BPAY and BPAY View

A variable CRN is a CRN that changes each time you receive a new bill, unlike a fixed CRN which remains the same for each bill.

When you add a frequently used biller using the add biller link on the BPAY^® Billers page you will receive a message stating that the CRN will not be saved if the biller you are adding uses a variable CRN. When you view this biller in the Billers tab you will see ‘Variable CRN Biller in the customer reference column.

When you add a biller that uses a variable CRN you will receive a message stating that the CRN will not be saved as that particular biller uses a variable CRN. When you view this biller in the Billers tab you will see ‘Variable CRN Biller in the customer reference column.

Due to the current BPAY rules, you are no longer permitted to create a recurring BPAY payment to a biller which uses a variable CRN. If you are setting up a recurring BPAY payment please ensure that the biller you are using is not a variable CRN biller. If you are using a variable CRN biller this will be noted in the drop down box when you select the biller, provided that the biller has not been registered for BPAY View^®. For BPAY View registered billers the BPAY View registration number will be shown, and for fixed CRN billers, the saved CRN will be noted next to the biller name.

Individual Billers may or may not accept payments from credit card accounts. If the Biller does not accept credit card payments you will not be able to make the BPAY payment from your credit card.

Please check with your biller if they accept credit card payments via a different payment method, or make the BPAY payment from another account.

Yes. BOQ Cards is a BPAY Biller. The Biller Code is 91215 and customers should use their credit card number as the Customer Reference Number when making payments to their BOQ credit card. If the Credit Card is attached to your Internet Banking profile, then you can also simply complete a Funds Transfer.

Yes. When you register for Internet Banking you will be offered a number of daily limits packages to choose from. These will define the daily transaction amount limit for Pay Anyone (including Multi Payments) and BPAY transactions via Online Banking.

The limit package can be set by the branch as part of the initial registration, and be effective immediately. You can also choose or change your limits package online via Internet Banking - any increases will automatically be applied after 2 calendar days, decreases take affect immediately.

The table below shows the various limit packages available:

These Pay Anyone and BPAY limits packages are pre-set pairs as outlined above. Different Pay Anyone and BPAY limits can not be selected separately. For example, $2,500 Pay Anyone and $50,000 BPAY limit is not a valid limit combination.

No. The Frequent Biller option enables you to update your own personalised biller list. Once you have created the Frequent Biller, every time you want to pay your bill, you only have to select the biller from the list and input the payment amount.

Please Note: Some Billers operate with a variable Customer Reference Number (CRN), it is good practice to confirm the CRN on your bill for each payment.

For a BPAY payment request the cut off time is 6:00 pm (AEST)^** on a business day. The following table will assist you to understand when your BPAY payment will be processed:

From Account	When was BPAY payment requested	Same day	Next business day
Credit Card or Account#	Before 6.00 pm (AEST)** on a business day*
Credit Card or Account#	On a non-business day* or after 6.00** pm (AEST) on a business day

#Account means a Transaction Account, Savings Account, Investment Account, Loan Account, Line of Credit Account, Business Account, Cheque Account, or another non-credit card account.

*A business day is defined as any day on which BOQ head office is open for business that is also a day on which banks in Melbourne or Sydney are able to effect settlement through Reserve Bank of Australia.

** During NSW Daylight Savings Time period the cutoff will be 5:00pm (AEST).

If a bill payment is made before the cut off time (i.e. 5pm) on a business day, the Biller will usually receive the payment on the next business day. If a bill payment is made after this time or on a weekend, the Biller will usually receive the payment on the second business day after the payment was requested.

If you have scheduled your payment to occur on a date in the future it can be modified or cancelled anytime before the date scheduled. It cannot be modified or cancelled if the payment is scheduled to occur on the current date.

If a Biller is paid in error you can request an error correction by visiting a branch or by calling the Customer Contact Centre on 1300 55 72 72 (operating hours are 8am – 8pm Monday to Friday and 9am to 5pm on Saturday)..

Please Note: A fee applies for the funds recall. Recalls are typically completed within 5 business days.

When you modify a future dated Pay Anyone, Multi Payment or BPAY Payment, Internet Banking internally deletes the payment and creates a new payment with the same details including the modification. This is the reason why your change is displayed as a deletion and creation.

Yes, please refer to the table below.

From Account	When was BPAY payment requested	Same day	Next business day
Credit Card or Account#	Before 6.00 pm (AEST)** on a business day*
Credit Card or Account#	On a non-business day* or after 6.00 pm (AEST)** on a business day

#Account means a Transaction Account, Savings Account, Investment Account, Loan Account, Line of Credit Account, Business Account, Cheque Account, or another non-credit card account.

*A business day is defined as any day on which BOQ head office is open for business that is also a day on which banks in Melbourne or Sydney are able to effect settlement through Reserve Bank of Australia.

** During NSW Daylight Savings Time period the cutoff will be 5:00pm (AEST).

Yes. Internet Banking allows you to perform a range of future dated and recurring payments and transfers, including BPAY payments.

Recurring payments can be scheduled weekly, fortnightly, monthly, quarterly, half yearly, annually, four weekly and two monthly.

When a scheduled payment is processed, you will be notified of the success or failure of the payment via secure mail as well as via the email address you have provided. You can also subscribe to receive SMS alerts on your scheduled payments.

BOQ will withdraw funds from your account on the date the payment is requested. If the payment is scheduled for the current date this will occur immediately. If you have scheduled the payment to occur on a date in the future, funds will not be withdrawn until that date.

BPAY View allows you to view bills from participating billers within Internet Banking. These bills can be paid the same as the paper based version or directly from your account using BPAY.

BOQ customers can register to see bills from participating billers via BOQ Internet Banking. We will then advise you when you have received new bills which you can view and pay without the need to ever receive the paper bill.