Can I pay my bills on the Internet?

You are able to pay any bill that features the BPAY® logo. Simply check the BPAY® section within payment methods/options for the bill you're paying. You will need the Biller Code and Customer Reference Number. To make a BPAY® payment you will need to follow the steps below:

• From the My Accounts screen within Online Banking, select the BPAY button located next to the account you wish to pay the bill from.
• Select the BPAY payment option.
• Enter the Biller Code displayed on your bill.
• Enter the Customer Reference Number (CRN) displayed on your bill.
• Select the date you wish to pay your bill on. You can select a date either today or in the future.
• Enter the amount displayed on your bill and click Process.
• Confirm all details are correct on the Payment Confirmation and select Yes to continue.
• An electronic receipt for your bill transaction will then appear.

Cutoff times

• If your bill payment is made before 4pm South Australian time on a banking day your payment should treated as if received by the biller on the same day.
• If your bill payment is made after 4pm South Australian time on a banking day your payment should be treated as if received by the biller on the following banking day.

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 business banking day we will attempt to make the BPAY payment the business day immediately preceding the future dated BPAY payment.
• If there are insufficient funds in your account and/or your daily limit on the account is insufficient to make the BPAY payment, an email message will be sent to your Online Banking mailbox to advise we were unable to make the BPAY payment.

Tips for Telstra bills

Telstra has changed the Customer Reference Number when using BPAY - please turn over your bill and use the reference number provided to you. For Telstra Mobile enter the account number only.

How do I open an account with Adelaide Bank?

For existing Adelaide Bank customers (who have already satisfied the Federal Government's 100 point identification check) visit one of our branches or contact us

If you're not an Adelaide Bank customer, it's still easy to apply for an Adelaide Bank account. All you'll need to do is complete the Federal Government's 100-point identity check. This means providing adequate proof of your identity by showing us various items, one of which must contain your photograph or signature. You'll need your passport or birth certificate plus: driver's licence or two of any of the following items:

• Student or social security card
• Citizenship certificate
• Medicare card
• Credit card
• Electricity or gas bill
• Rates notice

If you become a signatory to an existing account, you will also need to comply with the 100 point identity check.

Do I need to provide my tax file number?

When you open an Adelaide Bank account, we'll ask you for your tax file number. It's not compulsory but if you don't supply it, we're required by law to deduct the highest rate of tax from any interest you earn and forward it to the Taxation Office. Once your number has entered our system, it is strictly confidential. For more information on Resident Withholding Tax, please contact the Australian Tax Office or your accountant.

Where can I find my local branch?

Adelaide Bank has branches located throughout Adelaide and South Australia, click here to find your local branch.

Where else can I do my banking?

Join the thousands of Adelaide Bank customers enjoying the convenience and security of banking without waiting in a bank queue.

You probably already know how to use an ATM (Automatic Teller Machine) to withdraw cash or make a deposit and perhaps you are familiar with EFTPOS (Electronic Funds Transfer at Point Of Sale).

Some customers have used the Bank@Post ™ service from Australia Post in areas where we do not have a branch, but...

Have you ever used BPAY to pay your bills and accounts over the phone or the Internet? Do it yourself banking puts our customers back in control over their banking requirements, are you in control of yours?

At Adelaide Bank, we are installing our D.I.Y. banking services such as Online Banking, Express Line and ATMs within many of our branches for more convenient, stress free banking within the comfort and security of a branch.

To learn more about Online Banking, simply go to our learn more area or call us on 13 22 20 (SA) or 1300 65 22 20 (outside SA) to find out more.

What is EFTPOS?

Electronic Funds Transfer at Point Of Sale

Adelaide Bank cardholders (Cashcard / Visa) can use more than 348,000 EFTPOS terminals throughout Australia.

Businesses that have EFTPOS facilities encourage its use and will generally display the 'e' logo. EFTPOS simply transfers the value approved by you from your selected account, into the account held by the Merchant (business).

You can use your Cashcard or Visa card to access your cheque, savings or credit card account to pay for goods and services, even withdraw cash at some locations. Your PIN is used to authorise transactions on your cheque and savings account and your signature from your Visa card is used to verify your transactions.

Adelaide Bank businesses can benefit from having EFTPOS Merchant facilities as they reduce the cash holdings and attract more sales. To find out more about Adelaide Bank EFTPOS, call our Merchant Services experts.

What are your branch hours?

The Adelaide Bank branch hours are:

• 9am to 5pm weekdays, except Wednesday where branches are open from 10am due to staff training.
• A selection of our branches are also open Saturdays.

How can I get in contact with you?

Adelaide Bank can be contacted between the hours of 8am to 8pm weekdays, 9am to 6pm Saturdays and 10am to 6pm on Sundays. Visit our 'Talk to me' section to contact us by telephone, email or - have us call you!

What is web call back?

Adelaide Bank has a new service available to customers called web call back. Anytime you encounter this graphic of a telephone , click on it and tell us your name, phone number and type of enquiry. We will return your call the next business day. If you have a preferred contact time please include it within "Your question".

I'd like to write to Adelaide Bank

Written correspondence can be addressed to:
Adelaide Bank
GPO Box 1048
Adelaide
South Australia 5001

Can I view my accounts online and check my balance over the phone?

Adelaide Bank's Online Banking facility enables you to check your balances, transfer funds or print off statements. Online Banking is accessed from this website via our home page. If you do not have frequent access to the Internet you can check your account balances by dialing our 24 hour Express Line phone banking service. The number you dial to access the service is (08) 8300 7000 (SA) or 1300 300 893 (outside SA). Express Line will allow you to access most of the features available within Online Banking.

I'm interested in opening an account with Adelaide Bank. What types of accounts are there?

Adelaide Bank has a variety of savings, investment, loan and Visa account options to meet your needs. Click on the link for further information on savings, investments, loans or Visa.

Do you have an account free from bank fees where I can deposit money regularly for savings?

Our Serious Saver account is designed for people who wish to put away regular amounts of savings and like to work toward their goals. The account has a generous interest rate and has no account keeping fees. You simply decide on the amount you wish to save and the time you wish to save it in. To help ensure you reach your goal we offer incentives for Serious Savers whose balance reaches the set target at the agreed time. Click here to find out what the incentives are.

I am a full time student and stick to a tight budget; do you have an account that has no monthly account-keeping fee?

The Adelaide Bank Student Card account is suited specifically for students and has no monthly account keeping fees. You only need one dollar to open the account and you will start earning interest, calculated daily. The account can be accessed 24 hours a day through our own ATM network, Express Line and Online Banking. As a bonus show your Student Card account at any McDonald's® when you buy a large burger and receive a free small soft drink of your choice.

What are your fees and charges?

Adelaide Bank's account service fees are calculated monthly on the balance of your account. You can avoid paying this service fee by keeping your ongoing balance above $1000 throughout the life of your account. Adelaide Bank also charges transaction fees. All accounts are allocated a certain amount of 'free' transactions per month, dependent on the balance of the account. If you do not exceed your monthly allocation and keep a minimum of $1000 in your account at any given time, you can effectively have a bank account free from transaction and service fees and charges. Click here to find out more, or contact us on 13 22 20 (SA) or 1300 652 220 (outside SA).

Can I choose my own Personal Identification Number (PIN) for my ATM card?

No. Adelaide Bank highly values customer security and makes every effort to reduce the possibility of fraud on bank accounts. Because of this, we do not allow our customers to choose their own PIN. Your PIN is a random, computer generated number that is made known only to you; even Bank staff are unaware of this number. Should you misplace or lose your PIN, Bank staff can re-order it via computer but will not be able to read it out to you.

I am currently living overseas and I am moving to Australia soon. Can I open an account with you before I arrive?

The easiest way to open an account is to wait until you arrive in Adelaide. All you will need to do is go into a branch within 6 weeks of your arrival and submit your International Travel Documents. Australian legislation requires a person who is living outside Australia and wishes to become a signatory to an account with an Australian Bank be correctly identified. This identification can be performed by an acceptable referee. The referee must complete and sign a form called 'Identification Reference for a Signatory to an Account'. You may choose to send your funds by Overseas Draft which can be forwarded by mail, together with the completed account application and identification reference form. Or your funds can be sent to us by telegraphic transfer. If you select to use a telegraphic transfer, an Adelaide Bank account must be opened prior to your funds being transferred. The selected account will be opened for you as soon as Adelaide Bank receives the completed account application and identification reference forms from you.

I am interested in a career in the financial sector and would like to inquire about gaining a position within your Bank. Who should I send my resume to?

You can email your resume including a short cover letter advising of the area you are interested in to hr@adelaidebank.com.au. Alternatively a hard copy version can be posted to:
Adelaide Bank
Human Resources
GPO Box 1048
Adelaide SA 5001

Can I transfer funds to non-Adelaide Bank accounts online or do I need to go to my local branch?

AnyPay is a service within Online Banking that enables funds to be transferred from your Adelaide Bank account to another bank account with another Australian financial institution

As an Online Banking customer you have automatic access to use AnyPay. To activate, simply assign a daily limit to an account and within 2 business days, the limit will be available.

I have checked my account today and my weekly pay from my employer has not gone into my account. How can I find out what has happened to my pay?

If the credit is a regular pay and has been processed to your account successfully in the past, the missing payment is likely due to your employer or your employer's bank failing to forward the payment to Adelaide Bank in time for overnight processing. Please confirm with your employer the BSB and Account number used and that their bank did not encounter any problems with their processing prior to contacting us.