Online banking support

Adelaide Bank Online Banking is a safe and convenient way to do your banking on the Internet and is available 24 hours a day, 7 days a week. If you're experiencing difficulties or have a question about our Online Banking service please refer to the list of topics below.

If this information doesn't help resolve your problem or if you need further information, please contact us:

Phone-icon  1300 652 220
 Monday to Friday 8am-8pm (CST)
 Saturday 9am-6pm (CST)
 Sunday 10am-6pm (CST)
Email-icon  Complete our enquiry form


Logging on 


How do I log on to Online Banking?
The login screen is the gateway to our Online Banking system. You’ll need to enter your Customer Number and your Personal Access Code (PAC) into the scramble pad to access the system.

What is the scramble pad?
For added security, all customers must use the scramble pad to enter their PAC, which is located on the Online Banking login screen. The scramble pad is used to avoid detection of the Personal Access Code being entered or keyed.

The scramble pad uses letters that are randomly generated and correspond to a numeric digit, see the example below.

 

As an example, if your Personal Access Code was 1234, the letters you would type into the Personal Access Code field on the Online Banking login screen would be U T J D.
 
The scramble pad provides our customers with added security and protection from unknown software, which may be installed on your computer that can record the numbers keyed into Online Banking.

 
What is my Customer Number?
Every customer has a unique Customer Number. If you are the second applicant on an account and have no accounts in your name you may be unaware of your Customer Number. If you are still experiencing difficulties, or need to clarify your Customer Number please call us.



Personal Access Code (PAC


Can you send my Personal Access Code (PAC) to me in an email?
The PAC is a randomly generated secure number and is sent to you via the post to your address on file in a security envelope. Email is not a secure medium of communication and for this reason we do not send PACs via email.

Can I choose my own PAC?
We do not allow you to choose your own PAC at this stage. A random number is securely generated and posted upon registration.

I have forgotten my Customer Number or PAC. What should I do?
If you forget your PAC you can call us to arrange for a new Personal Access Code.  In the event of a forgotten Customer Number, please call us.

What happens if my PAC is suspended?
Your Customer Number will be suspended from Online Banking if the incorrect PAC is entered three or more times.

If your PAC is suspended, you can apply to get your PAC reactivated. Please call us to have a consultant reactivate your PAC.



BPAY®  


Do I need to activate BPAY®?
No. BPAY® is set up automatically when you register for Online Banking.

How do I access BPAY®?
Simply select the BPAY® tab from the main Online Banking window – then select the function button BPAY®.

What are the cut-off times for BPAY payments?
If your payment is made before 4pm South Australian time on a banking day, your payment should be treated as if received by the payee on the same day.
If your payment is made after 4pm South Australian time on a banking day, your payment should be treated as if received by the payee on the following banking day.

The time when the funds will be deposited into the payee's account depends on the systems and policies of the payee's financial institution.

Future-dated BPAY® payments
If you select to pay your bill on a future date you will need to ensure that funds are available in your account before 12 noon (SA time) on the day the payment is to be made. If the selected day happens not to be a banking day we will attempt to make the BPAY® payment the banking day immediately preceding the future dated BPAY® payment. If there are insufficient funds in your account to make the BPAY® payment, an email message will be sent back to your Online Banking mailbox to advise we were unable to make the BPAY® payment.

I am trying to do a BPAY and it keeps on saying "BPAY Input Validation Rejected, the Customer Reference Number is Invalid". I am entering what is on the bill.
When entering the customer reference number, enter the numbers found on your bill, (found under the BPAY® section on the bill you are paying). Please do not enter any spaces or dashes. If the service still rejects the Customer Reference Number, please confirm with the company you are trying to pay whether the number is valid.



AnyPay 


How do I access AnyPay?
Simply select the AnyPay tab from the main Online Banking window.
Account owners (e.g. not operators) can request an increase in the daily limit for AnyPay payments online by clicking on the Optional Daily Limit button within the AnyPay page.
For security purposes, the new daily limit will become available in Online Banking two banking days after the request of the new daily limit. Banking days include Saturdays, but not Sundays or public holidays. Once you have set a daily limit, and the two banking days have elapsed, you will have access to AnyPay.

How do I make an AnyPay payment?
Once you have activated AnyPay, you can then set up regular and future-dated payments by selecting the AnyPay tab option from the main window. Your list of payees will appear.

  • Select the AnyPay tab within Online Banking.
  • You can either "Add Payee" now and return to make the payment another time, or you can “Pay Payee” and have the choice of whether you wish to add this payment to your list for future use.
  • Enter the details of the payment (Name, BSB, Account Number, Reference, Amount and Date).
  • Choose frequency of payment, e.g. a regular weekly payment.
  • Choose a date for the payment. If unchanged, the payment will debit the account immediately.
  • Enter an amount.
  • Once the payment is confirmed, you will be provided a receipt for your records.

What are the cut-off times for AnyPay payments?

  • If your AnyPay payment is made before 4pm South Australian time on a banking day, your payment will be sent overnight.
  • If your AnyPay payment is made after 4pm South Australian time on a banking day, your payment will be sent overnight on the following banking day. For example, payments made after 4pm on Friday will not be sent until after 4pm on the next banking day, e.g. overnight the following Monday.
  • If your payment is not a future-dated payment (e.g. it is to be paid today), regardless of the cut-off time your account will be debited immediately.

The time when the funds will be deposited into the payee's account depends on the systems and policies of the payee's financial institution.

How much does it cost to use AnyPay?
This is dependent on what type of account you are making the transaction from. Call us to discuss.

What types of accounts can I make AnyPay payments to?
AnyPay payments can be made to only Australian bank accounts with a BSB and an account number.

Can I set AnyPay payments to specific frequencies?
You may choose from the following frequencies for AnyPay payments:

  • Once only
  • Weekly
  • Fortnightly
  • Monthly
  • Quarterly
  • Half yearly
  • Annually
  • Four weekly
  • Two monthly

Can I set up future-dated AnyPay payments?

  • AnyPay payments can be future-dated. These payments are debited at approximately 12 noon (South Australian time) on the selected date.
  • If the future date selected is not a banking day, we will attempt to make the payment the preceding banking day.
  • If there are insufficient funds in your account and/or your daily limit on the account is insufficient to make the AnyPay payment, the payment will not be made and an email will be forwarded to you notifying you of the failure.
  • Banking days include Saturdays, but not Sundays or public holidays.

What if I accidentally enter the wrong amount for a payment I make?
Please take care to ensure you key in the correct amount for any payment you wish to make. Ultimately you're responsible for the payments you make, including the amount. If you have entered the wrong amount, you will need to contact the payee to recover any funds you may have overpaid. 

How do I change the optional daily limit for AnyPay payments on my account/s?
Account owners (e.g. not operators) can request an increase in the daily limit for AnyPay payments online by clicking on the Daily Limit Usage button within the AnyPay page.
For security purposes, the new daily limit will become available in Online Banking two banking days after request of the new daily limit. Banking days include Saturdays, but not Sundays or public holidays.
To confirm these instructions, we will send you an email to the email address you have provided (see "Other Services" to update) and the email sender will be notice@anypay.com.au. This is to avoid email tracking software trying to detect emails being sent to customers.

I no longer wish to have access to AnyPay. What do I do?
You will need to set your daily limit to $0 for each account. This can be done via the "Daily Limit Usage" button within AnyPay.
For security purposes, the new daily limit will become available in Online Banking two banking days after request of the new daily limit. Banking days include Saturdays, but not Sundays or public holidays.

Will I lose my payee list if I reduce my AnyPay limit to zero?
No, the payee list will remain. You can at anytime manually delete your payee list entries.

If I remove my access to AnyPay, what happens to regular and future-dated payments I have set up?
Your daily limit must be greater than the amount scheduled to pay your future-dated payments.

How can operators on my accounts get access to AnyPay?
If you wish to provide operators linked to your accounts with AnyPay access, simply click on the "AnyPay Account Authorisation" option to authorise access. The newly added operators will need access to Online Banking, using their own Personal Access Code and Customer Number.

Will operators I have authorised to have AnyPay see payees not related to my business accounts?
The payees list is always the list maintained by the person logged on, and is saved per user. All customers with authorised AnyPay access will see their own payee list when transacting on an account. You may use the "Copy Payees" option within AnyPay to send your list of payees to other operators. This can save the need to re-enter the payee details where there is more than one operator managing the payments of the account.
To confirm these instructions, we will send you an email to the email address you have provided (see "Other Services" to update) and the email sender will be notice@anypay.com.au. This is to avoid email tracking software trying to detect emails being sent to customers. 


 


Batch payments 


The batch/payroll facility allows you to manage the entry and posting of multiple-payment batches. This facility is designed for ease of use and rapid data entry, and allows for multiple batches to be opened and stored simultaneously.

A batch is usually one debit (withdrawal) from an account with more than one credit (deposit) to an account either held at Adelaide Bank or another financial institution.

The Batch (or sometimes referred to as "Payroll") facility helps you to:

  • add, modify and delete payee information
  • select previously created payees for inclusion in a new batch
  • record regular payment amounts for each payee
  • create future-dated batches, as well as modification and deletion of those batches, if not already processed
  • copy existing/previous batches for processing at another time.


General enquiries 


Is Online Banking safe to use?
To protect your information online we have implemented a number of security measures, including:

  • The scramble pad, which provides additional authentication and added security.
  • To ensure your account information is only accessible by you, our Online Banking services employ a secure login process, known as SSL.  With SSL, all information communicated between you and the Bank is encrypted when you are using Online Banking.
  • Adelaide Bank monitors Online Banking and Telephone Banking transactions to help detect any fraudulent activity.

Can I make international transfers from the Online Banking service?
No. To organise an international transfer, please call the phone number on your statement for more information.

How often is my balance updated?
Online Banking gives you a direct connection to our computer systems. This means you have an up-to-the-minute balance of your account. Any online transactions that you make using Express Line or Online Banking are immediately reflected within Online Banking.

If I transfer money today, can I take it out at an ATM or Bank@Post™?
If you transfer money using the "Transfer" button to any of your transaction accounts which allow access via ATM or Bank@Post™, you will be able to withdraw any available funds immediately (subject to normal account withdrawal limits).

Why doesn't my available balance equal my current balance?
Your available balance doesn't include uncleared cheques. If it’s a Visa account, there may be some pledged funds, where a merchant has had a Visa transaction authorised, but has not presented the transaction voucher to the bank. Once all cheques have been cleared and there are no pledged funds, then these two balances should reconcile

Can I find out the interest I earned/paid in the previous financial year with Online Banking?
Yes, the last financial year's interest can be viewed online. You will need to log on to Online Banking, within the ''Other Services'' tab then select ''Tax Information''.

Can I transfer funds from my standard loan account?
You can’t directly transfer from a standard loan account (e.g123456 ML01). If you have any further enquiries, please call us for more information.

Can I update my address via an email or Online Banking?
The Bank requires verification of your personal details before an address update can be performed. This needs to be provided over the phone or in writing.

I have access to Express Line Telephone Banking. How can I do my banking on the Internet?
You may need to have your access upgraded to include both Phone Banking as well as Online (Internet) Banking. You will need to call the phone number on your statement to have a consultant upgrade your access to enable Online Banking. 

Can I use my credit card for purchases over the Internet?
You will need to register your credit card with the Verified by Visa service.



Troubleshooting 


My logon is being rejected. It's stating "a valid Customer Number and Access Code needs to be entered". What am I doing wrong?

  • Ensure you're using your own individual Customer Number and unique Personal Access Code.
  • In most cases, your Customer Number can be found on the top right hand corner of your statement of account, for example 001234567.
  • Only enter the numerical digits. Don't enter the account ledger (e.g. ML01).

Every customer has a unique Customer Number. If you are the second applicant on an account, with no accounts in your name, you may not be aware of your Customer Number. If you’re still experiencing difficulties or need to clarify your Customer Number, please call us.

When I click on the link ‘Log in here’ nothing happens. What do I need to do?
Online Banking will open in a new browser window, so any pop-up blocker software may prevent the new window from opening. You may need to allow the website to open a new page or disable the pop-up blocker temporarily so you can access Online Banking.
I'm logged on to Online Banking and need assistance with the various functions.
Online Banking features an extensive help page for each function within Online Banking. Simply select the "Help" button at the top right of the screen you're on to access useful information for assistance. Alternatively, call us for assistance.

I was transferring funds and I got disconnected from the Internet, can I be sure the transfer worked?
You’ll need to logon again and review the transaction history screen for the appropriate account, to ensure the transaction was executed. If you click on the “Other Services” tab and then “Session Summary” button, you can review the details for the previous log and view the transfers leaving your account.

I’m having trouble seeing the graphics.
If you can’t see the graphics on any page within Online Banking, simply press the F5 key while holding down the CTRL key – this should refresh your page and load all the required graphics.
The transfer button is missing next to one of my accounts. Why?
You cannot transfer from a loan account.

How do I increase the font size?
The font can be increased by holding down the CTRL key on your keyboard and scrolling the mouse wheel up and down until you find a comfortable size.

How do I print the webpage?
If you require a print out of the page, you’ll need to open the printer options window. This can be done by holding the CTRL key on your keyboard and pressing P.  You can also click the F11 key to bring up a menu bar and click on the printer icon.



Terms and Conditions 


You must be familiar with the Terms and Conditions of Online Banking relevant to your account prior to using this service.
If you are unclear about any term or conditions, please call us for assistance.