Northern Inlands smartPAY app allows you to complete everyday banking functions on your mobile phone.

The app will work on Android devices (version 3 and above) and iOS devices (iOS 7 and above).

Yes, however you will only be able to utilise the payments section for existing payees in your address book. Card changes are not allowed from these devices.

The smartPAY app is free to download at the Google Play or Apple App Store. The app does use a small amount of data, so data usage charges may apply from your mobile network provider.

The smartPAY app allows you to complete your everyday essential banking functions on your mobile phone. You can view your accounts and check account balances; transfer funds between your own accounts, utilise Pay Anyone functionality and pay bills via BPAY, including setting up new billers. The app also has a branch locator, as well as card functions that allow you to change the PIN on any of your cards, or report them lost or stolen.

You can download the app from the Google Play or Apple App Store.

You will need to be registered for Online Banking before being able to use the smartPAY app. You will need to know your Member Number as well as your Online Banking password. If you have not registered for Online Banking, contact us on 02 6763 5111 or apply here. Please note: if you have never accessed Online Banking before you must first login on your computer to set-up your Online Banking password before accessing the smartPAY app.

When you first log into the app you will be asked for your member number and Online Banking password. You will then be asked to create a passcode. Your passcode must be a minimum of 4 digits long. Once you’ve entered these details and created the passcode, the app will be ready to use.

No, you can only register the app on 1 device at a time. If you try to register on a second device, it will deregister you automatically from the first device.

Some manufacturers unlock devices to add their own branding, in some cases when the unlocking is reversed a step is missed which may not remove the administrator or root access. Refer to your phone vendor for further information.

Your passcode is chosen by you when you register the smartPAY app and gain entry to access its secure features for the first time. Your card PIN is the PIN for your card. For your security, we recommend that you choose a passcode that’s different to your PIN. And like your PIN, you should keep your passcode confidential.

The app will need an internet connection to register, retrieve your latest balances and transaction details and perform payment and card functions. You can do a limited number of Tap & Pay transactions without an internet connection before you will be prompted to establish an internet connection.

You can report a card lost or stolen by selecting the ‘Cards’ option from the ‘Accounts’ screen, and then selecting ‘Report Lost or Stolen Card’. You will then need to confirm whether the card is Lost or Stolen and finally select ‘OK’ to confirm the action. This will cause all transactions attempted on the card to be declined, including any recurring payments, balance updates and transfers performed via the Mobile Banking app. You will need to contact us by calling 6763 5111 to organise a replacement card.

All these transactions will be blocked: 1. Point of Sale transactions 2. All MasterCard and Visa transactions 3. Any Direct Debits linked to a card Note: transactions that come from a bank account linked to a card will not be blocked

Scheduled payments that are set from your bank account will be processed however direct debits that have been set up against your card will be blocked.

Yes

Use the Lost or Stolen function in the app to stop the card and have a new one issued. Alternatively a new card can be re-ordered by contacting the contact centre.

Once you remove a block on your card you can use it immediately.

Whenever you have misplaced your card but expect you may still recover it; or have concerns about the security of your card, e.g. travelling overseas.

You can change your PIN using the app by selecting the ‘Cards’ option from the ‘Accounts’ screen, and then selecting ‘Change PIN’. You will be able to set up a new 4 digit card PIN in the app whether you know your exisiting PIN or not.  If you know your current PIN, you will need to enter your current PIN, enter a new PIN, confirm this new PIN and then select ‘Update’. The change of PIN is effective immediately. If you don't know your current PIN, select the tick box 'I don't know my PIN' so that you can enter a new PIN.

Yes if you select the tick box 'I don't know my PIN', you will be able to create a new PIN via the smartPAY app.

Once you have activated your card through Online Banking, it can take up to 24 hours for your card to be available through your smartPAY app.

Yes. You can access all payments functions by choosing the ‘Payments’ option from the ‘Accounts’ screen. To pay a bill select the ‘BPAY’ option. Choose the ‘Select or Create Biller’ option to select an existing biller from your ‘Biller Address Book’. Enter the amount you wish to pay and an optional description, and then select ‘Make Payment’. The payment will then be verified and a receipt issued if the payment is complete. You can set up and save a new biller using the app by selecting the ‘Add Biller’ option from the ‘BPAY’ screen.

Yes. You can access all payments functions by choosing the ‘Payments’ option from the ‘Accounts’ screen. To make payments to other accounts within Australia, select the ‘Pay Anyone’ option. Choose the ‘Select or Create Biller’ option to select an existing biller or create a new one. Enter the amount you wish to pay and an optional description, and then select ‘Make Payment’. The payment will then be verified with a ‘Payment Complete’ pop up. You can make a payment to a new account by selecting the ‘Add Payee’ option from the ‘Pay Anyone’ screen.

To make transfers between your own accounts with Northern Inland Credit Union select the ‘Transfer’ option. Choose the ‘Transfer from account’ and the ‘Transfer to account’. Enter the amount you wish to transfer and an optional description, and then select ‘Make Transfer’. The transfer will then be verified with a ‘Transfer Complete’ pop up.

Currently only transfers to domestic (Australian) accounts are supported via our smartPAY app, however you are able to make international payments through our Online Banking.

• decline to process your scheduled transfer or payment, or
• use our discretion to honour the payment

Your balance is automatically displayed when you open the app, but to make sure that the displayed balance is current you may have to refresh by sliding down on the screen. You do not have to login just to check your balance.

Menu > Deregister Device

From here, you will need to follow the prompts

If the Application no longer exists on the deregistered device, you will need to download and install the latest version of the smartPAY App from either Google Play or App Store onto the deregistered device.

If the application does exist or you have reinstalled the application on your device, you will need to open up the application and re-register the device using your Online Banking login details.

• Memorise your passcode as soon as possible
• Use a number that is not obvious or can't be easily guessed. Don't use your date of birth or driver's licence number
• Take precautions when using the smartPAY app - don’t let anyone watch you enter your passcode.

• Tell or let anyone find out your passcode - not even family or friends
• Record a passcode on your device or computer
• Keep a record of the passcode with your device.

As with all personal belongings, take extra care to keep your phone secure and safe.

There are a few things that you can do:
• Use a strong screen lock or PIN that cannot be easily guessed;
• Keep your phone locked when you’re not using it; and
• Ensure your phone is registered with your phone network provider.