Real-time payments | FAQs

Products
- Home loans
  View home loans
  We offer a large range of low cost home loans for you to choose from including fixed, variable, split rate and Home Access loans.
  
  No frills home loan
  A low-rate home loan for those that don’t need all the bells and whistles.
  
  Low cost home loan
  Our most popular fully featured home loan is great for refinancing or investing.
  
  Fixed rate home loan
  Safeguard yourself against interest rate rises with your choice of 1 to 5 year fixed interest rate terms.
  
  Construction loan
  Renovating or building your dream home? Our construction loan could be right for you.
  
  Low cost home loan (value package)
  Our award-winning low-cost home loan, packed with additional benefits for an annual package fee of $395.
  
  Qantas points home loan
  Earn Qantas Points year after year with our Qantas Points Home Loan.
  
  Variable rate home loan
  A loan designed for flexibility, with no minimum loan amount and a one-off establishment fee.
  
  Home access loan
  A revolving line of credit secured against your property.
  
  Compare our home loans
  Choosing a home loan can be difficult. Compare home loans to find the best home loan for you.
  
  Home loan application process
  Follow these steps to help guide you through the home loan application process.
- Savings accounts
  View All Savings Accounts
  Learn more about our competitive rates
  
  General savings account
  Your everyday account, and a gateway to easy banking.
  
  Qantas points saver
  With a Qantas Points Saver not only will you receive a competitive interest rate on your savings, but you'll also earn Qantas Points.
  
  Bonus saver
  Get what you want sooner with a great bonus on your savings. A Bonus Saver could be the perfect way for you to save big.
  
  Term deposit
  Safeguard your savings with a Qudos Bank fixed rate term deposit account. Our competitively high interest rate deposits are hard to beat.
  
  QSaver
  If you want a big interest rate on your savings but still want access to it for everyday spending then Qsaver could be just what you're after.
  
  Cash management account
  Our Cash Management Account is ideal for those seeking a complete deposit account with a great rate and easy access to funds.
  
  Youth membership account
  Join the Qudos Bank family at any age.
  
  Compare our savings accounts
  Compare our range of transaction and savings accounts.
  
  Government guarantee on deposits
  Your money is protected with us.
  
  Visa debit card
  Your everyday banking is made easy with our Visa Debit Card, a convenient and secure way to pay.
- Credit cards
  View all credit cards
  We have developed a range of credit cards to meet your needs at the most competitive rates.
  
  Lifestyle credit card
  If you're after a low rate with no fees, the Lifestyle Credit Card may be the everyday credit card for you.
  
  Lifestyle plus credit card
  If you're looking for more freedom in your credit card, our low rate and $0 fees Visa Lifestyle Plus credit card is for you.
  
  Visa platinum credit card
  Earn Qantas Points on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.
  
  Compare our credit cards
  Compare the rates and features on our Lifestyle, Lifestyle Plus and Visa Platinum Credit Card so you can find the right one for you.
- Personal loans
  View all personal loans
  Great rates and no or low fees on any of our personal loans products.
  
  Car loan
  Take the road to freedom with our low interest secured car loan
  
  Personal loan
  Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.
  
  Qantas points car loan
  With a Qantas Points Car Loan you'll start learning Qantas Points from day one, making your next trip a reality sooner than you think.
  
  Unsecured personal overdraft
  Giving you access to extra cash
  
  Compare our personal loans
  Compare the rates and features on Car Loans, Qantas Points Loan, Personal Loans, and Unsecured Personal Overdrafts so you can find the right one for you.
- Super & investing
  View all Super & investing
  We have a dedicated team to help you plan for the future to help you build prosperity and security.
  
  Financial planning
  A financial plan, prepared by a qualified Financial Planner, is a road map that gives you clear directions to help you achieve your goals.
  
  DIY super saver
  Give your Self-Managed Super Fund a boost
  
  Retirement Savings Account
  The Retirement Savings Account (Qudos RSA) is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.
  
  Retirement planning
  You can talk to a Qudos Bank Financial Planner today to put financial strategies in place that will help you achieve your desired lifestyle in retirement.
  
  Wealth creation
  You can talk to a Qudos Bank Financial Planner today to put financial strategies in place that will help you achieve your desired lifestyle in retirement.
  
  Redundancy
  While redundancy is often seen as an uncertain time, it may also create financial opportunities to sort out your finances and ensure a secure future.
  
  Aged care planning
  Qudos Bank can help you or your loved ones navigate the complex area of Aged Care Planning by working with you to develop a tailored plan.
- Insurance
  View all Insurance products
  We offer a range of insurance products, check them out today
  
  Buildings & contents insurance
  Protect your home buildings inside and out for loss or damage caused by one or more of 11 insured events.
  
  Landlord insurance
  Protect your investment property and landlord's contents from insured events such as theft, fire, storm and malicious damage
  
  Motor insurance
  Choose our insurance policy and enjoy the freedom to select the best cover to suit your needs
  
  Caravan & trailer insurance
  Allianz Caravan and Trailer Insurance protects your home away from home
  
  FlexiCover Life insurance
  Protect yourself and your family with FlexiCover Life Insurance.
- International money
  All International money services
  Our association with Western Union: Business Solutions creates a one-stop shop for international and domestic transactions of any size.
  
  Foreign cards
  If you're travelling overseas, we've got you covered. Our foreign cards give you flexibility and confidence while travelling.
  
  Sending money overseas
  If you need to send money overseas, we have a number of ways you can transfer.
  
  Receiving money from overseas
  There are now over 35 currencies to choose from when sending payments to Australia.
About us
- Who we are
  About Qudos Bank
  Founded over 60 years ago as Qantas Credit Union, we are a customer-owned bank with a full range of banking products and services.
  
  Our history
  This timeline tells the story of the remarkable achievements and success of the organisation and the people who contributed to one of Australia’s great banking stories.
  
  Our awards
  We’ve been recognised across several categories for our range of outstanding products and services.
  
  Our values
  At Qudos Bank we live and breathe our values and these values are the foundations of how we operate.
  
  Customer owned banking
  Outstanding services and fairer fees
  
  Qudos Bank Arena
  If you're heading to Qudos Bank Arena, escape the crowds and relax in the Qudos Bank Lounge.
  
  The Qudos Difference
  Outstanding services and fairer fees
- Careers
- Ways to bank
  All your ways to bank
  We make banking with us easy and convenient
  
  Digital banking
  Bank on the go anywhere, anytime.
  
  Deposits and Withdrawals
  Access your money your way
  
  Contact Centre
  Talk to a customer service specialist today!
  
  Our branches
  Visit our friendly personal bankers at one of our branch locations
  
  Payments and Transfers
  We offer a range of ways to bank, making banking with us easy and convenient.
  
  Accessible Banking
  Our services have a range of accessible features that ensure ease of banking.
- Corporate information
- Corporate responsibility
News, tools & tips
- News
- MyQ
- Blog
- Calculators
  Home loan calculators
  We have a range of handy home loan calculators to help you better manage your finances.
  
  Savings calculators
  We have a range of great savings calculators to help you better manage your finances.
  
  Personal loan calculators
  We have a range of great personal loan calculators to help you better manage your finances.
Support
- Fraud & security
- Financial support
  Financial hardship
  Financial hardship is the difficulty in paying your bills, loan repayments and other expenses. Qudos Bank is here to help provide financial assistance.
  
  Financial abuse
  Financial abuse is where an abuser uses finances and money to control another person.
  
  Elder abuse
  Elder abuse is where a single or repeated act causes harm or distress to an older person.
  
  Assisting you during COVID-19
  In response to the COVID-19 pandemic, we helped our customers navigate their financial difficulties via a dedicated relief package.
- Disputes & complaints
  Transaction disputes
  If you think you’ve discovered a transaction you don’t recognise or haven’t authorised, you can lodge a transaction dispute.
  
  Complaints resolution
  As part of our commitment to maintaining customer satisfaction, Qudos Bank offers an internal dispute resolution procedure that is readily accessible and free
  
  Payment Service Availability Reporting
  The Reserve Bank of Australia require us to regularly disclose reporting on availability and ‘significant’ outages or incidents for retail payment services.
- Legal
- FAQs
- Open banking
Contact us

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RSA

QWEALTH MEMBERS

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What are you looking for?

Products
- Home loans
  View home loans
  We offer a large range of low cost home loans for you to choose from including fixed, variable, split rate and Home Access loans.
  
  No frills home loan
  A low-rate home loan for those that don’t need all the bells and whistles.
  
  Low cost home loan
  Our most popular fully featured home loan is great for refinancing or investing.
  
  Fixed rate home loan
  Safeguard yourself against interest rate rises with your choice of 1 to 5 year fixed interest rate terms.
  
  Construction loan
  Renovating or building your dream home? Our construction loan could be right for you.
  
  Low cost home loan (value package)
  Our award-winning low-cost home loan, packed with additional benefits for an annual package fee of $395.
  
  Qantas points home loan
  Earn Qantas Points year after year with our Qantas Points Home Loan.
  
  Variable rate home loan
  A loan designed for flexibility, with no minimum loan amount and a one-off establishment fee.
  
  Home access loan
  A revolving line of credit secured against your property.
  
  Compare our home loans
  Choosing a home loan can be difficult. Compare home loans to find the best home loan for you.
  
  Home loan application process
  Follow these steps to help guide you through the home loan application process.
- Savings accounts
  View All Savings Accounts
  Learn more about our competitive rates
  
  General savings account
  Your everyday account, and a gateway to easy banking.
  
  Qantas points saver
  With a Qantas Points Saver not only will you receive a competitive interest rate on your savings, but you'll also earn Qantas Points.
  
  Bonus saver
  Get what you want sooner with a great bonus on your savings. A Bonus Saver could be the perfect way for you to save big.
  
  Term deposit
  Safeguard your savings with a Qudos Bank fixed rate term deposit account. Our competitively high interest rate deposits are hard to beat.
  
  QSaver
  If you want a big interest rate on your savings but still want access to it for everyday spending then Qsaver could be just what you're after.
  
  Cash management account
  Our Cash Management Account is ideal for those seeking a complete deposit account with a great rate and easy access to funds.
  
  Youth membership account
  Join the Qudos Bank family at any age.
  
  Compare our savings accounts
  Compare our range of transaction and savings accounts.
  
  Government guarantee on deposits
  Your money is protected with us.
  
  Visa debit card
  Your everyday banking is made easy with our Visa Debit Card, a convenient and secure way to pay.
- Credit cards
  View all credit cards
  We have developed a range of credit cards to meet your needs at the most competitive rates.
  
  Lifestyle credit card
  If you're after a low rate with no fees, the Lifestyle Credit Card may be the everyday credit card for you.
  
  Lifestyle plus credit card
  If you're looking for more freedom in your credit card, our low rate and $0 fees Visa Lifestyle Plus credit card is for you.
  
  Visa platinum credit card
  Earn Qantas Points on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.
  
  Compare our credit cards
  Compare the rates and features on our Lifestyle, Lifestyle Plus and Visa Platinum Credit Card so you can find the right one for you.
- Personal loans
  View all personal loans
  Great rates and no or low fees on any of our personal loans products.
  
  Car loan
  Take the road to freedom with our low interest secured car loan
  
  Personal loan
  Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.
  
  Qantas points car loan
  With a Qantas Points Car Loan you'll start learning Qantas Points from day one, making your next trip a reality sooner than you think.
  
  Unsecured personal overdraft
  Giving you access to extra cash
  
  Compare our personal loans
  Compare the rates and features on Car Loans, Qantas Points Loan, Personal Loans, and Unsecured Personal Overdrafts so you can find the right one for you.
- Super & investing
  View all Super & investing
  We have a dedicated team to help you plan for the future to help you build prosperity and security.
  
  Financial planning
  A financial plan, prepared by a qualified Financial Planner, is a road map that gives you clear directions to help you achieve your goals.
  
  DIY super saver
  Give your Self-Managed Super Fund a boost
  
  Retirement Savings Account
  The Retirement Savings Account (Qudos RSA) is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.
  
  Retirement planning
  You can talk to a Qudos Bank Financial Planner today to put financial strategies in place that will help you achieve your desired lifestyle in retirement.
  
  Wealth creation
  You can talk to a Qudos Bank Financial Planner today to put financial strategies in place that will help you achieve your desired lifestyle in retirement.
  
  Redundancy
  While redundancy is often seen as an uncertain time, it may also create financial opportunities to sort out your finances and ensure a secure future.
  
  Aged care planning
  Qudos Bank can help you or your loved ones navigate the complex area of Aged Care Planning by working with you to develop a tailored plan.
- Insurance
  View all Insurance products
  We offer a range of insurance products, check them out today
  
  Buildings & contents insurance
  Protect your home buildings inside and out for loss or damage caused by one or more of 11 insured events.
  
  Landlord insurance
  Protect your investment property and landlord's contents from insured events such as theft, fire, storm and malicious damage
  
  Motor insurance
  Choose our insurance policy and enjoy the freedom to select the best cover to suit your needs
  
  Caravan & trailer insurance
  Allianz Caravan and Trailer Insurance protects your home away from home
  
  FlexiCover Life insurance
  Protect yourself and your family with FlexiCover Life Insurance.
- International money
  All International money services
  Our association with Western Union: Business Solutions creates a one-stop shop for international and domestic transactions of any size.
  
  Foreign cards
  If you're travelling overseas, we've got you covered. Our foreign cards give you flexibility and confidence while travelling.
  
  Sending money overseas
  If you need to send money overseas, we have a number of ways you can transfer.
  
  Receiving money from overseas
  There are now over 35 currencies to choose from when sending payments to Australia.
About us
- Who we are
  About Qudos Bank
  Founded over 60 years ago as Qantas Credit Union, we are a customer-owned bank with a full range of banking products and services.
  
  Our history
  This timeline tells the story of the remarkable achievements and success of the organisation and the people who contributed to one of Australia’s great banking stories.
  
  Our awards
  We’ve been recognised across several categories for our range of outstanding products and services.
  
  Our values
  At Qudos Bank we live and breathe our values and these values are the foundations of how we operate.
  
  Customer owned banking
  Outstanding services and fairer fees
  
  Qudos Bank Arena
  If you're heading to Qudos Bank Arena, escape the crowds and relax in the Qudos Bank Lounge.
  
  The Qudos Difference
  Outstanding services and fairer fees
- Careers
- Ways to bank
  All your ways to bank
  We make banking with us easy and convenient
  
  Digital banking
  Bank on the go anywhere, anytime.
  
  Deposits and Withdrawals
  Access your money your way
  
  Contact Centre
  Talk to a customer service specialist today!
  
  Our branches
  Visit our friendly personal bankers at one of our branch locations
  
  Payments and Transfers
  We offer a range of ways to bank, making banking with us easy and convenient.
  
  Accessible Banking
  Our services have a range of accessible features that ensure ease of banking.
- Corporate information
- Corporate responsibility
News, tools & tips
- News
- MyQ
- Blog
- Calculators
  Home loan calculators
  We have a range of handy home loan calculators to help you better manage your finances.
  
  Savings calculators
  We have a range of great savings calculators to help you better manage your finances.
  
  Personal loan calculators
  We have a range of great personal loan calculators to help you better manage your finances.
Support
- Fraud & security
- Financial support
  Financial hardship
  Financial hardship is the difficulty in paying your bills, loan repayments and other expenses. Qudos Bank is here to help provide financial assistance.
  
  Financial abuse
  Financial abuse is where an abuser uses finances and money to control another person.
  
  Elder abuse
  Elder abuse is where a single or repeated act causes harm or distress to an older person.
  
  Assisting you during COVID-19
  In response to the COVID-19 pandemic, we helped our customers navigate their financial difficulties via a dedicated relief package.
- Disputes & complaints
  Transaction disputes
  If you think you’ve discovered a transaction you don’t recognise or haven’t authorised, you can lodge a transaction dispute.
  
  Complaints resolution
  As part of our commitment to maintaining customer satisfaction, Qudos Bank offers an internal dispute resolution procedure that is readily accessible and free
  
  Payment Service Availability Reporting
  The Reserve Bank of Australia require us to regularly disclose reporting on availability and ‘significant’ outages or incidents for retail payment services.
- Legal
- FAQs
- Open banking
Contact us

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What are Real-time payments?

Real-time payments are transactions processed almost immediately and available 24/7 between participating institutions. You no longer have to wait up to 3 business days for payments to reach your account, real-time payments provide convenience and speed.

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