobile handy. If you’re not registered for SMS code then you’ll be prompted to answer two of your secret questions instead.

NOTE: Payments cannot be made to another bank's credit card. Transfers like this can be processed via BPAY as long as that institution provides a Biller Code on your statement. 

NOTE: If you need to make Pay AnyBody transfers to another Bankwest account, this will generally be processed within the hour (even on weekends and public holidays). Payments being sent to non Bankwest accounts are processed at 3:00pm AWST and if your transfer is made after 3:00pm AWST, on the weekend or on a national public holiday, we will process it for you the next business day. Please note it can take up to 3 days for other banks to process the transfer.

TIP:You can pay up to 500 recipients at a time using Pay AnyBody within Bankwest Online Banking and each payment will show as a single debit on your eStatement.

If you're creating future-dated or recurring Pay AnyBody transfers you will need to ensure there is sufficient funds in your account on the day that the transfers are due to be processed.

• How do I make a Pay AnyBody transfer?

  
  
  • interactive step by step instructions

  Step 1

  1. select make a payment from the payments & transfers menu
  2. select Pay AnyBody and the next screen will appear

  Step 2

  1. select the account you want to debit from the drop-down list
  2. enter a payment description for your records (this will appear on your bank statement)
  3. enter a processing date for your transfer (this field will default to today's date so please change if needed)
  4. if you need to make recurring payments (for example your rent or paying off a loan) select a frequency for the payment from the drop-down list and enter an until date or the number of times you require the payment to be made
  5. click next

  Step 3

  1. if you're making a transfer to someone that you have transferred to in the past and saved their details, you can select the recipient from the payment list
  2. if the recipient is not on your saved list, please enter in all the required information and click add to payment list
  3. once the payment has been added to the payment list click next

  TIP: if your payment is above your daily payment limit then you can quickly increase your limit by selecting change payment limit below the amount box.

  Step 4

  1. verify details of payment/s to be made and click confirm to process the payment
  2. click confirm to process the payment

  TIP: BOB will automatically save a new recipient to your Pay AnyBody recipient list so it’s quicker to pay your friends in the future. Uncheck the save new recipient option before you click confirm if you don’t want their details saved.

  Step 5 only required if the payment is to a new recipient or above a certain dollar amount

  1. if you’re registered for SMS code click SMS me now. We’ll send the SMS code to your mobile via text straight away. Check the transaction details are correct and type the 6 digit code into the enter SMS code box
  2. click submit to complete the payment

  TIP: If you’re not registered for SMS code then you’ll be prompted to answer two of your secret questions.

  • see what a payment looks like with SMS code
     

• Why do I need to confirm my identity for some transactions?

  To help ensure your online banking is as safe as possible we need to verify that all high value transactions or transfers to new recipients are made by you.

• Can I make payments to new billers on my mobile?

  As mobile phones can be easily lost or stolen you’ll only be able to make payments to existing recipients using your mobile. This is also why you have a maximum daily mobile limit of $2,000.

  BOB will automatically save a new recipient when using the full site so you can conveniently make future payments to family and friends using your mobile.

BPAY

Do you often find yourself wishing there were more hours in the day? We aren't magicians to make this happen, but our BPAY solution can help you find some extra time during the day. BPAY allows you to pay your bills via online banking so you won't have to waste your time lining up in queues at the post office.

When making payments using BPAY it is important to know the payment processing and cut-off times.

When making payments to a new recipient or above a certain dollar amount you will be prompted to enter an SMS code so make sure you have your mobile handy. If you’re not registered for SMS code then you’ll be prompted to answer two of your secret questions instead.

You can pay up to 50 billers at a time using BPAY within Bankwest Online Banking and each BPAY payment will show as a single debit on your statement/eStatements.

If you're creating future-dated or recurring BPAY payments, you will need to ensure there are sufficient funds on your account on the day that the transfers are due to be processed.

NOTE: Some BPAY billers do not allow payments from credit card accounts.

• How do I make a payment using BPAY?

  
  
  • interactive step by step instructions

  Step 1

  1. select make a payment from payments & transfers menu on the left hand side of the screen
  2. select  BPAY payment option 

  Step 2

  1. select the account  you want to debit from the drop-down list
  2. enter a payment description for your records (this will appear on your bank statement)
  3. enter a processing date for your transfer (this field will default to today's date so please change if needed)
  4. if you need to make recurring payments select a frequency for the payment from the drop-down list and enter an until date or the number of times you require the payment to be made. (Not required for one-off transfers)
  5. click next

  Step 3
  

  1. if you're making a transfer to a regular biller and have their details saved, you can select them from the payment list
  2. if the biller (Company) is not on your saved list, please enter in the biller code, customer reference number and amount and click add to payment list
  3. once the payment has been added to the payment list click next

  TIP: BOB will automatically save a new biller to your BPAY recipient list so it’s quicker to pay your friends in the future. Uncheck the save new recipient option before you click confirm if you don’t want their details saved.
  
  Step 4

  1. verify details of payment/s to be made
  2. click confirm to process the payment

  Step 5 - only required if the payment is to a new biller of above a certain dollar amount

  1. if you’re registered for SMS code click SMS me now. We’ll send the SMS code to your mobile via text straight away. Check the transaction details are correct and type the 6 digit code into the enter SMS code box.

  TIP: If you're not registered for SMS code then you'll be prompted to answer two of your secret questions instead.

  • see what a payment looks like with SMS code

• Why do I need to enter confirm my identity for some transactions?

  To help ensure your online banking is as safe as possible. If someone else got access to your online banking details then the potential harm will be significantly reduced because you need to enter an SMS code or answer some secret questions to transfer money to a new recipient or above a certain amount.

• Can I make payments to new billers on my mobile?

  No. Mobile phones can be easily lost or stolen so to help reduce the risk of any unauthorised activity you’ll only be able to make payments to existing recipients using your mobile. This is also why you have a maximum daily mobile limit of $2,000.

  BOB will automatically save a new recipient when using the full site so you can conveniently make future payments to family and friends using your mobile.

Internal Transfer

An internal transfer can be created to transfer funds between your accounts within Bankwest Online Banking.

NOTE: Funds cannot be transferred between credit card accounts. Internal transfers from your credit card to your transaction accounts are classified as cash advances and you may be charged a cash advance fee.

Internal transfers to your transaction accounts or credit card accounts from another transaction account are processed immediately.

If you're creating future-dated or recurring internal transfers you will need to ensure there are sufficient funds in your account on the day that the transfers are due to be processed.

• How do I transfer my money between my Bankwest accounts?

  
  
  • interactive step by step instructions

  Step 1

  1. select make a payment from the payments & transfers menu
  2. select Internal Transfer and the next screen will appear

  Step 2

  1. from the drop down list, select the account you want to transfer from
  2. enter a payment description from your records(this will also appear on your eStatements or paper statements)
  3. enter the date you would like the transfer to be made (defaults to current date)
  4. Select a frequency, until date or the number of times you require the payment to be made from the drop down menu (not required for once-off transfers)
  5. click next

  Step 3

  1. select the nominated accounts you wish to transfer money to
  2. enter a narration for each selected account (this will appear on the account's statement)
  3. enter in the amounts you wish to transfer
  4. click next

  Step 4

  1. verify details of the transfer you're making
  2. click confirm to complete your payment

Linked Account Transfers

Linked accounts transfers work a little bit differently to internal transfers as you can only transfer funds between your online savings account and its linked account. Transfers to and from linked accounts can be made in the following ways:

• from your TeleNet Saver, Smart eSaver or Online Term Deposit (also known as tddirect) account to your linked account
• from your linked account to your TeleNet Saver of Smart eSaver
• from your linked account to your Online Term Deposit (also known as tddirect) account (when Online Term Deposit account is in grace)

NOTE: Transfers to TeleNet Saver, Smart eSaver or Online Term Deposit (also known as tddirect) accounts can only be made from your nominated linked account.

You can only process one linked account transfer at a time in Bankwest Online Banking.

If you're creating future-dated or recurring linked account transfers, you will need to ensure there are sufficient funds in your account on the day (ie: as soon as it ticks over midnight the night before) that the transfers are due to be processed.

• How do I make transfers between my linked accounts?

  
  
  • interactive step by step instructions

  Step 1

  1. select make a payment from payments & transfers menu
  2. select linked account transfer and the next screen will appear

  Step 2

  1. select the TeleNet Saver, Smart eSaver or Online Term Deposit (also known as tddirect) account you wish to transact on
  2. enter a description that will appear on both bank statements
  3. select a direction for the transfer (i.e to your Bankwest savings account or to its nominated linked account)
  4. enter the amount you wish to transfer
  5. enter a processing date
  6. select a frequency for the payment from the drop-down list
  7. enter an until date or the number of times you require the payment to be made (not required for one-off transfer)
  8. click next

  Step 3:

  1. verify details of payment to be made
  2. click confirm to complete the transfer