Spending and receiving money

You can send payments without limit from the app. However should we need any further information to approve the payment, we'll get in touch with you in-app. In some circumstances, you may be asked to provide some evidence regarding your payment. We review the information you provide between 9 am and 5 pm on business days.

We’re constantly reviewing how we keep you and your money safe. As part of these reviews,  we no longer support the buying and selling of cryptocurrencies by debit card or bank with cryptocurrency companies and exchanges. We’ve made this decision to help protect our customers.

We will not charge you for any declined payments.

You can register a PayID from the payment screen in-app by following the steps below:

1. Select the PayID button

2. Select 'Register for PayID'

3. Select which type of PayID you would like to set-up
4. Confirm the details shown are correct
5. Select the display name for you PayID. This is how others will see you when paying your PayID.
6. Review the details you are submitting, select next, and your PayID will be setup!

From the PayID screen, select three dots next to the PayID you wish to transfer, then select 'Transfer PayID'. This will allow your PayID to be registered by another account for the next 14 days. If you do not transfer your PayID within the 14 days, you will need to re-select 'Transfer PayID'.

From the PayID screen, select three dots next to the PayID you wish to transfer, then select 'Close PayID'. This will remove the PayID and the details associated with it from your account. You will be able to register the PayID details again to the same account, or another account if you wish. 

This may be because your PayID details are already registered to another bank account. Each number or email address can only be registered to one bank account, please check any other accounts you may have and either de-register it or transfer it. If your details are not registered to another account, please contact us where we can raise it on your behalf.

Your email address or phone number must be verified before we can register it as a PayID. This is for your safety, to prevent others from using your details without your permission.

AMP Bank does not support sending international transfers currently. 

As always, if you have push notifcations enabled, we’ll notify you when a payment is made. You can also see completed payments by navigating to the Space. Any payments will show under ‘Transactions’.

You can choose any of your scheduled payments to be paid from a Space, including those from other Spaces. In the Space, tap ‘Manage Space’ and then ‘Bills paid from this Space’. You can select the scheduled payment you want to move and it will be moved over automatically.

You can choose to pay any Scheduled or recurring payment from a new or existing Saving Space. You choose which bills you’d like to pay, then each time we receive a request for payment, we’ll take the money from the Space instead of your main balance.

In Spaces, tap the Space you’d like to pay your bills from, tap Manage Space then Pay bills from this Space. We’ll show you some information about how bills will be paid, then you can choose which of your scheduled and recurring payments you’d like to pay from the Space.

We’ll show you a total of the latest payments you’ve selected so you can set up an automatic transfer to the Space to cover the amount. We’d recommend adding a little extra money to the Space to make sure you aren’t caught out by any amount changes.

Any Scheduled and recurring payments will now be paid from your main balance - you won’t need to do anything. We’ll cancel any automatic transfers from your main balance to the Space. We’ll also move any money left in your Space to your main balance.

You’ll still be able to view the transaction history in your account statement and the archived Space. You can find all the spaces you have archived by going to Manage Spaces in Spaces.

If you don’t have enough money in your Space with payments set up, we will notify you and you’ll have until 4pm that day to transfer the required amount for your bills into the Space. If this doesn’t happen, the payment won’t be made.

BPAY Payments can only be sent on working days up until 6pm. Payments created after 6pm or on a weekend or public holiday may not be sent and settled on the same day. If you have created a BPAY payment after 6pm, it may not be settled until the next business day.

We can do it for you. Reach out to us via live chat or secure message in the app, or call us at any time on 1800 950 105 24/7 and we’ll promptly arrange for the direct debit to be cancelled.  You can also contact the merchant that the direct debit is set up with and request them to stop the direct debit.