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Each branch has its own BSB, which can be found here.

If you have opened an account online, your BSB is 680

You may choose to open an account with someone else. If so, you can choose to provide full access to both account holders to transact independently, or you may request to configure your account so that both account holders are required to approve transactions (two-to-sign authority).

You can update your details by contacting your local branch on 13 95 00 (Mon-Fri, 9am-5pm AEST) or by sending us a secure message via Internet Banking.

If you wish to close any of your Bank of Sydney accounts, you can visit any of our branches during business hours, or call us on 13 95 00 (Mon-Fri, 9am-5pm AEST). Please note you should transfer your remaining account balance out to another Bank of Sydney or external bank account prior to asking for the closure.

The Common Reporting Standard (CRS) and the Foreign Account Tax Compliance Act (FATCA) are global standards for the collection and reporting of information on financial accounts held by foreign tax residents. Australian Financial Institutions are required to collect information regarding foreign tax residency from their customers and to provide the information to the Australian Taxation Office (ATO).

For more information, please click here.

You will use your Customer Reference Number (CRN) to log in to Internet and Mobile Banking. If you have forgotten your CRN, please check recent emails or letters we have sent to you to locate it, if you still cannot locate your CRN please do call us on 13 95 00 or visit your nearest branch for assistance.

Yes, you can create a nickname for all your Bank of Sydney accounts.
1. Log into Internet Banking
2. Go to 'Accounts & Cards'
3. Click the pencil icon next to the Account Name under Account Details
4. Enter your preferred account nickname
5. Submit your changes.

Scheduled and/or recurring payments can be setup for Transfers, Pay Anyone, BPAY, ABA File Payments and Multi-Entry Transactions.
When creating a payment:
1. Select 'Schedule Payment (Optional)' under the Payment Details section
2. Select the future date for the transactions and/or select to enable recurring payments and select the desired frequency.
3. Submit and authorise the payment
Once you have successfully authorised a scheduled and/or recurring payment, you will be able to see and edit it under ‘My Payments’ on the Payments dashboard.
Note, Overseas Payments cannot be scheduled or set as recurring payments.

You can find the details of your past transactions under ‘My Payments’ on the Payments dashboard.
To do this:
1. Login to your Internet Banking
2. Go to Payments
3. Select ‘Payments History’
4. If required, click on the filter icon to apply a date range or search by transaction type to locate the transaction
5. Once located, click on the transaction to view all details
6. If required, click 'Dowload Receipt' to download a PDF receipt with all transaction details.

Online statements are only available for the primary account holders for personal accounts and can be downloaded via Internet Banking or Mobile Banking by selecting the account, clicking 'View Statement' and search and download the required statement.

You can update your statement preferences any time within Internet and Mobile Banking.
1. Navigate to the Statements Preferences sceen via the 'Manage' tab on your Account summary screen
2. Select to receive your statement's as 'Online'
3. Enter the security code sent to you via SMS
4. Your statement preference has now bee successfully updated.

You can update your daily payment limit between $0 and the maximum allowed limit at any time, via Internet Banking.
1. Log into Internet Banking with your personal credentials
2. Go to Settings
3. Click ‘Daily Limits’
4. Select ‘Define my own limits’
5. Type in your preferred amount
6. Confirm the changes by authorising via SMS or push notification

Internet Banking daily limit increases are valid for 1 business day, afterwhich the daily limits will revert back to the default limits.

If you need a permanent increase, you’ll need to send a Service Request via Online Banking.

By default, your Internet Banking limits are as below:

Within Own Account Transfers:	Unlimited Amount
Domestic/Within BOS Transfers:	$10,000
BPAY (Bill Payments):	$10,000
International Payments:	$5,000

Service Requests allow you to send instructions to Bank of Sydney, for example to increase your credit limit or to withdraw funds from your maturing Term Deposit.

This function is available via Internet Banking and the Bank of Sydney Mobile Banking App.

The easiest way to provide your Term Deposit maturity instructions to Bank of Sydney is by sending a Secure Message in Internet Banking.

To send a secure message in Internet Banking:

Log into Internet Banking by visiting banksyd.com.au
Click on the envelope icon on the top right corner of your home page
Select ‘+ New Message’
Type in your maturity instructions
Send
Confirm via SMS or push notification

Please note this function is only available on Internet Banking, and not via the mobile app.

You can download the Bank of Sydney Mobile Banking App via the app stores on both iOS and Android devices. Once you’ve downloaded the app, use your Customer Reference Number to log in.

Your access to Online Banking will be blocked after five (5) consecutive wrong password attempts.

If your Online Banking access is blocked, you need to contact us on 13 95 00 or visit your nearest Branch to unblock your access.

If you’re planning to go overseas, there are different ways to access your Internet Banking:

If you’re going to use your Australian number while you’re overseas, there’s nothing to worry about. If you need to authorise any transactions, you’ll still receive the SMS notifications.
If you’re planning to change your number when you arrive at your destination and you already know your overseas number, you must inform us by sending a secure message with your new number so we can change your contact details before you start your trip.

If your Online Banking access to an account is ‘Enquiry Only’ you will be able to see the account and the list of transactions associated with it, however you won’t be able make payments or update the account via Online Banking.

If you believe you should have full access to any of your accounts, please contact us on 13 95 00.

If you wish to change your contact details (mobile number or email address) please send us your new contact details within a service request in Online Banking or contact our customer service team on 13 95 00.

If you would like to update your residential, work or postal address, you can log in to Online Banking and update your address under the Profile & Settings section.

Alternatively, you can visit your nearest BOS branch to fill up the ‘Change of Details’ form.

For Internet Banking Payments the cut-off time is 4:30pm (AEST) Monday to Friday (Excluding Public Holidays).

For BPAY the cut-off time is 4:00pm (AEST) Monday to Friday (Excluding Public Holidays).

No, when you make a transaction and the status is pending, you won’t be able to stop the transaction as the payment has already been authorised.

If you make a BPAY transfer before 4:00pm AEST during business days, it usually takes 48 hours to reach the biller. However in some cases this might take up to 5 business days depending on the biller processing schedule.

To view or download an account statement:
1. Log in to Internet Banking.
2. Click Accounts & Cards in the side menu.
3. Select the account you want the statement for.
4. Click View Statement.
You can filter statements by date if needed. To download a statement, click the download icon to save it as a PDF.

Due to constant rate changes, you cannot schedule an international payment for a future date.

All international payments must be a same day transfer.

Log into Internet Banking or the Bank of Sydney Mobile Banking App.
Navigate to your account from the home screen
Select the account you would like to download a transaction listing for.
Select view all transactions
Click on ‘download’ icon to export your transactions to Excel or PDF.

Please note, if you require a specific date range, you can amend the Filter by clicking on ‘Show Filters’ prior to exporting your transactions.

You may submit an Internet Banking Transaction Dispute Form here

This form can be used for Pay Anyone transactions (made through Online Banking transfer).

Please note: If you need to dispute transactions for more than one of your Bank of Sydney accounts, please submit a separate form.

Mobile Banking provides the same level of security as Internet Banking. You should follow the same basic security precautions as when using a personal computer.

For more information please read Security

Yes, all customers can take advantage of the Bank of Sydney Mobile Banking App to manage their personal or business banking. Note, there are some features that are not available on the Mobile Banking App, including ABA File Payments & Multi-Entry payments.

If you have forgotten your password, please visit Internet Banking via www.banksyd.com.au to reset your Online Banking password. Once on the Internet Banking login screen, simply select Forgot my Password and follow the prompts to reset your password.

You can download the Bank of Sydney Mobile Banking App via the app stores on both iOS and Android devices. Once you’ve downloaded it, use your Online Banking credentials to login.

Please note: the mobile banking app is only available for Personal customers; Business customers can only use Online Banking.

Interest is calculated daily from the date funds are deposited into your account, and paid at maturity.

If you’re looking to open a Term Deposit with us, you can enquire online or visit your closest branch.

If you’re an existing Bank of Sydney customer, all you need is your contact details and a Bank of Sydney Transaction Account Number. If you’re new to the Bank of Sydney, you’ll need your contact details, plus your Australian Identification and TFN on hand.

If you would like to withdraw funds from your account before maturity, you will need to provide Bank of Sydney at least 8 calendar days’ advance notice to withdraw your funds.

The 8 days’ notice period starts on the date you provide the written instructions to let us know you would like to withdraw your funds early. Your funds will be disbursed according to your selected method on the 9th day following your early repayment request.

For existing accounts, the early redemption notice period applies if you have reinvested your Term Deposit from 15 December 2021.

Early repayments attract an administration fee and a reduction in the return generated for the depositor. Please refer to the General Banking Fees & Charges Guide for information on how the reduction amount is calculated.

When your Term Deposit matures, you have the following options:

Reinvest – Your funds will be automatically reinvested for the same term on the date your Term Deposit matures.
Partially reinvest – Keep some of your initial funds invested while withdrawing the rest. We’ll place any funds not reinvested into your Everyday Saver Account.
Increase your investment – Add additional funds to your investment for greater returns.
Change the term – Invest your funds for a new term of between 1 to 13 months.
Withdraw your investment – Withdraw all of your funds.
If you don’t provide us with instructions, we will automatically reinvest your funds for the same term. You then have 7 calendar days (5 business days) to provide alternative instructions in relation to your reinvested funds without incurring an interest reduction penalty.

You can send us instructions via secure message within Internet Banking, or by calling us on 13 95 00.

All investments and reinvestments are subject to the interest rate applicable on the date your Term Deposit matures. You can click here to view our current rates.

We’ll send you a Notice of Renewal prior to your maturity date. If you don’t provide us with instructions after this notice is received, we’ll automatically reinvest your funds for the same term and at the rate applicable on that day. You have a 7 day (5 business day) period from the date of maturity in which you can make partial changes to your Term Deposit (inclusive of partial withdrawals) at no additional cost.

If you want to deposit a higher amount, please call us on 13 95 00 (Mon-Fri, 9am-5pm AEST) so we can discuss your options.

If you’re applying for a Term Deposit with two or more applicants, any one of the applicants will be able to operate the account on their own (also known as ‘Either to sign’ operation). This means that any account holder can transact on the account without the permission of other account holders.

If you’d like a different mode of operation applied to your new account, please contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST) to discuss your needs.

Our Visa Debit card is available with the following accounts:

Everyday Account
Retirement Account (withdrawn from sale)
Student Savings Account (withdrawn from sale)
Easy Life Account
Offset Account

If you’re applying for an account with two or more applicants, any one of the applicants will be able to operate the account on their own (also known as ‘Either to sign’ operation). This means that any account holder can transact on the account without the permission of other account holders.

If you would like a different mode of operation applied to your new account, please contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST) to discuss your needs.

We’ll send you monthly statements for Everyday Account, Easy Life Account, and BOS Saver accounts; quarterly statements for Retirement accounts; and every six months for Student accounts. If you would like to view the statement cycle for other products, please review the Deposit, Saving and Transaction Accounts PDS

Internet Banking details will be provided within 24 hours of your account being opened.

We’ll send you a temporary username via email, and a temporary password via text message. You’ll be prompted to change your password on first login, and can change your username at any time under ’Settings’ in Internet Banking.

If you’re an existing Bank of Sydney customer, all you need is your contact details and your Bank of Sydney Transaction Account Number.

If you’re a new customer, you’ll need your contact details, Identification documents and TFN on hand. You don’t have to quote your TFN, however if you choose not to quote your TFN or eligible exemption, any interest payments may be taxed at the maximum rate. We recommend you obtain your own independent tax advice.

All applicants will also need existing Account Details (Bank of Sydney or another financial institution) to complete the Linked Account Details Section in the application form. Visit your nearest branch to apply.

The easiest way to withdraw funds from your BOS Saver Account is via Internet Banking. Once you’ve transferred your savings to your linked Transaction Account, you can transfer funds to another financial institution or use your Visa Debit card to make purchases, or withdraw cash via an ATM.

Please note: if you’d like to withdraw your funds in branch, a $5 Branch Assisted Fee will be applied.

A direct debit is a regular automated payment to transfer funds from your bank account, using your BSB and account number. When a direct debit is set up, you are giving permission to a merchant or service provider to debit your account regularly to pay for the services they provide you.

A recurring payment is a regular automated payment set up from your Bank of Sydney debit card. This is done by providing the merchant or service provider your card number, expiry date and 3-digit CVV number on the back of your card. This enables the merchant or service provider to charge your card regularly for the services they provide you.

If you want to cancel or update a direct debit, you can

Send a Secure Message via Internet Banking (desktop only)
Call 13 95 00 (Mon- Fri, 9am-5pm AEST)
Visit a Bank of Sydney branch

To cancel or update a recurring payment, you must contact the merchant or service provider directly. If your debit card details change, it is your responsibility to notify the merchant or service provider so that your payment arrangement can continue.

If you believe there has been unauthorised transactions made using your Visa Debit Card, and would like to lodge a dispute, please click here.

Important: If your Visa Debit Card has been lost or stolen, please let us know immediately by calling 13 95 00 (option 4) ∙ International: + 61 2 8262 9191 (option 4), so we can take actions to try prevent unauthorised transactions.

You can make additional repayments to your loan, which will then be available for redraw if you need to use the extra money later on. Please note that fixed rate home loans have a $10,000 maximum extra repayment limit per year, without incurring any penalties or break costs.

If you’d like to switch your loan repayments from Principal and Interest to Interest Only, your home loan rate may also change. Interest Only repayments do not reduce the loan principal amount, so if you’re looking to reduce your home loan repayments, get in touch with your Relationship Manager or our Home Loan Specialists to discuss the best option for you.

Each type of loan has different features, pros and cons. If your circumstances change and you want to switch your home loan from variable to fixed rate, or vice-versa, please contact your Relationship Manager or give us a call on 13 95 00 to speak with our Home Loan Specialists.

It’s important to note that if you have a fixed rate home loan, you may incur break costs [add link to break cost fact sheet] if you decide to change your loan before the end of the fixed term.

If you’ve made additional repayments to your home loan, you can withdraw extra money that’s available on your account.

You can redraw from your additional repayments via Internet Banking, or by visiting your nearest branch.

Please note that in-branch redraws may attract a fee, depending on the home loan product you hold. In-branch redraws have a minimum amount of $2,000.

All the gifts received or other amounts you use for your home loan should be disclosed as an Asset, under ’Savings’ category.

LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

You can easily send AUD or foreign currency online:

Make sure you have the payee account details handy, including SWIFT codes and IBANs
Login to Internet or Mobile Banking and navigate to ‘Payments/Transfers’
Select ‘International Payments’
Input all transfer details, including the payee’s overseas bank account and amount of transfer
Have your mobile nearby to confirm your payment.

Alternatively, you can visit any of our branches to send money overseas. Note: to use this service you will need to have a Bank of Sydney transaction account.

You can transmit funds electronically from most Bank of Sydney transaction accounts or your Foreign Currency transaction account (if it’s in the same currency).

To send money overseas, you will need the following details for the person receiving the money:

Full name
Personal address
The name of their bank and branch address
Account number and SWIFT code of the foreign bank
You’ll also be asked to provide the reason for the payment.

What will it cost me to transfer funds overseas?

You‘ll pay a lower fee on your international money transfer if you send it via Bank of Sydney Online Banking: $10 for international payments in foreign currency or Australian Dollars.

Alternatively in branch, it costs $20 to send any available currency.

There are a number of fees and charges banks and providers take when completing international money transfers. Each bank or clearing house involved with the transaction will take a fee when processing funds.

There can be different processing times for the money to arrive overseas, depending on which country you want to transfer money to.

For Bank of Sydney, international payments will usually be available to the recipient within 2-3 banking days. However, we cannot guarantee this, and in some circumstances it may take longer.

Transfers made on a weekend, a public/bank holiday, or after the cut-off time (3.00pm AEST) will be processed the following business day.

Although an IMT usually takes between 2-3 business days to process it may take longer, depending on your recipient's country and bank.

If your recipient doesn’t receive your transfer, or if you wish to change or cancel your IMT, you can request that a trace/amendment/cancellation be placed on the IMT by:

Calling us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
Visiting any branch to complete an IMT investigation form

A SWIFT code is an international bank code that identifies particular banks worldwide. It’s also described as a Bank Identifier Code (BIC). Bank of Sydney uses SWIFT codes to send and receive money to overseas banks.

A SWIFT code consists of 8 or 11 characters.

Bank of Sydney’s SWIFT code is LIKIAU2S. You’ll need to give this code to anyone sending you money from overseas.

If you’re sending money to someone overseas, you’ll need to get their bank SWIFT code to do the transfer.

An IBAN, or International Bank Account Number, is a globally recognised sequence of letters and numbers used to process select cross-border payments.

International payments from Australian accounts to IBAN-recognised countries will require a valid IBAN. It’s a good idea to check and confirm the IBAN with the person receiving the money because if the IBAN is incorrect or missing, a charge may be applied by the receiving bank and the transfer may not go through.

To receive money from overseas, you’ll need to provide the sender with the following details:

Your account name
Your account number
BSB (bank - state - branch number)
Bank of Sydney’s SWIFT code – LIKIAU2S

At times, the sender’s bank may also require additional details such as your address or your branch address.

Please ensure you provide the sender with full and correct account number and account name, as these are the identifiers used to process the incoming payments to your account.

Overseas banks may impose their own fees and charges, or convert the currency of the payment. Bank of Sydney might not have any control over the fees, charges or foreign currency conversions imposed by these institutions. Any overseas financial institution handling charges will by default be borne by the recipient of the international payment and deducted from the payment amount, unless otherwise organised.

It’s possible that the overseas bank could convert the currency of the payment at an unfavourable exchange rate. You should inform the beneficiary that, if this occurs, they should consider rejecting the payment immediately so the payment can be unwound at the prevailing exchange rate.

If you don’t want the currency to be converted, please insert the words “Do Not Convert” in the description details free text box when you’re making an international payment.

If you are a new Bank of Sydney customer, you will need to visit your nearest Branch

If you have an existing Bank of Sydney account, you may visit your local branch or call us on 13 95 00 to open a new Foreign Currency Account.

If you intend to conduct or are already conducting cross-border business, including importing/exporting and/or undertaking overseas projects, Trade Finance services can facilitate these activities efficiently. Bank of Sydney provides a range of relevant services.

There are a number of trade risks involved with dealing overseas, including and not limited to the following:

Payment risks: eg. “How do I get paid?”
Delivery risks: eg. “Will I receive the goods/services I ordered?”
Performance risks: eg. “Will the Supplier produce the goods/services I ordered?”
Foreign exchange risks: eg. “How do I manage a foreign exchange risk?”
Cross border and country risks: eg. “How do I manage sovereign risk?”

In international trade, there are always gaps between payment commitment and receipt of proceeds from sales. Trade Finance is provided to close the gaps of the trade cycle by giving businesses access to finance to improve cash flow and manage payment risks more effectively. This enables you to be competitive in the global market.

The benefits of Trade Finance solutions include:

Access to finance for funding a business’ trade cycle, which incorporate its stock/debtor/creditor terms
The ability to offer earlier settlement for purchases, to secure favourable terms or offer extended payment terms to buyers, if required
Access to multi-currency sources of funding with flexible tenor, competitive interest rates (i.e. usually up to 180 days) to match cash flow needs
The ability to free or unlock the funds tied up in debtor receivables
Securing payment with a bank’s undertaking eg. Letter of Credit, Bank guarantee or avalisation of Bill of Exchange
Access the benefits of a ’natural hedge’ in situation where sales/purchases are made in the same currency

We have a suite of Trade Finance services available for Importers and Exporters including but not limited to:

Irrevocable Letters of Credit
Documentary Collection services
Trade loans/Advances for pre and post shipment financing
Bank Guarantees/Bonds
Export Letter of Credit confirmations

Call our helpdesk on 13 95 00 (Mon-Fri, 9am-5pm AEST) or email us at info@banksyd.com.au

You can activate your Visa Debit Card easily via:

1. BOS Internet Banking

Log into BOS Internet Banking
Select the debit card
Click on ‘Card Options’
Select ‘Activate Card’
Click ‘Submit’
Authorise the card activation via mobile notification (SMS or push notification)
Your card has now been activated

2. Contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ’Card Enquiries’

3. Visiting one of our branches

For personal use:

Everyday Account

For your business

Business Advance Account

Business Saver

The Visa Debit Card is available to individuals above 16 years of age, with guardian or parent authorisation and consent.

An additional Visa Debit Card can be issued for joint account holders where each holder can have a Visa Debit Card for the account, provided the person is over the age of 18 (or over the age of 16 with parent/guardian consent) and an account owner or an authorised signatory to a personal or business account.

If you receive a renewal/replacement card:

Your card is already activated. Destroy your old card immediately; and use your existing PIN unless you’ve requested a new one from us.

After receiving a replacement card, you must update your card details in the Digital Wallet on your phone/device.

Your Visa Debit card with Paywave is an important financial tool. Refer to the terms and conditions and follow these simple steps to keep your card safe:

For purchases under $100 you can just tap and go
For purchases over $100, you will need to enter your PIN
You have a daily $300 global Paywave limit

If you’ve lost your Visa Debit Card, or had it stolen, you can let us know by:

1. Contacting our Fraud Department on 1300 705 750 (available 24/7)

2. BOS Internet Banking

Log into BOS Internet Banking
Select the debit card
Click on ‘Card Options’
Select ‘Lost/Stolen’
Select reason from the drop down menu and click ‘Submit’
Authorise the card lost/stolen via mobile notification (SMS or push notification)
Your card has been closed

3. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 1: ’Lost or Stolen Cards’

4. Visit one of our branches

Yes, you can temporarily block your Visa Debit Card via Internet Banking or by calling us:

1. BOS Internet Banking

Log into BOS Internet Banking
Select the debit card
Click on ‘Card Options’
Select ‘Temporary Block’
Click ‘Submit’
Authorise the card temporary block via mobile notification (SMS or push notification)
Your card has been temporary blocked

2. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ‘Card Enquiries’

3. Visit one of our branches

Yes, via one of three methods:

1. BOS Internet Banking

Log into BOS Internet Banking
Select Card
Tap ‘Enable Card’
Select a reason from the drop down menu and click ‘Submit’
Authorise the card re-activation via mobile notification (SMS or push notification)
Your card has been re-activated

2. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ‘Card Enquiries’

3. Visit one of our branches

There are a number of reasons why your transaction may have been declined. These could be:

You’ve reached your daily card limit
Reached your Paywave limit – try inserting the card followed with PIN
Your card is expired
You’ve entered an incorrect PIN

If none of the above apply, contact us via below two methods:

1. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ‘Card Enquiries’

2. Visit one of our branches

Yes, you just need to inform Bank of Sydney about your departure and arrival date, and your destinations, by:

1. Sending us a secure Internet Banking message

Log on to BOS Internet Banking
Select the envelope icon from the top
Select ‘New Message’
As a subject choose ‘Travel Note’
Write a short message including the above information about your trip and click ‘Send’
Authorise the secure message via mobile notification (SMS or push notification)

2. Contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ‘Card Enquiries

You can request a new Visa Debit card by:

1. Sending us a secure Internet Banking message

Log into BOS Internet Banking
Select the envelope icon from the top
Select ‘New Message’
As a subject ’New Visa Debit Card’
Write a short message requesting a new Visa Debit card to be issued to you by nominating your transaction account that you would like to be linked to and click send
Authorise the secure message via mobile notification (SMS or push notification)

2. Visiting one of our branches

You should receive a renewal card automatically. If you haven’t received your renewal card in the mail by the time your card expires, send us a request by:

1. Sending us a secure Internet Banking message

Log into BOS Internet Banking
Select the envelope icon from the top
Select ‘New Message
As a subject choose ’Renewal Card not received’
Write a short message requesting a new Visa Debit card to be issued to you.
Authorise the secure message via mobile notification (SMS or push notification)

2. Visiting one of our branches

Via iPhone (Apple Pay)

Apple Pay is an easy, secure and private way to pay in store, via the app on your iPhone, Apple Watch, or iPad.

You can add your Visa Debit card to Apple Pay in these simple steps:

Open the Wallet app
Tap the ‘+’ in the upper right corner
Click ‘Continue’
Enter the card’s security code ‘CVV’ to add card details from your iTunes account or select ‘Add a different card’ and use the camera to enter your card information
Read through ‘terms and conditions’ and accept by clicking Agree icon
Choose card verification by contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
Once Apple Pay is activated, you can start using it straight away

If you need any assistance:

Select Option 4: ‘Card Enquiries’
Then, Select Option 2: ‘Card Enquiries’

For your security, our Visa Debit Card has a default daily limit of $3,000 (for online and chip transactions). To increase or decrease your limits:

1. Send a secure Internet Banking message

Log into BOS Internet Banking
Select the envelope icon from the top
Select ‘New Message’
As a subject choose ’Increase/Decrease VDC limits’
Write a short message requesting a decrease/increase on your VDC limits and mention the last 4 digits of your VDC
Authorise the secure message via mobile notification (SMS or push notification)

2. Visit one of our branches

You have three tries to key in the correct PIN. After that, we protect your account by locking it until the next day. You can request a new Visa Debit PIN via Internet Banking or visiting one of our branches:

1. BOS Internet Banking

Log into BOS Internet Banking
Select the debit card
Select ‘Card Options’
Select ‘Modify Card PIN’
Enter the new PIN and confirm the new PIN on the following section
Authorise the new PIN via mobile notification (SMS or push notification)
Your PIN has now changed

2. Contact Bank of Sydney

Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
Or visit one of our branches

1. Direct Debit

You can set up a direct debit by choosing a Bank of Sydney or non-Bank of Sydney transaction account to be debited monthly. This direct debit runs on the 10^th of every month. You can set a direct debit to repay the full closing balance, minimum payment or a fixed amount. Please allow three business days for payments to clear.

Set up a direct debit by sending us a secure message using the below methods:

BOS Internet Banking

Log into BOS Internet Banking
Select the envelope icon from the top
Select ‘New Message’
Write a short message requesting the set up of a direct debit including the
following details:
- Account name
- BSB
- Account number
- Repayment method (Full closing balance, minimum payment or fixed amount)
Click ‘Send’
Authorise the secure message via mobile notification (SMS or push notification)
Once the secure message is sent, someone from our Cards Department will contact you to confirm completion of the direct debit set up

If you don't have Internet Banking

Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
- Select Option 4: ‘Card Enquiries'
- Then, select Option 2: ‘Card Enquiries’
Visit one of our branches

2. BPAY

Your Biller Code and Reference number are enclosed in your credit card statement
Allow three business days for payments to clear
Login to your Internet Banking and proceed with BPAY as payment option, you will need the biller code and reference number

3. Online

4. Internet Banking via ’Domestic Payments’

Account details are enclosed in the credit card statement.

5. Visit one of our branches to organise the credit card payment

You can complete the Cards & BPAY Transaction Dispute Form here. Please submit as soon as possible, so we can assist with your request.

You can link a Visa Debit Card for easy access to your money with a Business Advance Account and Business Saver Account.

Please note the Business Saver Account is a savings account and it has 5 free transactions per month, incurring fees after this.

As business accounts require extra documentation to be provided, further to your personal identification requirements, we will require you to supply other verification and documents in relation to the business identity, such as ABN or ACN information, Overseas tax information where application, financial statements, etc. Different company structures, such as trusts, sole traders or partnerships might require different documentation. Our staff will advise you what items of identification are acceptable.

You can open a Term Deposit by visiting any of our branches or submitting an online enquiry.

We know that every business has different needs and objectives, so we look at each case separately to understand what will fit your requirements. If you are looking for a business loan, talk to our Relationship Managers at your nearest branch, or contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST).

Adding an asset as security for your loan means that you could get more favourable terms for your business loan, such as lower rates and reduced fees. If you own a residential property, you can secure it against your business loan. Learn more about our ResiSec Loans here.

Note: eligibility and lending criteria apply to all loans. For more information please view our Lending Terms and Conditions.

The only acceptable security type for this product is residential property. Note, postcode restrictions apply, and there is a maximum Loan to Value Ratio (LVR) of 80% applicable.

The rate can be variable or fixed (fixed rates are available on application only).

Yes, redraw facility is available for all Business Resisec Loans.

Both Principal & Interest or Interest Only repayment options are available for Business Resisec Loans.

Business Resisec Loans are only available if you’re borrowing for business purposes. The following borrower types are acceptable:

Business entities;
Personal customers in their capacity as a trustee for a trust;
Companies in their capacity as a trustee for a trust.

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