Internet Banking Terms and Conditions

Effective 1 August 2024

We have amended these Internet Banking Terms and Conditions to reflect that Suncorp Bank and it Subsidiaries were recently acquired by ANZ and are no longer part of the Suncorp Group.

Suncorp Bank is the name we use to describe Norfina Limited (ABN 66 010 831 722).

The SUNCORP brand and Sun Logo are used by Suncorp Bank (Norfina Limited) and Suncorp Equipment Finance (Norfina Advances Corporation Pty Ltd) under licence. Suncorp Equipment Finance is a subsidiary of Suncorp Bank and is not an authorised deposit-taking institution. Neither Suncorp Bank nor Suncorp Equipment Finance is a part of the Suncorp Group.

Suncorp Bank will operate as a separate bank to ANZ. Some business support functions and other services may be performed by its Related Entities for Suncorp Bank.

Who to contact regarding these Terms and Conditions

Banking

If you have any queries regarding Internet Banking or these Conditions, please call our Customer Service Team on 13 11 75. or visit the Contact Us section of our website to send us a message online.

Definitions

Words in these Conditions in Capitals have a particular legal or banking meaning which is set out at the end of these Conditions in Clause 30.

Banking Code of Practice (BCOP) and ePayments Code

Where applicable, the relevant provisions of the Banking Code of Practice (BCOP) and the ePayments Code apply to this service.

Advice and disclosure

Unless specifically stated, no financial product advice, financial advice or investment, legal or taxation advice of any kind is provided through Internet Banking.

You should obtain your own advice on any matters before you make a decision about any product or service available or offered through Internet Banking.

Where financial product advice is provided through Internet Banking, it is general advice only. Suncorp Bank, the relevant Related Entity or Third Party has not taken into account any of your personal circumstances, objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider the appropriateness of the advice having regard to your personal circumstances, objectives, financial situation and needs.

You should obtain and consider the relevant Product Disclosure Statement (PDS), any Product Information Document (PID), terms and condition as well as any other related material for the products and services that are available through Internet Banking before you make a decision about whether to acquire or continue to hold that product or service.

For a particular product or service, the relevant PDS or PID, terms and conditions and any Target Market Determination can be obtained from the issuer of the product or service.

1. Conditions

These Conditions apply to Internet Banking and Internet Banking Transactions. All the other Terms and Conditions that apply to your accounts still apply, including if applicable the Terms and Conditions for Suncorp Bank Accounts and other particular Conditions that Suncorp Bank has given to you in writing. If there are differences between these Conditions and any particular Conditions we give you, the particular Conditions apply. If there are differences between these Conditions and the Terms and Conditions for Suncorp Bank Accounts and Continuing Credit Accounts, these Conditions apply. You can obtain another copy of the Terms and Conditions for Suncorp Bank Accounts by visiting our website at any Suncorp Bank branch or by phoning 13 11 75. When you visit a Suncorp Bank website page other than Internet Banking or the Internet Banking Transactions page, that page may be owned and operated by a different company to Suncorp Bank. It may have its own relevant online terms and conditions relevant to those products and product issuers which you may be deemed to have accepted by use, or be required to accept.  

2. Accepting these Conditions

You accept and agree to be bound by these Conditions by clicking on the "I accept these conditions" button at the bottom of this screen or when you register or logon to Internet Banking, which ever first occurs, or in the case of completing an online application to open an account, by ticking the ‘I have read and agree to the above’ box during the application process.

3. Registering for Internet Banking

A. Where you have to manually register for Internet Banking

In order to manually register for Internet Banking, you will need to have a Telephone Access Code (TAC) or temporary TAC. To get a temporary TAC to enable you to register for Internet Banking simply call 13 11 75. Once our staff have identified you, you will need to select a TAC or be provided a temporary TAC.

Your TAC or temporary TAC must be between 4 and 6 digits long. It cannot be:

1. a numeric code that represents your date of birth
2. your driver's license number
3. a series of consecutive or the same numbers

Once you have a TAC or temporary TAC you can register for Internet Banking by going to the Suncorp Bank website. You will be required to enter either your TAC or temporary TAC and at least one of your Suncorp Bank Account numbers. You will then be asked to choose an Internet Banking Password (IBP) which will be used in the place of the TAC or temporary TAC in all subsequent Internet Banking Sessions.

B. Where you open a single Account online (available only for some Accounts)

You will be automatically registered for Internet Banking as part of the online application process. The email address that you provide as part of the Account application, and the selection of an Internet Banking Password (IBP) will be required to complete the automatic registration.

You will be asked to provide your email address and create your IBP in the personal details section of the online application.

Your IBP must follow the password requirements as outlined in the General requirements (Section C) below.

Your Internet Banking profile will not be created until you have fully completed the online application form.

Upon completing the online application, you will be given a Customer ID which will be emailed through to you and displayed on the confirmation page.

Once you have been provided with a Customer ID, you will be able to login to your Internet Banking profile, either by using the login button provided on the confirmation page, or by navigating to the Suncorp Bank website and clicking the login button in the top right corner.

C. General requirements

You will need at least one valid email address to register for Internet Banking. This will be used to communicate outcomes of your Transactions setup within Internet Banking.

Your IBP must be between 6 and 8 letters and/or numbers. It cannot be:

• a numeric code that represents your date of birth
• your driver's license number
• a series of consecutive or the same numbers
• an alphabetical code that is a recognisable part of your name
• your mother's maiden name
• your child's name

After you have successfully registered for Internet Banking you will be given your Customer ID. You must remember your Customer ID as you will need to use it each time you logon to Internet Banking along with your IBP.

We may require you to use an additional access device or code to operate Internet Banking.

You will also need to have access to Secure Computer Equipment with Suitable Software. By accepting these Conditions you certify to us that you are only attempting to gain access to Internet Banking using Secure Computer Equipment with Suitable Software.

We will make best efforts to render support to customers using Suitable Software should it be required however, Suitable Software from some vendors will be more difficult to support and may result in us offering general advice only.

We recommend using the most recent browser for your computer’s operating system and have detailed our supported browsers on the Suncorp Bank website. The Suncorp Bank website also has some basic Online Security hints and tips this information can be viewed at https://www.suncorpbank.com.au/security/keep-yourself-secure.html.

By accepting these Conditions you certify to us that you are only attempting to gain access to Internet Banking using a computer with Suitable Software.

We are not liable for any loss, damage or consequential loss or damage if you use or attempt to access Internet Banking without using Suitable Software, except to the extent that the loss is caused by our fraud, negligence or wilful misconduct or that of our officers, employees, contractors or agents.

4. ePayments Code

Where you are an individual, the ePayments Code applies to the following transactions provided by us, each of which is an ePayments Transaction:

• electronic card transactions, including ATM, EFTPOS, credit card and debit card transactions that are not intended to be authenticated by comparing a manual signature with a specimen signature,
• Telephone Banking and bill payment transactions,
• internet banking transactions, including by way of External Transfer,
• online transactions performed using a card number and expiry date,
• online bill payments (including BPAY®),
• transactions using facilities with contactless features and prepaid cards, not intended to be authenticated by comparing a manual signature with a specimen signature,
• direct debits,
• transactions using mobile devices,
• mail order transactions not intended to be authenticated by comparing a manual signature with a specimen signature, and
• any other transaction specified by the Australian Securities & Investments Commission.

We will comply with the ePayments Code where it applies.

We agree to follow the rules of the ePayments Code for ePayments Transactions made in Australia and we give you a warranty that we will do so.

This does not apply to:

• an Account that is designed primarily for use by a business, and established primarily for business purposes, or
• a facility where you and Suncorp Bank do not have a contractual relationship.

5. Your Secret Codes

Your Secret Codes are the key to accessing Internet Banking, your Secret Codes are valuable and should be kept secret.

If we allow you to select your Secret Code, you should not select a numeric code that represents your date of birth, your driver’s license number, a series of consecutive or the same numbers, an alphabetical code that is a recognisable part of your name, your mother’s maiden name or your child’s name.

You will agree to tell us quickly and without delay by telephone by calling our Hotline number which is available 24 hours a day 1800 775 020 you think someone knows any of your Secret Codes.

6. Your Secret Code Security Requirements

You must not voluntarily disclose one or more of your Secret Codes to anyone, including a family member or friend.

You can record your Secret Codes to help you remember them but they must be reasonably disguised. You should NOT:

• put any Secret Code on your Card even if you disguise it;
• reverse the order of the Secret Code;
• say a disguised number is your Secret Code;
• disguise your Secret Code as a telephone number;
• replace your Secret Code with letters (eg. A=1, B=2, C=3);
• write numbers that contain the same sequence of numbers as your Secret Code;
• record it on any secure computing equipment where it can easily be retrieved
• keep a record of it in close proximity to where it can be obtained with the access method (for example next to your secure computing equipment) unless you make a reasonable attempt to protect the security of the Secret Code; or
• where a Device is not needed to perform an ePayments Transaction keep a written record of all Secret Codes required to perform ePayments Transactions on one or more articles liable to be lost or stolen simultaneously, without making a reasonable attempt to protect the security of the Secret Code(s).

These are only examples. There are other ways that you should not use to disguise Secret Codes that could make your Secret Codes obvious to another person.

Your liability for losses arising from an unauthorised transaction will be determined under the ePayments Code (refer to clause 8 to clause 9 of these Terms and Conditions).

7. Withdrawal Limits

There are two types of withdrawal limits that apply when processing payments in Internet Banking and the Suncorp Bank App:

1)    Transaction Limit

When completing certain transactions in Internet Banking and the Suncorp Bank App and the total value of these transactions exceeds $3,000 in any given day we will require you to input a Security Token Code. More information on Security Tokens is available in section 14. We may vary the Transaction Limit and/or the types of transactions which require a Security Token Code.

The table below details the types of transactions that utilise this daily transaction limit:

~PayTo only available on Suncorp Bank App.

International Transfers

Where you wish to make an International Transfer you will be required to input a Security Token Code regardless of the total value of the transaction.

2)    Daily Limit

Your daily limit is a security measure to limit the amount of money that can be transferred from any of your Accounts in Internet Banking, and the Suncorp Bank App. Your default daily limit will be $5,000 unless we agree otherwise. Your daily limit will be shared across Internet Banking and the Suncorp Bank App. We may vary the default daily limit at any time and provide at least 30 days’ notice of the change. 

The table below details the types of transactions that utilise this daily limit:

~PayTo only available on Suncorp Bank App.

What happens if you exceed your daily limit:

The total of all transactions (including Future Dated and Recurring Payments) which utilise your daily limit across Internet Banking, and the Suncorp Bank App on any given day from all of your Accounts must be less than your daily limit. If you attempt to perform a Transaction that exceeds your daily limit, it may be rejected.

8. When You are Not Liable for Any Losses

An unauthorised transaction, that is a transaction you do not authorise, does not include any transaction carried out by you or by anyone performing a transaction with your knowledge and consent. You will not be liable for losses resulting from unauthorised transactions where it is clear that you have not contributed to the loss.

Where you do not authorise a transaction, you will not be responsible for losses which:

• are caused by fraud, negligence or wilful misconduct of us or our officers, contractors staff or agents of ours or Third Parties involved in networking arrangements or merchants or their agents or employees;
• are losses relating to an Identifier, Device or Secret Code which is forged, faulty, expired, or cancelled;
• arise from a transaction which required the use of any Device and / or Secret Code that occurred before you received any Device and / or Secret Code or reissued Device and / or Secret Code;
• are caused by the same transaction being incorrectly debited more than once to the same Account;
• arise from unauthorised transactions performed after we have been informed that the Device has been misused, lost or stolen or the security of the Secret Code has been breached;
• arise from unauthorised transactions that can be made using an Identifier without a Secret Code or Device or can be made using a Device, or a Device and an Identifier, but does not require a Secret Code, if you do not unreasonably delay reporting the loss or theft of the Device; and / or
• are losses which occur while our processes are unavailable, provided that a report is made within a reasonable time of the process again becoming generally available.

9. When You are Liable for Losses

You will be liable for losses resulting from transactions which are carried out by you or by another person with your knowledge and consent.

Where we can prove on the balance of probability that you have contributed to a loss through fraud, or breaching the Secret Code security requirements in clause 3, clause 5, clause 6 and / or clause 10:

You are liable in full for the actual losses that occur before the loss, theft or misuse of a Device or breach of Secret Code security is reported to us, but

You are not liable for the portion of losses:

• incurred on any one day that exceeds any applicable daily transaction limit,
• incurred in any period that exceeds any applicable periodic transaction limit,
• that exceeds the balance on the Account, including any pre-arranged credit, or
• incurred on any Account that we and you had not agreed could be accessed using the Device or Identifier and/or Secret Code used to perform the transaction.

Where:

• more than one Secret Code is required to perform a transaction, and
• we prove that you breached the Secret Code security requirements in clause 3, clause 5, clause 6 and / or clause 10 for one or more of the required Secret Codes, but not all of the required Secret Codes,

You are liable as outlined above only if we prove on the balance of probability that the breach of the Secret Code security requirements under clause 3, clause 5, clause 6 and / or clause 10 was more than 50% responsible for the losses, when assessed together with all the contributing causes.

You are liable for losses arising from unauthorised transactions that occur because you contributed to losses by leaving a Card in an ATM, as long as the ATM incorporates reasonable safety standards that mitigate the risk of a card being left in the ATM.

Where we can prove, on the balance of probability, that you contributed to losses resulting from an unauthorised transaction by unreasonably delaying reporting the misuse, loss or theft of a Device, or that the security of all Secret Codes has been breached, you:

• are liable for the actual losses that occur between:
  • when you became aware of the security compromise, or should reasonably have become aware in the case of a lost or stolen Device, and
  • when the security compromise was reported to us, but
• are not liable for any portion of the losses:
  • incurred on any one day that exceeds any applicable daily transaction limit,
  • incurred in any period that exceeds any applicable periodic transaction limit,
  • that exceeds the balance on the Account, including any pre-arranged credit, or
  • incurred on any Account that we and you had not agreed could be accessed using the Device and/or Secret Code used to perform the transaction.

Where a Secret Code was required to perform the unauthorised transactions, and the other circumstances outlined in this clause above do not apply, you are liable for the least of:

• $150.00, or a lower figure determined by us;
• the balance of the Account or Accounts which we and you have agreed may be accessed using the Device and / or Secret Code, including any prearranged credit; or
• the actual loss at the time the misuse, loss or theft of a Device or breach of the Secret Code security is reported to us, excluding that portion of the losses incurred on any one day which exceeds any relevant daily transaction limit or any other periodic transaction limit.

We, or our external dispute resolution body, have a discretion to reduce your liability in the circumstances set out in the ePayments Code.

If you report an unauthorised transaction on a debit card Account:

• we must not hold you liable for losses under this clause for an amount greater than the liability of you if we exercised any rights we had under the rules of the card scheme at the time the report was made, against other parties to the scheme (for example, charge-back rights), and
• this clause does not require us to exercise any rights we may have under the rules of the card scheme. However, we cannot hold you liable under this clause for a greater amount than would apply if we had exercised those rights.

10. Our requirements of you to protect your Account against unauthorised transactions

You must:

• never voluntarily disclose or give your Secret Codes or any other access method or Secret Code to anyone, including a family member or friend; or
• where the access method uses a Security Token or other device, not indicate one or more of the Secret Codes on the outside of the device, or keep a record of one or more of the Secret Codes (without making any reasonable attempt to protect the security of the Secret Code records) on the one article, or on several articles, carried with the device or liable to loss or theft simultaneously with the device; or
• where the access method comprises a Secret Code or Secret Codes without a device, not keep a record of all the Secret Codes (without making any reasonable attempt to protect the security of the Secret Code records) on the one article, or on several articles so that they are liable to loss or theft simultaneously; or
• where we permit you to select or change a Secret Code (and, immediately before your selection or change of the Secret Code, we specifically instruct you not to select a numeric Secret Code which represents your birth date or an alphabetical Secret Code which is a recognisable part of your name and we warn you of the consequences of such a selection) not select such a numeric or alphabetical Secret Code; or
• not act with extreme carelessness in failing to protect the security of all the Secret Codes.

For the purposes of this clause, a reasonable attempt to protect the security of a Secret Code record includes either or both of:

• making any reasonable attempt to disguise the Secret Codes within the record;
• taking reasonable steps to prevent unauthorised access to the Secret Code record.

Notwithstanding the Conditions for the purposes of determining your liability for any losses resulting from unauthorised transactions using an electronic device and an access method we will comply with the requirements of the ePayments Code (except where the ePayments Code does not apply).

11. Using Internet Banking

We are not responsible for the operation of any Secure Computer Equipment or electronic system (other than our systems) you use to transact using Internet Banking or the operation of any telephone system.

We can cancel or suspend your access to Internet Banking or any function or service incorporated in Internet Banking if:

• you breach the Internet Banking Terms and Conditions and we believe immediate cancellation or suspension is necessary for us to manage an immediate and material risk to our Legitimate Interests;
• we have reasonable grounds to believe that your Internet Banking is being used is in connection with fraud, misuse or for any other inappropriate use;
• we have reasonable grounds to believe that there is an immediate and material risk of loss to you or us; 
• for security reasons;
• we need to by law or to meet our prudential requirements;
• you have given us materially false or misleading information; or
• you act in a manner that in our reasonable opinion threatens the security of our staff or property.

However, unless there are exceptional circumstances (e.g. fraud or criminal activity), we will give you at least 14 days advance notice before we or suspend your access to Internet Banking or any function or service incorporated in Internet Banking.

We can also delay or refuse to process your instructions.

Internet Banking instructions requiring transfer of funds (including BPAY bill payments) may not be carried out if you do not have enough cleared funds in the relevant Account. We will notify you on screen if this occurs while attempting to perform an immediate transaction. When a requested future dated or recurring payment is unsuccessful, we will notify you in Internet Banking or the Suncorp Bank App. The notification is deemed to have been received by you when it is received via one of these online platforms.

We will notify you in Internet Banking if you have a transfer which requires two authorisations.

If you give us instructions for more than one transfer and/or bill payment and/or business payment on a particular date, we will determine the order in which the payments are made on that day.

In order to protect your Account from online crime, we may monitor, collect (from you or our Third Party contractors) and use information about the way you access, interact with, and behave on, our Internet Banking website during Internet Banking Sessions.  If any of this information is personal information it will be treated in accordance with our Privacy Statement which can be found on our website at: https://www.suncorpbank.com.au/about-us/legal/privacy.html.

12. Electronic Communication

In accepting these Conditions you agree that we can provide you with any information required to be given to you by law or any code including the Banking Code of Practice and ePayments Codes; as well as non-marketing communications, by electronic communication, unless any law or code requires otherwise.

In accepting these Conditions you agree that we and any of our Related Entities can contact you about news, special offers, products and services that may be of interest to you. We will engage in marketing unless you tell us otherwise. You can change your marketing preferences at any time.

13. Account Information

Information provided by Internet Banking about your Account relates to transactions that we have processed and verified. Your Internet Banking transactions will be processed in the normal course of business or at the times we tell you.

We are not responsible for delays, errors, inaccuracies, or omissions due to failure in any Secure Computer Equipment, the Telephone Banking network, any telephone system, any other electronic system or ancillary equipment or any other circumstances beyond our control.

14. Security Token

a. Where your daily limit is over the default daily limit, you must be issued with a Security Token, unless we agree otherwise.

b. Where your daily limit is the default daily limit or less, you can choose to have a Security Token issued to you.

c. To conduct an Online Telegraphic Transfer you must be issued with a Security Token even if your daily limit is the default daily limit or less.

d. Where you wish to process transactions of $3,000 or greater you must enter a Security Token Code.

e. If you have a Solicitor’s Trust Account, to be able to send money via Internet Banking to another Suncorp Bank Account or a bank account at another financial institution, you must access a Security Token and a Security Token Code must be entered to conduct transactions.

f. If you have been issued with a Security Token, you must use the Security Token Code displayed on the Security Token at the relevant time, to log in to Internet Banking and to perform Pay Someone Transfers, Online Telegraphic Transfer and Business Payments.

g. If you choose to deactivate your Security Token your daily limit will reset to default daily limit. To increase your daily limit above the default you will need to activate a Security Token again.

h. If you have Suncorp Bank Secured App, you can choose to deactivate your Security Token via Suncorp Bank Secured App or by contacting us on 13 11 75.

i. If you have a Physical Security Token, you can deactivate it by contacting us on 13 11 75.

j. A fee is payable for the issue of each Physical Security Token.

k. You must keep your Physical Security Token safe and secure and advise us promptly if it is lost, stolen or misused. If it is lost, stolen or misused, we can cancel it and issue you with a temporary Security Token Code which is to be used for a limited period until a new Security Token is issued.

l. The Physical Security Token will expire approximately 5 years from the time it is issued to you. The expiry date of the Physical Security Token can be found on the back of the device. We will notify you 90 days before the Physical Security Token is due to expire.

m. Where your Physical Security Token expires or is deactivated, and your daily limit is above the default daily limit, we may reduce your daily limit to the default daily limit until a new Security Token is activated and you request the limit to be increased.

15. BPAY

Suncorp Bank is a member of the BPAY Scheme. This means that you can ask us to make payments on your behalf to registered BPAY Billers from any Account which allows for BPAY payments.

Additional terms and conditions that apply to BPAY are found in the Terms and Conditions for Suncorp Accounts and for Continuing Credit Accounts. You can obtain a copy of the Terms and Conditions for Suncorp Accounts and Continuing Credit Accounts from any Suncorp Bank Branch or by phoning 13 11 75.

16. Particular conditions applying to bill payments via Internet Banking

If your instruction to make a bill payment using BPAY is made before 6:00p.m. Australian Eastern Standard Time on a Business Day, it will in most cases be treated as having been made on that same day or on the date in the future that you specify. Where your instructions are received after 6:00p.m. Australian Eastern Standard Time, in most cases the payment will be treated as having been made on the next Business Day or on the date in the future that you specify.

Where a future date or recurring BPAY is set up, the BPAY payment will be debited from your Account on the evening of the date you have requested the payment to be made

A payment may take longer to be credited to a Biller under the BPAY Scheme if we receive your instruction on a day other than a Business Day or if another participant in the BPAY Scheme does not process a payment as soon as they receive it.

You need to allow sufficient time for processing of bill payments.

17. Pay Someone Transfers and Online Telegraphic Transfer

Internet banking users are able to send money to other Suncorp Bank Accounts owned by third parties or accounts at other financial institutions using the Pay Someone feature.

We will only agree to process a transfer of funds from an Account to an external financial institution or to an overseas bank account held with an external financial institution via Global Payments, if you accept and comply with the particular conditions for External Transfers and Online Telegraphic Transfers.

External Transfers and payments to a PayID which are made via the Pay Someone feature and are eligible to be submitted as an Osko payment will generally be received by the payee in near real-time (refer to the Terms and Conditions for Suncorp Bank Accounts and for Continuing Credit Accounts for Osko eligibility requirements). 

All other External Transfers will be sent to the destination the same day if submitted before 5.30pm (AEST) on a business day (Monday to Friday exclusive of recognised public holidays). External Transfers (other than Osko payments) submitted after this time may not be sent until the following business day. Please allow 1-2 business days for an External Transfer to be received by the recipient if it cannot be sent as an Osko payment.

Where a future dated or recurring Pay Someone transfer is setup, the Pay Someone transfer will be debited from your Account on the evening of the date you have requested the payment to be made.

The Conditions for Pay Someone Transfers may require you to use a Security Token to perform a Pay Someone Transfer through the Internet Banking service. If you have been issued with a Security Token, you must use the Security Token Code where we request it. The Conditions for Online Telegraphic Transfers require you to use a Security Token to perform an Online Telegraphic Transfer. Daily limits apply.

All transfers to other Suncorp Bank Accounts, other than future dated or recurring payments, will be processed immediately.

You must only use the PayID search function in the Pay Someone payment process for the purpose of making a genuine bona fide payment to another person.  You must not use the PayID search function or data collected from the PayID search function for any improper or fraudulent purpose.

We may restrict or disable your use of the PayID search function from time to time in any manner we believe is appropriate or necessary to prevent the PayID search function from being used for a purpose, or in a way, which we believe could be fraudulent or improper.

When you make a Pay Someone payment to a PayID connected to a joint Account, the other Account holders may be able to see the messages and notifications associated with the payment.

18. Business Payments

To use the Business Payment Credit function within Internet Banking you must:

• Have an eligible business Account
• Be registered for Internet Banking
• Have been issued with a Security Token to enable transfer of funds to accounts with other institutions
• Have an APCA ID that has been issued by Suncorp Bank (Australian Payments Clearing Association Identification which entitles you to be a registered user of the Bulk Electronic Clearing System).

To use the Business Payment Debit function within Internet Banking you must:

• Have an eligible business Account
• Be registered for Internet Banking
• Be approved by Suncorp Bank as a Suncorp Bank Direct Debit User
• Have an APCA ID that has been issued by Suncorp Bank
• Comply with any additional requirements provided to you when approved as a Suncorp Bank Direct Debit User.

A separate APCA ID is required for Business Payment Credit and Business Payment Debit. You can apply to us for an APCA ID.

If your instructions to make a business payment credit using the Internet Banking service is made before 5:30 p.m. Australian Eastern Standard Time on a Business Day, it will in most cases be treated as having been made on that same day or on the date in the future that you specify. Where your instructions are received after 5:30 p.m. Australian Eastern Standard Time, in most cases the payment will be treated as having been made on the next Business Day or on the date in the future that you specify.

A payment may take longer to be credited to an account at another financial institution if we receive your instructions on a day other than a Business Day or if the other financial institution does not process a payment as soon as they receive it.

Business payment debits rely on processing by other financial institutions and we cannot advise when these payments will be processed to your customers account.

You need to allow sufficient time for processing of business payments.

Daily, account and personal limits may apply to business payment credit files. Period, file and Transaction limits will apply to business payment debit files. Details of these limits and full terms and Conditions relating to business payments can be obtained from any Suncorp Bank branch, by contacting us on 13 11 75 or by referring to your Suncorp Bank Business Account Product Information Document.

19. WARNING - Transfers, Pay Someone Transfers, PayID, Online Telegraphic Transfers and Business Payments

We are not responsible for any loss suffered if the account numbers, B.S.B., Bank Codes or amounts of Transactions you authorise are incorrect or invalid or if you authorise Transactions more than once in error (except to the extent that the loss is caused by the negligence, fraud or wilful misconduct of us or our officer, employee, contractor or agent).

It is your responsibility to ensure that the details provided by you are correct or your payments may be unsuccessful or may be paid to an unintended account, resulting in the loss of your funds. If you ask us to send a payment to a BSB and account number we will direct the payment to the intended account using only the BSB and account number you provide. The account name you provide will not be used to check that the payment has been made to the correct account. Funds will be transferred to the BSB and account number you provide regardless of whether the account name you provide matches the account number. Mistaken Internet Payments are treated by us in accordance with clause 28 of these Terms and the ePayments Code.

If you ask us to send a payment to a PayID we will provide you with the corresponding PayID Name and ask you to confirm it. It is your responsibility to ensure you provide us with the correct PayID and ensure the PayID Name matches the person you intend to pay. If you are unsure whether the PayID Name is who you intend to pay, you should contact the intended recipient of your payment to confirm that the PayID and PayID Name are correct before proceeding with the payment.  

You must check the details of each Pay Someone Transfer, Online Telegraphic Transfer and each Transaction in a business payment and ensure that the accounts, B.S.B., PayID Bank Codes and amounts are correct. All details of Online Telegraphic Transfers must be checked before submitting.

Once you authorise Transactions to be processed generally we will not be able to stop, withdraw, suspend or delete the transfer, change any details or recover the funds except where the payment is due to occur at a future date where you may be able to edit or amend the payment details prior to the payment occurring.

You must not enter any text or other characters in the payment description that are inappropriate, insulting, defamatory or damaging to the reputation of any person. We will not be liable to you or any other person for such payment descriptions (except to the extent that the loss is caused by the negligence, fraud or wilful misconduct of us or our officer, employee, contractor or agent).

If a transfer cannot be processed by the receiving financial institution, the funds will be returned to your Account. This may take approximately 3 days but can take longer depending on the other financial institution.

20. Signatories

Accounts with signing instructions of "any two signatories to sign" to authorise a Transaction can use the Internet Banking service, except for an online Telegraphic Transfer.

Transactions made from Accounts with signing instructions of “any two signatories to sign” will not be sent as an Osko payment.

Once a Transaction has been set up by a signatory it will await approval within Internet Banking from the second Account signatory. The Transaction will not be successfully processed until it has been authorised by two signatories. If a Transaction is still awaiting approval on the next payment date you requested, it will not be processed and will be deleted from Internet Banking.

Where there are multiple signatories on an Account, the authorisation of any (2) two will be accepted and the Transaction processed.

Appropriate signatories will be advised on the Internet Banking homepage of any Transactions awaiting approval within Internet Banking.

For Business Payments, any Transactions awaiting approval from a second signatory 14 days after the Transaction was set up, will not be processed and will be deleted.

Persons with a “Signatory” relationship are automatically opted into receive eStatements on nominated Accounts in Internet Banking and do not have the option to opt-out from eStatements in Internet Banking.

21. View Only Access

If you ask us and we agree, we can provide Internet Banking access to various Accounts limited to "view only" access.

View Only access (for Account Information Only relationships) means you can authorise a person to view transactional information, customer information, eStatements (if auto opted in – see below) and make statement requests only. This does not allow the person to perform any type of debit Transaction, open or close the Account, or make any changes to information on the Account other than their own information.

When we agree to provide View Only access you also authorise that person to view transactional information, customer information and eStatements.

Persons with View Only access are automatically opted in to receive eStatements on nominated Accounts in Internet Banking and do not have the option to opt-out from eStatements in Internet Banking.

22. Problems with Internet Banking

If you think there has been a mistake or a Transaction you did not authorise, you must phone us immediately on 13 11 75 and follow up with details in writing or by Secure Message. Your concerns or any problems will be investigated in the manner outlined in these Terms and Conditions.

To assist in obtaining a prompt resolution to the problem, please give us clear instructions as to the Account number, PayID and Biller codes of any person or Biller involved in the problem and provide any supporting documentation which will assist in our investigation.

23. Fees

Fees apply for External Transfers, Online Telegraphic Transfer, business payments and Security Tokens.

Government fees and charges, and standard Account and Transaction fees still apply. Full details of fees and charges are available from any Suncorp Bank Branch, or by phoning 13 11 75.

We can introduce new fees and charges and change fees and charges that apply to Internet Banking, at any time, but will only do so in order to protect our Legitimate Interests, and only to the extent reasonably required to do this. If we increase the fees and charges, we will notify you at least 20 days before the effective day of the changes by direct written notice to you (which may be provided with or on your statement) or publishing notices of the changes on our website suncorpbank.com.au. 

24. Changes

We can change these Conditions and particular conditions for one or more of the following reasons:

• to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;

• to reflect any decision of a court, ombudsman or regulator;

• to reflect a change in our systems or procedures, including for security reasons;

• to respond to changes in the cost of providing the Accounts or Internet Banking; or

• to make these Conditions clearer or to add features,

but will only do so in order to protect our Legitimate Interests, and only to the extent reasonably required to do this. Where we make changes, we will notify you by written or electronic notice (for example, through the Internet Banking) no later than the day it takes effect, or such longer period as may be required by law. Where the change is adverse to you, we will notify you at least 30 days before the effective date of the change (unless we believe doing so is, in our reasonable opinion, necessary for us to manage an immediate and material risk to our Legitimate Interests or the change relates to a government charge).

25. Restrictions

At any time we may restrict the types of Accounts that can use Internet Banking or we may change or restrict your use of or access to Internet Banking by any Secure Computer Equipment. In addition, we may restrict the availability of some Internet Banking functions (eg BPAY, Pay Someone Transfers (including Osko payments), Online Telegraphic Transfers, Business Payments) to particular types of Accounts or Secure Computer Equipment.

26. Online Cashback

You can only access Online Cashback where:

• you have a loan with Suncorp Bank;
• your loan contract provides you can access Cashback; and
• all borrowers and guarantors under your loan contract have satisfied any additional requirements of Suncorp Bank from time to time, that must be met before Suncorp Bank will allow you access to Online Cashback.

You can contact us on 13 11 75 to find out if you can access Cashback and to find out any additional requirements that must be satisfied before you will be allowed access to Online Cashback.

Suncorp Bank may refuse to allow you access to Online Cashback, even where Suncorp Bank's requirements have been satisfied.

Online Cashback will generally be available during business hours in Brisbane and may be available during other hours subject to Suncorp Bank's processing requirements. When you select Online Cashback, a message will advise you if it is not available.

At any time Suncorp Bank (on reasonable notice unless it is necessary to manage an immediate or material risk) can withdraw your access to Online Cashback or limit the functions that can be performed using Online Cashback, but will only do so in order to protect its Legitimate Interests, and only to the extent reasonably required to do this. Access to Online Cashback is subject to:

• the terms and conditions of your loan contract;
• these Conditions; and
• any particular terms and conditions that you have agreed to before Suncorp Bank will provide you with access to Online Cashback.

Only immediate Transactions can be performed using Online Cashback. Future dated or recurring Transactions are not available.

Funds can only be transferred to another Suncorp Bank Account you hold and Suncorp Bank may at any time limit the accounts to which funds can be transferred. Pay Someone transfers (including External Transfers) cannot be performed using Online Cashback.

The amount of funds that can be accessed through Online Cashback is called Available Cashback and is displayed on Account Details screen. You cannot access more than this amount through Online Cashback. 

Fees may apply for using Online Cashback for a Small Business Variable Rate and/or Business Essentials Loan product. Full details can be obtained from your loan contract or by contacting us on 13 11 75.

You can continue to access Cashback in any other way permitted by Suncorp Bank, in accordance with your loan contract. For example, you can go to a branch to access Cashback.

You or any other borrower/guarantor under your loan contract can request the cancellation of Online Cashback at any time in writing, by contacting us on 13 11 75, by going to a branch or by sending us a Secure Message. If you then wish to access Online Cashback again, you and all other borrowers/guarantors under your loan contract will need to once more satisfy any additional requirements of Suncorp Bank from time to time, that must be met before Suncorp Bank will allow you access to Online Cashback.

27. Products provided by other companies

Suncorp Bank and its Related Entities are not liable for, nor responsible for, and do not guarantee or otherwise support products or services provided by each other, or by Third Parties whose products and services may be available through Internet Banking (except to the extent that any loss is caused by the negligence, fraud or wilful misconduct of Suncorp Bank or its officer, employee, contractor or agent).

Suncorp Bank and its Subsidiaries do not provide, nor are they responsible or liable for information or the accuracy of the Account, any other information (whether general or specific) or any Transactions in relation to any products or services issued by a Related Entity or Third Party whether that information is accessible via the Internet Banking application or the relevant product issuer pages at the website www.suncorpbank.com.au.

Contacting other companies

If you have any dispute, complaint or query in relation to a product or service provided by a Related Entity or a Third Party, the website or any information about a product or service provided by a Related Entity or a Third Party you need to contact the responsible product issuer, distributor, or service provider.

Suncorp Bank is not responsible for any dispute, complaint or query and if one is received by Suncorp Bank it will pass it onto the relevant product issuer or distributor or service provider, to the extent authorised by law.

28. Mistaken Internet Payments

When the ePayments Code applies to a transaction made through an internet banking facility we will follow the rules of the ePayments Code in relation to Mistaken Internet Payments. Other ADIs who have subscribed to the ePayments Code are required to follow the same processes set out in this clause 28 in relation to Mistaken Internet Payments. These processes do not apply to transactions where the ‘Pay Someone’, ‘Transfer Money to External Accounts’ or ‘Transfer to other Suncorp Bank Accounts' internet banking service used is a service designed primarily for use by a business and established primarily for business purposes.

This clause sets out how we will deal with Mistaken Internet Payments made by you and Mistaken Internet Payments received into your Account. You agree to us dealing with Mistaken Internet Payments in this way.

Reporting a Mistaken Internet Payment  

You must report a Mistaken Internet Payment as soon as possible. You can report a Mistaken Internet Payment by:

• contacting us on 13 11 75 within Australia;
• contacting us on +61 7 3362 2222, if overseas; or
• visiting our Sucorp Bank branches.

You must give us full details of the transaction you are querying. We may require further information from you to investigate.

When you report a Mistaken Internet Payment we will give you a notification number or some other form of acknowledgment which you should retain as evidence of the date and time of your report.

When You Have Made a Mistaken Internet Payment  

When you report a Mistaken Internet Payment to us, we as the Sending ADI, will investigate whether a Mistaken Internet Payment has occurred. We will require certain information to enable us to undertake that investigation, such as the BSB and Account number or PayID into which the Mistaken Internet Payment was made, the name of the party or the intended recipient and any further information you may have evidencing the mistake. We will contact you if we require further information.

If we are not satisfied that a Mistaken Internet Payment has occurred, we will not take any further action.

If we are satisfied that a Mistaken Internet Payment has occurred, we will send the Receiving ADI a request for the return of the funds. The Receiving ADI is required to acknowledge this request within 5 Business Days and advise us whether there are sufficient funds in the Account of the Unintended Recipient to cover the Mistaken Internet Payment.

The Receiving ADI will also investigate. If the Receiving ADI is not satisfied that a Mistaken Internet Payment has occurred, they will not return the funds.

We must inform you of the outcome of the reported Mistaken Internet Payment in writing and within 30 Business Days of the day on which you reported the Mistaken Internet Payment to us.

If the Receiving ADI returns the funds to us we will return the funds to you as soon as practicable. Usually, we will return funds to you by crediting the Account from which the Mistaken Internet Payment was made. If you no longer have an Account with us, or if it is not practicable to credit the returned funds to that Account, we will return funds to you by some other means.

Where we and the Receiving ADI are satisfied that a Mistaken Internet Payment has occurred, but there are not sufficient credit funds available in the Account of the Unintended Recipient to the full value of the Mistaken Internet Payment, the Receiving ADI must use reasonable endeavours to retrieve the funds from the Unintended Recipient for return to you (for example, by facilitating repayment of the funds by the Unintended Recipient by instalments).

When a Mistaken Internet Payment Is Made Into Your Account  

When a Sending ADI sends a request to us, as Receiving ADI, of a Mistaken Internet Payment having been made into your Account, we will within 5 Business Days acknowledge that request and advise the Sending ADI whether there are sufficient funds in your Account to cover the Mistaken Internet Payment.

We will investigate whether a Mistaken Internet Payment has occurred.

If we are not satisfied that a Mistaken Internet Payment has occurred, we are not required to take any further action but we may seek your consent to return the funds.

If we are satisfied that a Mistaken Internet Payment has occurred, we will take action as follows:

(a) Process where funds are available and report is made within 10 Business Days  

If a Mistaken Internet Payment is reported within 10 Business Days after the payment is made, we are satisfied that a Mistaken Internet Payment has occurred, and there are sufficient funds in your Account, we will withdraw the funds from your Account and arrange for the return of the funds to the Sending ADI within 10 Business Days.

(b) Process where funds are available and report is made within 10 Business Days and 7 months  

If a Mistaken Internet Payment is reported between 10 Business Days and 7 months after the payment is made, we are satisfied that a Mistaken Internet Payment has occurred, and there are sufficient funds in your Account, we will complete our investigation into the reported Mistaken Internet Payment within 10 Business Days of receiving the request.  If we are satisfied that a Mistaken Internet Payment has occurred, we will place a hold on your Account to prevent you from withdrawing the amount of the funds for a further 10 Business Days and notify you that we will withdraw the funds if you do not establish that you are entitled to the funds within that 10 Business Day period. If you fail to establish your entitlement within 10 Business Days, we will return the funds to the Sending ADI within 2 Business Days of the end of that period.

(c) Process where funds are available and report is made after 7 months  

If a Mistaken Internet Payment is reported more than 7 months after the payment is made, there are sufficient funds in your Account and we are satisfied that a Mistaken Internet Payment has occurred, we will ask you if you agree to the return of the funds to the sender. If you consent to the return of the funds we must return the funds to the sender.

(d) Process where funds are not available in Your Account  

Where we and the Sending ADI are satisfied that a Mistaken Internet Payment has occurred, but there are not sufficient credit funds available in your Account to the full value of the Mistaken Internet Payment, then we may decide to:

• recover the full payment;
• recover a partial payment; or
• not to recover any funds.

If we decide to recover the full payment, then we must use reasonable endeavours to retrieve the funds from you for return to the sender (for example, by facilitating repayment of the funds by you by instalments).

In each case, if we are not satisfied that a Mistaken Internet Payment has occurred, we may (but are not obliged to) seek your consent to return the funds.

We can prevent you from withdrawing funds the subject of a Mistaken Internet Payment where we are required to do so to meet our obligations under the ePayments Code.

Centrelink Direct Credit Payments  

Where the Unintended Recipient of a Mistaken Internet Payment is receiving income support payments from Centrelink, we will recover the funds from the Unintended Recipient in accordance with the Code of Operation for Centrelink Direct Credit Payments.

Complaints about Mistaken Internet Payments

If you report a Mistaken Internet Payment to us as Sending ADI and you are unhappy with our handling of the matter, you can make a complaint to us. Please refer to clause 1.7 of the Terms and Conditions for Suncorp Bank Accounts and for Continuing Credit Accounts in relation to making complaints. If a complaint is made to another ADI where we are the Receiving ADI, we must cooperate with the other ADI's dispute resolution scheme.

29. PayID

You may create a PayID in connection with a PayID eligible Suncorp Bank Business Account by using Internet Banking. The applicable eligibility criteria and terms and conditions are set out in the Suncorp Bank Business Accounts Product Information Document or Schedule of Fees and Charges for Other Suncorp Bank Business Accounts, as applicable to your account. You can obtain a copy of these documents online at www.suncorpbank.com.au/help-support/documents-forms, from any Suncorp Bank Branch or by phoning 13 11 75.

30. Definitions

In these Conditions a reference to the singular include the plural and vice versa.

A reference to "we", "us" or "our" means Suncorp Bank (unless the context otherwise requires).

A reference to "you" or "your" means each person separately and jointly who is an Account owner or authorised to transact on an Account.

In these Conditions capitalised terms have the following meanings:

An "Account" includes any of the following accounts with Suncorp Bank.

• a savings account
• term deposit
• a Card account
• an account which has a facility limit
• a loan account
• another account which we allow you to withdraw and deposit money
• a lease
• an equipment finance facility
• a guarantee facility
• a buy now pay later account

"ADI" has the same meaning as authorised deposit-taking institution in the Banking Act 1959 (Cth) or any successor term adopted by the Australian Prudential Regulation Authority.

“ANZ” means Australia and New Zealand Banking Group Limited.

“ANZ Group” means ANZ and its related bodies corporate, including Suncorp Bank and its Subsidiaries unless the context requires (each an “ANZ Group member”).

“App Passcode” means a 4 digit passcode you nominate to access your Account using Mobile Banking.

"Australian Eastern Standard Time" or “AEST” means the time in Brisbane, Australia.

“Basic Single Credit Transfer” means a credit payment message, other than an Osko® payment, another type of overlay service payment or an international funds transfer instructions payment, sent by a New Payments Platform participant via the NPP basic infrastructure for the benefit of a payee with another NPP participant.  A Basic Single Credit Transfer cannot be made via Internet Banking.

"Business Day" means a day which is Monday to Friday excluding national public holidays.

"Bank Code" is similar to a BSB number and is used to identify financial institutions (Not all banks have a Bank Code)

"Card" means the Card we give you to use with or without your PIN at an electronic terminal and includes any debit or credit Card we give you.

"Cashback" is the process where Suncorp Bank re-lends to the borrower funds paid in advance, as provided in the relevant loan contract.

"Conditions" means these terms and conditions which apply to Internet Banking.

"Customer ID" means the secret number we give you that you are required to enter electronically in order to use Internet Banking.

"Device" means a device given by us to you that is used to perform an ePayments Transaction. Examples include:

• ATM or transaction card,
• debit card or credit card,
• prepaid card (including gift card),
• Security Token.

"ePayments Code" means the ePayments Code issued by Australian Securities & Investments Commission.

"ePayments Transaction" has the meaning provided for in clause 4.

"external financial institution" means a participating member of the Bulk Electronic Clearing System (B.E.C.S.) other than Suncorp Bank.

"External Transfer” means a transfer of funds using the ‘Pay Someone’ feature in Internet Banking that you initiate from a Suncorp Bank Account to an account at another financial institution.

"Global Payments" means the system that processes Online Telegraphic Transfers (International Transfers) via Internet Banking.

"Identifier" means information that you know and must provide to perform an ePayments Transaction but which you are not required to keep secret (for example, an account number or PayID).

"Internet Banking" means the service provided for our customers to manage their banking online.

"Internet Banking Session" means each period that you have logged on to Internet Banking to perform transactions. An Internet Banking Session finishes when you successfully trigger the "log-off button" on the Internet Banking screen or when the Internet Banking session closes.

"Internet Banking Password" or "IBP" means your Internet Banking Password chosen by you.

“Merchant” means a business that accepts payment for goods and services through electronic banking or use of a card, or with which you have established, or would like to establish, a PayTo Agreement.

"Legitimate Interests" means:

• our legitimate funding (including securitisation), business risk management, prudential or security requirements; and/or
• any other requirements that are reasonably necessary to protect us against a material risk of our own financial detriment.

“Mistaken Internet Payment” means a payment using a ‘pay anyone' internet banking facility (for example, an external funds transfer) processed by an ADI where funds are paid into the account of an Unintended Recipient because the transferor entered or selected a BSB number and/or Identifier that does not belong to the named and/or intended recipient as a result of:

• the transferor's error, or
• the transferor being advised of the wrong BSB number and/or Identifier.

It does not include payments made using BPAY or the PayTo Service.

The definition of Mistaken Internet Payment is intended to relate to typographical errors only. It is not intended to cover situations in which the user transfers funds to the recipient as a result of a scam.

“Mobile Banking” means the internet service designed for our customers to access certain Internet Banking services through the Suncorp Bank App.

“Mobile Device Passcode” means anything required to unlock a mobile device including a password, passcode, pattern or biometric identifier (where applicable).

“NPP” or “New Payments Platform” means the New Payments Platform operated by NPP Australia Limited.

"NPP Payments" means electronic payments cleared and settled by participating financial institutions via the NPP, including Osko payments and Basic Single Credit Transfers and those types of payments where made through the PayTo Service.

"Online Cashback" means Cashback available through Internet Banking.

"Online Telegraphic Transfer" means a Telegraphic Transfer sent via Global Payments.

“Osko” means the Osko payment service provided by BPAY Pty Ltd using the New Payments Platform, which facilitates clearing and settlement of payments between NPP participants on a 24/7 near real-time basis.

“PayID” means a unique identifier of an account holder which is linked to an account with a financial institution for the purpose of receiving payments made through the NPP or Osko and making payments through the PayTo Service. For the purpose of making a payment to a PayID the supported PayID identifiers include an account holder’s phone number, email address, Organisation ID, Australian Company Number and Australian Business Number. For the purpose of creating a PayID the supported PayID identifiers may be different and are set out in the PayID Terms and Conditions. A PayID can not be created through Internet Banking.

"Payment Initiator" means an approved payment service provider who, whether acting on behalf of you or a Merchant, is authorised by you to initiate payments from your Account. 

"PayTo Agreement" means an agreement established by you and an approved Merchant or Payment Initiator, by which you authorise us to make payments from your Account. 

“PayTo or PayTo Service" means the service which enables us to process NPP Payments from your Account in accordance with and on the terms set out in a PayTo Agreement you have established with a Merchant or Payment Initiator that subscribes to the service. The PayTo Service is only available in the Suncorp Bank App, and not in Internet Banking.

"Physical Security Token" means a small electronic device which generates a Security Token Code.

"PIN" means your Personal Identification Number you use to transact at Automatic Teller Machines or using EFTPOS.

"Receiving ADI" means an ADI which is a subscriber to the ePayments Code and whose customer has received an internet payment which you have reported as being a Mistaken Internet Payment.

“Related Entity” means each ANZ Group member (other than Suncorp Bank).

"Secret Codes" is your PIN, Telephone Access Code, Internet Banking Password, Customer ID, App Passcode, Mobile Device Passcode, Security Token Code, Security Token Passcode, or other particular Access Method we give you as your Secret Code.

"Secure Message" means an electronic mail message sent to us by you from within your secure Internet Banking Session, or by us to you to retrieve from within your secure Internet Banking Session.

"Security Token" means a small electronic device or a mobile application issued by Suncorp Bank or a Related Entity which generates a Security Token Code, and includes any temporary security token.

“Security Token Code” means the random code generated by a Security Token, which changes approximately every 60 seconds and includes any temporary Security Token Code that is issued by us under clause 14(k) of these conditions.

“Security Token Passcode” means a 6 digit passcode you nominate to access the Security Token mobile application.

"Secure Computer Equipment" includes set top boxes, computers, games consoles, televisions, mobile phones or any other equipment that may be used to access Internet Banking and you believe is managed and used in a secure way. This may include but is not limited to:

• installing reputable firewalls, anti-spam or anti-virus software;
• regularly installing vendor supplied security patches;
• limiting the installation of software from unknown sources; and
• requiring users of the computing equipment to follow secure computing equipment use guides. See our hints and tips for securing your computer for help.

"Sending ADI" means an ADI which is a subscriber to the ePayments Code and whose customer has made an internet payment which you have reported as being a Mistaken Internet Payment.

“Subsidiaries” are:

• Suncorp Equipment Finance (Norfina Advances Corporation Pty Ltd (ABN 89 100 845 127))
• SME Management Pty Limited (ABN 21 084 490 166).

"Suitable Software" refers to versions of operating system, firewall, anti-spam, anti-virus and web browser software that is presently supported by the software vendor.

“Suncorp Bank App” means the mobile application designed to provide customers with access to products and services offered by Suncorp Bank and its Related Entities, and other Third Party providers, available for download under the name “Suncorp Bank App”.

"Suncorp Bank" means Norfina Limited ABN 66 010 831 722 AFSL No 229882 and its successors and assigns.

"TAC" means your telephone access code.

"Telegraphic Transfer" means funds transfers sent electronically to an overseas bank account held with an external financial institution.

"Telephone Banking" means the telephone banking service provided by Suncorp Bank.

"temporary TAC" means your temporary telephone access code which enables you to register for Internet Banking (unless you are registering online).

“Third Party” means an entity which is not an ANZ Group member.

"Transaction" means any transaction we allow to be performed or carried out using Internet Banking.

"Unintended Recipient" means the recipient of funds as a result of a Mistaken Internet Payment.

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