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At Qudos Bank we focus on a more rewarding way of banking, giving you a better deal and better service. It’s at the heart of everything we do, and you’ll experience it each time you bank with us. So no matter if you’re in Australia or when you’re overseas, we give you easy options to access your money and apply for our products and services.

  Online Banking
Our secure Online Banking service means access to your accounts 24 hours a day, seven days a week. Whether you’re at home or abroad.

Once logged in, you can:

  • View and print your current account balances and transaction history
  • Transfer money between your accounts and externally
  • Pay your bills with BPAY
  • Apply for products and services including our high interest online savings accounts, home loans, personal loans, credit cards and Super
  • Register for e-statements to receive your statements electronically
  • Update your personal details

Keeping you secure within Online Banking

We’ve introduced extra security, so you’ll feel safer banking or shopping online.

QSafe SMS is the latest in Qudos Bank's online security and is used by leading financial institutions in Australia. This free service works by providing you a 6 digit code via text message to your Australian mobile or landline number. You’ll use it when making new transfers or BPAY payments within Online Banking.

For our Members living overseas, we have an alternative solution. Please contact us on 1300 747 747 to find out more.

For more information, visit our Online Banking page or download our Guide to Online Banking. You can also view our Online Banking FAQs online.

  Qudos Bank App

The Qudos Bank App is compatible with most Apple and Android devices providing a streamlined and easy to use interface.

Our App makes it easy to:

  • Notify us of your overseas trip or travel plans
  • Check up to 4 account balances without having to log in
  • Login with either a PIN, your fingerprint or Face ID for some iOS devices
  • Create, view and edit scheduled payments
  • Manage payees and billers within the app
  • Manage your debit and credit cards, including the ability to activate new cards, change PINs and report a lost or stolen card
  • Manage your device and register or de-register your device as needed
  • Set up alerts for payWave, ATM withdrawals, Visa and Eftpos use and control how you receive alerts (email, sms)

To download the Qudos Bank App, please visit the App Store or Google Play and search ‘Qudos Bank’.

Visit our Qudos Bank App page for more information.


You can visit most major ATM networks and withdraw cash and make balance enquiries free of charge. Some independent ATM networks (within Australia and overseas) may charge a fee for cash withdrawals and balance enquiries, for example CashCard, Travelex and some ATMs situated inside pubs, clubs and hotels. Please remember any fees charged will be advised and require acceptance at an ATM at the time of your transaction.

You can also withdraw cash at most major supermarkets and Australia Post free of charge. Note: Some merchants may charge a fee for Visa card transactions.


Drop into your nearest branch to do all your banking, from applying for a loan; right through to booking a meeting with a Financial Planner.

Locate your closest branch here.

  Telephone Banking

Our Telephone Banking service gives you 24 hour access to your accounts from any touch phone at the cost of a local call – regardless of where you are within Australia.

Once you’ve registered, you can:

  • Check your account balances
  • Make BPAY payments
  • Check transactions made on your accounts
  • Check your loan account balances
  • Obtain details of your interest earned in the last financial year

Our dedicated Telephone Banking line is 1300 360 865.

  Depositing Cash and Cheques

Cash and cheque deposits can be made at most Qudos Bank branches. The only branch that does not accept cash deposits is our Ascot Branch in Brisbane , however, they do still accept cheque deposits. Please be aware that none of our branches accept coin deposits.

To deposit money at a Westpac branch, you need a pre-encoded deposit book which can be provided at no cost by calling us on 1300 747 747.

To make a deposit at Australia Post, you need the card which you wish to make the deposit into and your PIN. Please note that Australia Post may have a limit for accepting cash deposits.

  Electronic Payments

Direct Debit

You can set up pre-arranged payments on specified dates to billers and merchant businesses from your accounts.

Direct debit arrangements could be used to pay for example:

  • Utility bills
  • Insurance payments
  • Credit card repayments
  • Loan repayments
  • Charitable donations

To set these up you will need to speak to your biller or merchant business, noting that you may need to quote our BSB 704 865 and your account number.

Direct Credit

You can take full advantage of our interest rates, by having money directly credited to your interest earning Qudos Bank account. You can easily set up a direct credit for your:

  • Salary
  • Pension/allowance
  • Tax refund

To set up a direct credit, contact the provider of the funds and supply our BSB 704 865 and your account number.

Auto Transfers

This service enables you to make a regular payment or transfer to yourself or another person from your savings account.

Auto transfers can be set up to recur (e.g. weekly, fortnightly, monthly or quarterly) for an indefinite or fixed number of payments or transfers.

If you’re already a Member and registered for Online Banking, you can set up your own auto transfers online or on the Qudos Bank App. All you need is the BSB and account number of the recipient.


Yet another channel to access your accounts with Qudos!

Members can bank through Bank@Post at over 3,500 participating Australia Post Offices across Australia. You're likely to have one near your home or office.

Services offered at Bank@Post

  • Withdraw or deposit funds
  • Deposit cheques
  • Pay your bills
  • Access money order services

How do you use Bank@Post?

You must have your CueCard or Visa Debit Card linked to the savings account that you want to transact on. Simply present your card and tell the Australia Post staff that you would like to make a Bank@Post transaction. Then just swipe your card and enter your PIN to begin.

Please note, cheques deposited as part of a Bank@Post deposit may take up to 10 days to be available.

Where is my nearest Australia Post Office?

To locate your nearest Bank@Post office

  SMS Alerts

SMS Alerts allows you to stay in touch with all your accounts via alerts sent to your mobile phone.

You can also send a request via SMS to receive the balance of your accounts or the last three transactions on an account.

To apply!

To register for SMS Banking, simply log on to Online Banking or Qudos Bank App and select the ‘Services’ tab, then click on ‘SMS Alerts’. Enter your details and the alerts you’d like to receive.

Alerts and requests available
Direct credit Get notified instantly when your pay, or any other direct credit gets paid to your account.
Direct debit Get notified instantly when a direct debit has been made.
Low account balance Get an instant alert when your balance hits a low amount you’ve specified.
High account balance Get an instant alert when your balance hits a high amount you’ve specified.
Scheduled balance Set up a regular alert that gives you a balance of your account(s) either daily, weekly, fortnightly, monthly, quarterly, half-yearly or yearly.

A fee of 25c applies for each SMS Banking message sent to your mobile phone in addition to any fee charged by your provider for sending text requests.

Please note: SMS scheduled Alerts are only available between 6am and 6pm. Qudos SMS Banking is available in countries with the GSM network and can only be registered to Australian mobile phone numbers. Please refer to the Terms and Conditions for more information.


BPAY is the faster, more efficient way to pay your bills. And with over 14,000 billers available, it’s also the most convenient as you can pay your bills in one go!

Plus, with our Online Banking, Qudos Bank App and Telephone Banking services you can schedule payments for a later date and forget about them. BPAY also lets you choose which account you pay from – savings, Qsaver or credit card.

(Note: not all billers accept payment via credit card).

How to pay with BPAY

Simply follow these steps:

  •  Log on to Online Banking, Qudos Bank App or Telephone Banking
  •  Select the BPAY tab on the menu bar of Online Banking or Qudos Bank App, then pay a bill and follow the simple instructions
  •  Look for the distinctive BPAY logo on your bills
  •  Enter in your Biller Code and Reference Number
  •  Wait for and record your receipt number
  Mobile Payments (Apple Pay and Google Pay)

You can now make faster, easier and more secure contactless payments by adding your Qudos Bank Visa Debit or Credit Card to Apple Pay or Google Pay.

Apple Pay

To start making payments using your Apple device, simply open the wallet app and follow the prompts to add your Qudos Bank Visa Debit or Credit Card to Apple Pay.

Google Pay

For an easy way to tap and pay using your Android device, simply download the Google Pay app from Google Play or the App Store and follow the instructions to add a card.

For more information on how to link your card or how to use mobile payments, visit our Google Pay or Apple Pay pages.

  Real-Time Payments

We have implemented the New Payments Platform (NPP), for real-time payments, allowing you to get the most out of your banking experience with us. Now, all incoming and outgoing payments (excluding scheduled transfers, BPAY and international payments) between Qudos Bank and other participating institutions will be sent through this real-time platform.

How to register your PayID using the Qudos Bank App

  1. Log into the Qudos Bank app and select the menu button
  2. Select ‘Manage PayIDs’ in the menu
  3. Select ‘Create PayIDs’
  4. Follow the Prompts

How to register your PayID online

  1. Log into online banking and select accounts
  2. Select ‘Manage PayIDs’
  3. You will then be asked to request a code, select validate one you have typed in your code.
  4. Select ‘Create PayID’ and follow the prompts.

For more information, visit our Real-Time Payments page.


Download our Ways to Bank eBrochure here.