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Transferring money and making payments

How do I transfer money between my accounts or to others?

iBank allows you to perform both internal and external transfers on your account, however to do this you will need to establish a Daily External Transfer Limit. Refer to 'Daily External Transfer Limits' under 'Managing Accounts' for more information.

  1. Go to the 'Transact' menu and select transfer, from there you can select an account from the 'Transfer From' drop down list or by typing an account/ payee you wish to select. (these may be pre-existing 'Personal Payee' that you have transferred to before, to transfer to a new payee, check 'Pay New Account' and follow the prompts).
  2. Transferring to a new destination entirely? Follow these steps:
    1. Enter the BSB (Bank, State Branch of your destination account) of the new account, or tick the 'Transfer to another Hume Bank account' box to have Hume Bank's BSB (640 000) entered automatically.
    2. Proceed to enter the destination's Account Number. This is partnered with a BSB to ensure the funds follow the correct path to the specific account. 
    3. Enter the 'Account Name', ask the holder if you are unsure.
    4. Review the information to ensure the information is correct, payment may not be recoverable if there is errors. You will be asked for your SMS security code to confirm your new Payee.
  3. Enter a reference so your transaction is identifiable.
  4. Enter the correct amount.
  5. Decide a time to transfer. (This may be 'Transfer Now', on a certain date by selecting 'Once on' button and selecting a date off the calendar, or at recurring intervals by selecting the 'Recurring' circle and following the prompts). 
  6. Review and confirm details to ensure a correct transfer!



When will recipients receive my transfer?

Funds are generally available in the recipient’s account within 1 working day, however these time frames are dependent on the processing times of the recipient institution. 

How do I stop an External Transfer?

If you have processed an External Transfer incorrectly and you need to stop the transaction, contact Hume Bank on 1300 004 863. Generally transactions are sent to the other institution at 9:00am, 12:00pm, and 5:00pm each working day. If the transaction has already been sent to the other institution we may not be able to reverse the payment and the Mistaken Internet Payments process may apply, refer to the PDS for more information.


What is BPAY?

BPAY is an Australian electronic bill payment system. If your bill allows you to pay via BPAY, you will see a biller code and reference number similar to this.  

Refer to the Product Disclosure Statement for more information.

Bills featuring this payment method may also allow you to receive bills online through iBank using BPAY, refer to What is BPAY View for more information.

How do I perform a BPAY transaction?

  1. Hover over the 'Transact' button and select BPAY, from there selecting an account from your 'pay from' list. (previously stored payees will be in your 'Personal Payees' section, select one and the biller code will be completed for you)
  2. If your biller is new, select 'Pay New' from the drop down list and enter the biller code (refer to the image in the section above, to save a biller for future payments select 'Payee name to save for future use' field.)
  3. Enter the 'Reference' supplied by your biller, this may be different for each biller, make sure to check and alter if needed. 
  4. Enter the amount requested on the bill.
  5. Decide a time to transfer. (This may be 'Transfer Now', on a certain date by selecting 'Once on' button and selecting a date off the calendar, or at recurring intervals by selecting the 'Recurring' circle and following the prompts.)
  6. Review and confirm details, select 'Back' to make amendments.

Are there dollar limits on BPAY Transactions?

Hume does not set limits on BPAY transactions. Some billers set minimum and/or maximum limits for payments and you will receive an error message in iBank if you attempt to process a transaction that is outside of those limits. Please contact your biller if you require further information.

What is BPAY View?

BPAY View is a way for you to receive and view your bills through iBank. Once you have registered for BPAY View, you can view, pay and track payments of bills received from nominated billers conveniently from within iBank.

How do I register for BPAY view?

  1. Go to the 'BPAY View' section under the 'My Options' drop down menu 
  2. Follow the prompts, you will need your paper bill when you register.
  3. Elect to receive an email notification when your bill has arrived, or you will be notified when your bill has arrived next time you log into iBank. 
  4. Once completed, it will take approximately 2 working days and you will be notified electronically if your request has been successful. 


How do I issue a cheque via iBank?

  1. Hover over 'Transact' in the main menu, then selecting 'Cheque'.
  2. Select an internal account from the 'Draw from' menu and select a payee destination. (This may be a pre-existing payee you can select and have the information automatically filled out or a new payee when you mut select 'Pay new' and follow the prompts, alternatively selecting 'select for an institution payee' and filling out the information required).
  3. Enter a reference to be printed on the cheque. (This is optional). 
  4. Decide a time to transfer. (This may be 'Transfer Now', on a certain date by selecting 'Once on' button and selecting a date off the calendar, or at recurring intervals by selecting the 'Recurring' circle and following the prompts). 
  5. Review the details and confirm the Cheque payment. 


Batch Transactions

What is a batch transaction?

Batch transactions allow you to pay to multiple destinations from a single account - for example paying your employees wages. These can be created for transfers, BPAY and cheque payments.

Transaction fees may apply, refer to fees & charges for more details, batches can be set up either manually through iBank or upload from your accounting software. 

How do I set up a batch?

This can be done either manually through iBank or automatically through an ABA file.

To set up manually...

  1. Go to 'Transact' from your main menu, select 'Batch Transactions' and select a transaction type (BPAY, internal or external transfer or Cheque).
  2. Enter a 'Batch Description', then select which account it will be taken from with the 'From Account' field. (Select 'Post as total' if you'd like it to appear as a single transaction on your statement).
  3. (If the transfer is an internal or external, if not go to step 4) Select a reference to appear on the transaction.
  4. Select 'Save' to save the batch.
  5. Select either an existing Personal Payee or 'New Payee', filling out the New Payee felts as required, and then select 'Add Payee to Batch'.
  6. Fill out all required information (description/name, destination account, amount) in the 'Batch Payee Description' field, this will be sent every time the batch is run.
  7. Repeat steps 5-6 to add additional payees.
  8. Select 'Save' to save all changes. 
  9. You will return to the 'Batch Transactions' page where you may make any adjustments required.


To set up automatically (uploading an ABA file)...

Note: an ABA (Australian Bankers Association) file is a standard format used by banks for multiple transactions. Accounting packages held by businesses can produce these, allowing iBank to read and process that information.

  1. Select 'Transact' from the iBank main menu, then selecting 'Batch Transactions' and from there the 'Upload' feature (Standard ABA file should already be selected under document type). 
  2. Select 'Choose file' and select the file from the location on your computer, you must then give the Batch a description no more than 20 characters.
  3. Select 'From Account', checking the 'Post as Total' option if you want it to appear as a single transaction on your account, and then giving it a reference to identity the transaction. 
  4. Click the 'upload' button and from there you will be returned to the 'batch transactions' page to make adjustments if required. 

How do I schedule a Batch Transaction?

Open all currently loaded batches by selecting the 'Batch Transactions' from the 'Transact' menu. 

  1. Next to the batch you'd like to schedule, click the 'schedule' link under the 'actions' column.
  2. Select a 'Payment Date' using the calendar. (Selecting today's date means it will transfer as soon as possible, External transfers outside business hours will be transferred in the next available slot. Refer to the 'When will the recipients receive my external transfer' section in 'Transacting on iBank' above.) 
  3. Adjust payment amounts if required - however this will only change this amount for the one time and the default amount set will remain the same. 
  4. If another is required to sign on joint accounts, check the option next to the signatory to display additional input fields. From there the signatory can enter their member number, password and an SMS security code. (If this isn't completed the batch will hold pending their authorisation, click the 'Store' option where additional signatories can then complete this step by operating on the account).
  5. Click 'OK' to save changes, this will then take you back to the Transaction Batch List, the batch can then process at the time you selected. 

What if my batch contains errors?

If there's an error or invalid entries (BSB codes, account numbers, etc.) then the page will read 'New - contains upload error'.

The whole batch may reject if there are discrepancies in the data, e.g. a mismatch of transaction totals to the batch totals, or a mismatch of transaction count to total transactions.  For this type of error, you will need to determine the cause, fix the source data and upload the batch again.  To view details of the Uploaded Batch, click on the ‘Show Errors’ link for the batch. If required, you can delete the details from the 'Uploaded Batches' list by using the ’Delete’ button for the appropriate item.

What if my Batch exceeds my Daily External Transfer Limit?

If this happens, the whole batch will be rejected and NO transactions will be posted. 

To increase you limit, refer to 'How do I increase my Daily External Limit' below, under 'Managing Accounts'. 

Can I copy an existing batch to make a new batch?

Yes, open 'Batch Transactions' from the 'Transact' menu. Select the 'Copy' option from the actions column next to the account you wish to duplicate. 


Future Payments

How do I schedule funds to be debited out of my account at a later date?

This can be done through iBank's 'Future Payments' function. This allows payments to be processed at a later date. It can be set up for each of the three transaction methods of iBank (Transfer, BPAY or Cheque).

Note: a Daily External Limit must be set up to process a future payment via External Transfer, this function will count towards the limit on the day the transaction is processed. Refer to the Daily External Transfer Limit section for more information. (Fees may also apply for cheque payments, refer to the Fees & Charges brochure for more information)

To set up a future payment...

  1. Begin a transaction just like you would for any once off payment (refer to above sections).
  2. When selecting a time for payment to be made, you have two options:
    1. Single Future Payment - check the 'once off' box for just a single payment, select a date from the calendar and confirm the details to establish the payment. 
    2. Recurring Future Payment - Check 'Recurring' to make a regular repayment. Select a frequency of payment from the drop down list, select a starting date for the payments to be processed and to continue these payments indefinitely select 'No End Date'. 
  3. Select 'next' to confirm details and establish the payment to be processed on the date/ next day indicated.

How can I cancel or change a future payment?

To cancel a future payment...

  1. Log into iBank, hover the 'Transact' menu and select future payments. 
  2. Select the 'delete' button corresponding with the payment, confirm by clicking delete.


To modify a future payment...

  1. Log into iBank, hover the 'Transact' menu and select future payments. 
  2. Select the 'change' button corresponding withe the payment you wish to change, amend the details where neccessary. 
  3. Click next and then 'OK' to confirm.


Pending Authorisations

What is a pending authorisation?

Pending Authorisations are used to assist in the authorisation of transactions on accounts that require two or more signatures. An account holder can set up and authorise a transaction, then save the transaction as a Pending Authorisation to allow a second signatory to the account to, log into iBank at a later date and provide the second authorisation to allow the transaction to proceed.

How do I set up a pending authorisation?

Pending authorisations are established by the first signatory who is establishing the transaction (see the “Transacting” section above for information) selecting “store” to save the transaction for approval at a later date.  

How do I approve a pending authorisation?

Once a transaction pending your authorisation is established, the transaction will be listed on your welcome screen when you next log in to iBank, within the "Pending Authorisations" widget. Alternatively, pending authorisations can be viewed and approved by hovering over "Transact” in the top menu, then selecting "Pending Authorisations".


Personal Payees

What is a Personal Payee?

These are the accounts you can save as a near 'address book' for your payments. Selecting pre-saved Personal Payees can auto-fill certain sections of information when completing transactions. They can be set up by selecting 'Payee name to save for future use' when completing transactions or the 'add new payee' function. (see below).

Payee Type Information Required 
BPAY Biller Code and reference number
Internal Transfer (To Hume account) Account Number
External Transfer BSB, Account number, and account name
Cheque* Name of Payee, destination address


How do I set up a new payee?

Any new transaction can allow for the recipient to be saved as a new payee by entering the name in the 'Payee name to save for future use' field during the transaction.

Alternatively, without a transaction, you can set up a new payee by...

  1. Hover the 'Payee' menu on iBank, selecting either Transfer, BPAY or Cheque depending on the type of payee you wish to save. 
  2. For BPAY and Cheque payees, select 'Add new payee'. For Transfers, select 'Add internal Payee". For non-Hume accounts, select ''Add external payee'.
  3. Follow the prompts as you would during a transfer and conclude by selecting 'Update' to save the information. 


Payee Type Information Required 
BPAY Biller Code and reference number
Internal Transfer (To Hume account) Account Number
External Transfer BSB, Account number, and account name

Name of Payee, destination address