Hiver everyday account 5 percent cashback

Cash back on the essentials.

Use your Hiver Visa debit card to get 5% cash back⁶ on everyday essential purchases like groceries, public transport, and bill payments.

Fees & charges.

The Hiver Everyday Account is mostly free³ to use but be careful not to overdraw in which case you'll be charged interest.

Set up and monthly account fees

Free

Unlimited set up and alterations of direct debits

Free

ATM withdrawals worldwide 

Free

Overdrawn account

12.64% p.a.

Replacement Hiver Visa debit card

$10

Read our complete Fees and charges

FAQs

We don't charge any everyday banking or monthly fees. There are a few special services fees we do need to pass on - see our Fees and charges.

We don't have branches so you need to transfer money into your account from another Australian bank account or have your salary paid directly into your account. If your other bank supports Osko⁷ payments, the money should arrive in your Hiver account straight away.


Remember the Hiver BSB is 812-812
To transfer money into your Everyday account, use your Member Number as your account number.

If you want to pay with your mobile, you can add your Visa Debit card to Apple Pay⁴ or Google Pay⁵. 

If you're using a compatible iPhone or Android device, you can set up Apple Pay or Google Pay from the ‘Cards’ section in your Hiver app.

The best way is by using the Hiver app! You can always log into internet banking via the website at anytime. For the best experience we suggest using the app.

1 Service subject to system availability.

2 Before you decide on any of our products and services, we strongly recommend you read both the Hiver Bank Conditions of Use Accounts and Access and Hiver Bank Fees and Charges. We have not considered your objectives, financial situation or needs. The target market for this product can be found within the product’s Target Market Determination, available here.

3 Other special services fees apply. See Fees and charges brochure.

4 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 Mobile Wallet Terms and Conditions.

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 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 Mobile Wallet Terms and Conditions.

6 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.

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.