Mobile Banking App Terms and Conditions

Getting Started

You will need to be registered with Internet Banking before being able to use the Mobile Banking App. You will be required to have a member number as well as a password. If you have not registered with Internet Banking, contact Unity Bank on 1300 36 2000.

Introducing the Mobile Banking App

With the Mobile Banking App, you can pay your bills using BPAY® and make payments to others using their Australian BSB and account number, check your account balance(s), transaction history, and transfer money between your Unity Bank accounts.

You must only use the Mobile Banking App with a compatible iPhone or Android device. You can install and register the Mobile Banking App onto a total of 6 iPhone or Android devices combined.

These terms govern your use of the Mobile Banking App, together with the Unity Bank Account & Access Facility – Conditions of Use.

Making payments

  1. Making Payments using a BSB and account number
  2. Payments will be processed by BSB and account number only, without using an account name. Some institutions with unique account numbers may disregard the BSB number. Please take care to enter the correct BSB and account number as you may not be able to recover a payment if it is credited to a mistaken account - e.g. if there are no funds in the account.

  3. Making Payments using BPAY
  4. Payments will be processed by using a valid Biller Code and Customer Reference Number. Although the Mobile Banking App performs checks for a valid Biller Code, it is your responsibility to ensure all details are entered correctly as you may not be able to recover a payment if it is credited to the wrong Biller or to an incorrect Customer Reference Number.

  5. Making Payments using OSKO
  6. Osko allows the making of payments in near real-time in the Mobile Banking App. This is completed with the use of a registered payID or an Osko enable Bank Account.

    When making a payment, Osko will be the fastest and preferred method to process the payment, when it is available, Osko will be used to complete payments, in near real-time, when:

    • it is to a PayID that is registered to receive Osko payments
    • the BSB and account number where the recipient bank has Osko enabled for that account
    • the account type supports the receipt of Osko payments

    When these are unavailable, the payment will be cleared using traditional methods.

Use of the Branch Finder

You are able to locate our Bank branches Australia-wide. Although care has been taken to represent accurate information and hours of operation some may be presented differently on the maps.

General Conditions

  1. Mobile Banking App Passcode
  2. When you register for the Mobile Banking App, you are required to set up a Mobile Banking App passcode. You can change this passcode at any time, once you have logged into the Mobile Banking App

  3. Protecting your Mobile Banking App Passcode
  4. You should always:

    • memorise the passcode as soon as possible - but if you record it, carefully disguise it so that others can't decipher it;
    • use a unique number that is not obvious or can't be easily guessed (e.g. don't use your date of birth or driver's licence number); and
    • take precautions when using the Mobile Banking App (e.g. don’t let anyone watch you enter your passcode).
    • You must never:

    • 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.

  5. Biometric Login
  6. If you have the Mobile Banking App installed on an iOS or Android device that has Touch ID/fingerprint identification available, or an iOS device that has Face ID available, you will be able to turn on biometric access for the Mobile Banking App.

    Where you have opted to enable Biometric login, any of the biometrics (eg: fingerprint or face recognition) you store on your phone can login and can authorise any transactions in your Mobile Banking App. You should ensure that only your biometrics are stored on your device. When you login using Biometric login, you instruct us to perform those transactions.

    You can delete any of the biometrics you store on your device at any time by going into your devices settings.

    If you lose your device, you must notify us as soon as possible.

    We also recommend that you enable a screen lock on your device, in addition to the Mobile Banking App Passcode, so as to prevent unauthorised access to your device and the app.

    Your device Passcode and your Mobile Banking App Passcode must not be the same number.

  7. Jailbroken/Rooted Devices
  8. Our Mobile Banking app is available on a wide range of Android smartphones and iPhones. While we support many devices, experiences and performances may vary.

Other things you must do

Lock your mobile phone device and take any reasonable steps to stop unauthorised use of the Mobile Banking App or disclosure of your card details.

Notify us immediately if your device is lost or stolen or you suspect your Mobile Banking App access passcode or your card details have become known to someone else. You can contact us on 1300 36 2000 within Australia or +61 2 8263 3200 if overseas to report the theft, loss, or misuse of your Android device or iphone device, or breach of passcode security. Only install approved applications on your Android device or iPhone and never override the software lockdown (i.e. rooted device).

Other things you must never do

Don't ever:

Other things you should know

  1. Using the Mobile Banking App on more than one device
  2. You can only install and register the Mobile Banking App onto a total of 6 Android or iPhone devices combined.

    If you are no longer in possession of one or more of your registered devices, you should remove them from your devices list from the 'Settings' menu, or by calling Unity Bank on 1300 36 2000.

    For security reasons, logging on to the Mobile Banking App concurrently with another device(s) will terminate the session of the device that was last logged on.

  3. Your account balance may include cheques awaiting clearance
  4. When checking your account balance, please note that the amount described as available funds will not include cheques subject to clearance.

  5. Fees
  6. Any transaction fees and charges that apply to your Unity Bank accounts may apply to transactions made using the Mobile Banking App. For more information refer to Unity Bank Schedule of Fees and Charges or call us on 1300 36 2000.

    You may incur charges from your mobile service provider for downloading and using the Mobile Banking App. You may also be charged fees or charges by merchants for using the facility.

  7. Using your location data
  8. If you grant the Mobile Banking App permission to use your mobile device location information then you also consent to us logging this location information for security purposes and to enable other Mobile Banking App functionality where location information is required (e.g. nearest branch).

  9. Suspension or termination
  10. We may suspend or terminate your use of the Mobile Banking App without notice at any time e.g. if we suspect unauthorised transactions have occurred or that the Mobile Banking App is being misused.

  11. Reporting Lost and Stolen Cards
  12. Cancelling your card through the Lost and Stolen process, using the Mobile Banking App, does not mean that you have disputed any unauthorised transactions made on your account. Call us right away if you need to report any unauthorised transactions.

    The report lost or stolen function is reliant on computer and/or telecommunications systems. Disruptions to these systems may result in the report of damaged and lost or stolen functions being unavailable from time to time.

    Whilst we make every attempt to decline transactions once you have completed the lost/stolen process, some transactions may still go through e.g. transactions that are not sent to us for authorisation including some contactless payments or transactions processed when there is a system interruption. If you identify any unauthorised transaction you can lodge a dispute with us.

    Reporting a card as lost/stolen will cause all transactions against the card to be declined including any recurring payments linked to your Visa card.

    The cardholder can report their card lost or stolen using the report lost/stolen function, however, the settings will only apply to the card(s) held by that cardholder.

  13. Push Notifications
  14. The Unity Bank App has push notification functionality meaning that Unity Bank can send push notifications in the form of service announcements and marketing messages.

    There is an option within the Notification menu of the app that allows the app user to switch this functionality on or off. If the functionality is switched off within the app, only important service announcements will be sent to you via a push notification.

    Push notification alerts can also be managed from your phone settings. These settings will override any settings selected within the app.


You agree that we may disclose your details to the recipient of the funds to aid them in identifying the transaction.

  1. Changes to these Terms
  2. We may change these Terms at any time without prior notice. We will notify you of any material changes by electronic notice to you via your device, the Google Play or App Store. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the Mobile Banking App.

  3. Meaning of words

Card details means the card number and expiry date or security/verification code of a Unity Bank Visa card linked to the Mobile Banking App

Your account means any Unity Bank account accessible using online banking.

Compatible Android means Android devices that meet the requirements listed in the Google Store.

The Mobile Banking App means the Mobile Banking App service described in section 1.

We, us, our or Unity Bank means Unity Bank Ltd ABN 11 087 650 315.

You or your means the person downloading the Mobile Banking App.