Transact instantly using mobile wallet

Transact instantly using mobile wallet4,5

Say bye to waiting 5-10 days for a physical card to arrive in the mail and hi to Hiver's instant digital card. Simply signup, login for the first time, set a PIN to activate your digital card and begin transacting instantly.

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

Avoiding and minimising fees

Use ATMs that offer free withdrawals

There are now thousands of ATMs across Australia that offer free access to your account. Check the screen carefully when using a machine to see if you will be charged a fee or not before proceeding with your withdrawal.

Reduce other ATM usage

The easiest way to avoid ATM fees is to use only ATMs that don't charge a fee. If you must use another ATM to withdraw cash think about how much you might need for the next couple of days rather than just for today - withdrawing larger amounts less often will help reduce fees.

Get cash out when you shop

When you are shopping, withdraw cash at the same time as this avoids the need to get cash out at an ATM. You have unlimited EFTPOS transactions so make the most of them.

Cashless shopping

There are many ways you can pay for things that don’t involve cash. Think about using EFTPOS at the point of purchase with your Visa Debit card.

Pay bills electronically

Pay all of your bills electronically. Use our free Internet Banking services to set up regular direct debits and BPAY.

Use Internet Banking

Our Internet Banking services are free. Use them to transfer money, pay bills via BPAY, check your balances – plus much more.

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 Osko6 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 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.