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Download the Hiver app

Sign up in minutes and start transacting instantly

QR Code

On a Desktop?

Scan this QR code using your phone.

Download on the App Store Get it on Google Play

Hiver_LockCard

Safe & Secure.

  • Instantly lock your card in the Hiver app, 24/7³.
  • World class data security and encryption with Fraud Interceptor.
  • Under the Financial Claims Scheme (FSC), all of Hiver's deposits are Government guaranteed⁴ up to $250,000.
Hiver_MobileWallet_TapandPay

Pay your way.

  • Debit card, digital wallet, Apple Pay⁵ or Google Pay⁶, with Hiver the choice is yours.
  • Be paid and pay others instantly with OSKO⁷.
  • Spend and save instantly from the moment you join the Hive.
Hiver_SaverGoals

Budgeting made better.

  • Budget like a boss. See where and how you spend with auto-categorisation.
  • Make your money go further. Get a bonus saving rate applied to each Saver account when you make at least one deposit and only make one withdrawal each month.
  • Buckets are so in. Create up to three Saver accounts to help organise your savings.
  • Your goals are our goal. Set a savings goal so you can easily track and stay on top of your saving progress.

1 Hiver members will earn 5% cash back for every dollar spent using their Hiver Visa Debit card (less refunds and excluding cash advances, cash withdrawals, other cash-related transactions, interest charges, fees, credit or debit adjustments) on the following categories: Grocery purchases (classified by Visa's 'Merchant Category Code' as 'grocery stores and supermarkets' MCC 5411; 'Freezer and Locker Meat Provisioners' - MCC 5422; 'Candy, Nut and Confectionery Stores' - MCC 5441; 'Dairy Products Stores' - MCC 5451; 'Bakeries' - MCC 5462; 'Miscellaneous Food Stores - Convenience Stores and Specialty Markets' - MCC 5499), Public transport (classified by Visa's 'Merchant Category Code' as 'commuter transport and ferries' - MCC 4111; 'passenger railways' - MCC 4112; 'bus lines' - MCC 4131), Bills (classified by Visa's 'Merchant Category Code' as 'Telecommunication Services' - MCC 4814; 'Utilities' - MCC 4900), Uniforms (classified by Visa's 'Merchant Category Code' as 'Uniforms, Commercial Clothing' - MCC 5137; 'Commercial Footwear' - MCC 5139) when purchases are made using mobile wallets (Apple pay, Samsung pay, Google pay), online and Paywave in-store up to a maximum of $250 per calendar year. Cash back will be deposited into the member’s Everyday account in the first five business days of a new month. This offer may be withdrawn or changed without notice.

2 Other special services fees apply. See Hiver fees and charges brochure.

3 Service subject to system availability.

4 Under 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.

5 You 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.

6 You 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.

7 Osko is a registered trademark of BPAY Pty Ltd. 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.