👋 Contactless card PIN limits (payWave) are increasing temporarily from $100 to $200, effective 6 April 2020. This will reduce the need for physical contact with a payment terminal and help to lower the risk of COVID-19 transmission.

Money Ready Options

Your money is ready when you are.

  • Receive and send money almost instantly with OSKO² 24/7. Yes, even on weekends¹.
  • Start transacting instantly by simply adding your card to Apple Pay³ or Google Pay⁴ on your mobile.
  • Enjoy no ATM fees worldwide when you use your Hiver debit card⁵.
  • Your Hiver app gives you access to your finances, anywhere, anytime¹.
Hiver_PhoneNotifications

Stay on top of your money.

  • Get instant alerts on any money coming your way.
  • Get notified when you make a payment and how much you spent.
  • Track your spend at a glance with spend categorisation.
Hiver_Overseas

Heading overseas?

  • No added mark-up or conversion fees on any overseas purchases (online or in person)⁶.
  • Withdrawals for free at international ATM’s with your Hiver Visa debit card⁶.
HiverLock

Safe and secure.

  • Lost or stolen card? Lock and unlock your card anytime from the Hiver app.
  • Support when you need it with in-app messaging feature.
  • Using biometrics (touch ID and face ID), so only you can access your money.
  • Our Hiver Visa debit card is protected by the Fraud Bureau Service early detection fraud monitoring system.
  • All of Hiver’s deposits are guaranteed up to $250,000⁷.

¹Service subject to system availability.

²Osko is a registered trademark of BPAY Pty Ltd. Osko services is issued by over 50 BPAY Scheme members. The BPAY scheme is managed by BPAY Pty Ltd (ABN 69 079 137 518). Any financial product advice provided by BPAY Pty Ltd in relation to Osko services is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such advice, you should review the terms and conditions and consider whether the Osko service is appropriate for your personal circumstances. Usually money sent using OSKO will arrive in less than a minute.

³You should consider whether this service is appropriate for you before acquiring it. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Apple PayTM. Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. For more information on compatibility using Apple Pay and Hiver Mobile Wallet please review our Terms and Conditions.

⁴You should consider whether this service is appropriate for you before acquiring it. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Google PayTM. Android, Google PayTM and Google logo are trademarks of Google LLC. For more information on compatibility using Google Pay and Hiver Mobile Wallet please review our Terms and Conditions.

⁵Before you decide on our products or services, we strongly recommend that you read both the Conditions of use Accounts and access and Fees and charges booklets. We have not considered your objectives, financial situation or needs.

⁶Other special services fees apply. See fees and charges brochure.

⁷Under the Australian Federal Government's Financial Claims Scheme funds are protected to a maximum of $250,000 for each account holder per institution. In the case of joint accounts, each account holder is entitled to a maximum of $250,000. If you have separate bank accounts with different brands of Teachers Mutual Bank Limited, the limit of $250,000 applies to your total funds you have in all your deposit accounts with us. This is because we operate under more than one brand name but have only one banking licence.