Internet Banking Guide
Terms and Conditions
Effective from 10 August 2026
CONTENTS
1. GETTING STARTED
1.1. REGISTER FOR INTERNET BANKING
You can register for internet banking when opening your account in person or online. If you are already a Member of Queensland Country Bank, you can register for internet banking by calling us on 1800 075 078 or visiting your local branch. Once registered, visit our website at queenslandcountry.bank and select the ‘Login’ button on the right hand side of the top menu bar, then select ‘Internet Banking’.
1.2 LOG IN
Enter your Member Number and Password to log in.
1.3 LOGGING IN FOR THE FIRST TIME
The first time you use internet banking you need to read and accept our online banking Terms & Conditions. The Terms & Conditions contain important points to remember to safeguard your accounts and can be downloaded online at any time.
For your security, you will be prompted to change your password the first time you log in. Your new password:
- Must be between eight (8) and sixteen (16) characters long;
- Must contain both letters and numbers (with at least one capital letter);
- Must be different to your previous five (5) passwords;
- Should not contain part of your name or your date of birth; and
- Must not contain your member number.
Once your password has been successfully changed, select ‘Continue’.
1.4 TWO-FACTOR AUTHENTICATION
To protect your accounts online, Queensland Country uses two-factor authentication to prove your identity. You will be required to register for two-factor authentication before you can perform certain transactions within internet banking; such as transferring funds outside of your accounts, creating PayIDs, opening new accounts or accessing sensitive personal information.
SMS Security
This is the most commonly used form of two-factor authentication and involves receiving a text message with a security code to be entered before you can perform certain transactions within internet banking.
To register for SMS security, select ‘Settings’ from the top menu, then ‘Secure SMS Management’. Select your Australian mobile number for receiving SMS security from the dropdown box then select ‘Register’.
Note: If your mobile number is not listed, please contact us to proceed.
Certain actions within internet banking require secure SMS validation. When prompted, select the relevant mobile phone number (if multiple are registered) and select ‘Request SMS Code’. Enter the SMS Code, which was sent to your chosen mobile number, and then select ‘Validate’.
Token Security
If SMS security is unsuitable, you can instead choose token security. This involves either obtaining a physical device (contact us to arrange) or downloading a free soft token app on your smart phone. To download the soft token, search for ‘VIP Access’ in Google Play or the App Store.
Your physical or soft token will need to be registered before use. If you are also registered for SMS security, you can do this by selecting ‘Settings’ from the top menu, then ‘Register Token’. Otherwise, please contact us to register the token for you.
1.5. MOBILE BANKING
While this guide takes you through the steps for internet banking, it’s worth noting that Queensland Country also has a mobile app available for easy banking on the go.
Download the app by searching for ‘Queensland Country’ in Google Play or the App Store.
To start using the app, you first need to complete the previous steps in this section (register for both internet banking and two-factor authentication).
2. PERSONAS
If you have (or are signatory to) any business accounts, you will notice upon logging in that your personal bank accounts are grouped together as a personal banking persona and clearly separated from any business banking accounts.
Likewise, if you have access to accounts at multiple businesses, you will find the accounts for each business grouped together in their own persona.
You need to select which persona you want to work with before proceeding. It’s easy to switch account views by selecting the relevant persona from the drop-down arrow on the top-left hand corner of the page.
Personas are listed alphabetically. You can edit the name of each persona to make it easier to identify by clicking on the pencil icon (🖉) next to the account name.
You can also change the order of the accounts within each persona by selecting ‘Re-order Accounts’.
3. ACCOUNTS
The navigation menu is displayed at the top of the screen. Clicking on each icon will expand the menu, providing you with access to related features and services.
3.1. BALANCES
Your internet banking experience opens on your account balances. This page also contains some important information and shortcuts.
Your name and member number
Your member number will appear directly below your name.
Account
This is your unique account number. Use this number when transacting on each of your accounts.
Account balance
This shows both your available balance and your current balance. The balances may be different where transactions are on hold or funds are uncleared (i.e. credit transactions or cheque deposits).
Ellipses (...) button
Clicking here will give you more information and options relating to your account.
Re-order accounts
Click here to change the order in which your accounts are shown.
Session history
Shows when you last logged in.
Last transactions
Displays your most recent account activity and a link to view your session history.
Mailbox
A notification will display if Queensland Country has sent any messages about your accounts.
e-Statements
Notifies you if there are any new e-Statements to view.
Print icon (🖶)
Click here to print your account balances.
3.2. HISTORY
This page lists transactions that have occurred on your account. If you hold multiple accounts, select the arrow beside your account balance at the top of the page to switch between each account.
If you’re looking for a specific transaction, click the ‘Search transaction history’ icon (🔍︎), enter your search criteria and select ‘Search’.
Click the download icon (⤓) to print or download your statement in a range of different formats.
3.3. INTEREST DETAILS
Navigate to this page for a summary of interest earned, paid, or withheld on each of your accounts for the current or previous financial year.
Select the print icon to print your interest summary.
3.4. MANAGE PAYIDS
Instead of giving out your BSB and account details to receive money, you can instead allocate a unique PayID to any of your accounts.
Funds sent to your PayID from participating financial institutions will be processed instantly, meaning no delay in receiving your money.
To register a PayID, you will first need to verify your identity using SMS or token security.
Within the ‘Accounts’ menu option, select ‘Manage PayIDs’ then choose a unique PayID, such as your email address or mobile phone number.
Choose which of your accounts you would like to allocate the PayID to and read and accept the Terms & Conditions.
If you have chosen an email address for your PayID, a security code will be sent to that address.
If you have chosen a mobile number for your PayID, a security code will be sent to that number. Enter the code you are sent then select ‘Confirm’.
You can repeat these steps to add a unique PayID to as many accounts as you like.
To edit a PayID, select the ‘Manage PayIDs’ option and then select the relevant registered PayID.
Select ‘More options’ at the bottom of the page. You will then have the choice of locking, transferring or closing the registered PayID on that account.
4. TRANSFER/PAY
The Transfer/Pay menu allows you to make payments from your accounts.
4.1. TRANSFER
The Transfer function allows you to transfer funds between your own accounts. Click on the arrow and choose the account you need to transfer from and the account you need to transfer to. Enter your reference and the payment amount. You can choose to process the payment now or schedule the payment for a future date.
Check the details of your transfer and select ‘Edit Payment’ to make changes or ‘Confirm’ to continue.
Once the transfer has been confirmed you can print a receipt by clicking the print icon.
If you would like to make another transfer, then you can do so by selecting ‘Pay Another’.
4.2. PAY SOMEONE
The ‘Pay Someone’ function allows you to transfer funds to another person’s account.
Choose whether you want to process the payment now or schedule it for a future date by clicking on the relevant tab.
Select a recipient from your favourites list or click 'Someone new' to add a new recipient.
If you want to process the payment now, you will have the choice of inputting a PayID for real time payments or sending to a bank account the traditional way by entering a BSB and account number.
Pay Someone - to PayID
With the New Payments Platform (NPP), you can send Osko payments, which are processed instantly between participating financial institutions in Australia.
To send a real time payment, you need to ask for the recipient’s PayID, which will usually be their email address or phone number. You enter this PayID instead of a BSB and account number.
While you don’t need to have your own PayID to send a real time payment, you may at this point receive a prompt to create one. You can either dismiss the message or select ‘Create My PayID’ and follow the steps outlined in Section 3.4 of this guide.
Select the ‘To PayID’ tab, enter your recipient’s PayID, then select ‘Next’.
Enter the payment amount and any optional fields.
Check the details, then click ‘Confirm’.
Pay Someone - to Bank Account
To send money to someone’s account the traditional way, select the ‘To Bank Account’ tab, then enter their account name, BSB and account number.
Click on the arrow to choose which account to transfer from. Enter the details of your transaction.
Select ‘Update favourites’ if you wish to save the payee details for future payments. The first time you make the payment you will need to verify your identity using SMS or token security. Payments added to favourites are known as ‘trusted payments’ so you won’t need to validate future transfers to that account.
If you had selected the ‘Pay Later’ option this screen will also allow you to choose a date and frequency of payments.
Review the details of your transaction and select ‘Confirm’ to continue.
4.3. BPAY®
Use this function to make BPAY® payments. Click on the arrow to choose which account you need to pay the bill from.
Enter the details of your transaction and check ‘Add to Favourites’ if you would like to save the biller details. You can choose to process the payment now or schedule the payment for a future date.
The first time you make the payment, you will need to verify your identity using SMS or token security. Payments added to favourites are known as trusted payments so you won’t need to validate future payments to that biller.
Confirm the details of your payment and select ‘Confirm’ to continue.
4.4. INTERNATIONAL TRANSFERS
Use this function to pay money to overseas accounts directly through internet banking. You can view all international transfers, or those that are pending, stopped or processed.
To create a new transfer, select ‘Create Transfer’.
The service will guide you through the process for completing your international transfer.
Please note: Transaction limits apply.
First, you need to get a quote. Enter the amount and type of currency to transfer then select ‘Get Quote’.
Review your quote details and select ‘Next’ to proceed.
Enter the details of your transfer, choose to save to favourites if you need the details for a future payment, then select ‘Next’.
You will receive a final quote that is valid for 45 seconds. Review the details of your transfer and select ‘Confirm’ to continue.
4.5. SCHEDULED TRANSFERS
The Scheduled Transfers page lists all recurring payments that have been set up on your accounts. Click on the ellipses (...) button to view the details of each transfer.
If you need to make any changes you can modify the details and select ‘Save’ or choose ‘Delete’ to cancel all future payments.
4.6. BUSINESS BANKING
Refer to the separate Queensland Country brochure, Guide to Making Batch Payments in Internet Banking, for step by step instructions on using this function.
5. APPLY
Using the Apply menu, you can create certain individual accounts online.
5.1. CREATE ACCOUNT
Select ‘Create Account’. You will need to verify your identity using SMS or token security to access this section.
Review the accounts available to open online. Click on each account type to view interest rate information and click the ‘Select’ button to apply for the account that’s right for you.
Note: Eligibility criteria applies to certain accounts (e.g. age). Therefore, only those accounts for which you are eligible will be available within internet banking.
You can enter a nickname for your account in the Account Name field. Choose the amount of your opening deposit and use the arrow to select which of your existing accounts will fund the opening deposit.
Review your new account details, read and accept the terms and conditions, choose if you want a receipt emailed to you, then select ‘Confirm’, or click the ‘Back’ button if you want to make any changes.
6. SERVICES
Use this menu to view or modify services offered by Queensland Country.
6.1. SECURE MAIL
You can use Secure Mail to send or receive important information relating to your accounts. To read a message, click on the highlighted subject line.
Here you can choose to print, reply or delete the message.
When you reply, your message will be sent to the Queensland Country contact centre team.
6.2. LOAN STATUS
The Loan Status menu allows you to view the progress of any loan applications and existing loans.
6.3. ALERTS
You can elect to receive an SMS or email alert when a range of actions happen to your accounts, like funds are deposited or your balance hits a certain threshold. To get started, click the red wheel (settings) icon (⚙), to the right of the 'Create Alert' button.
Enter your mobile number and email address and select your preferred method and time for receiving alerts, then select ‘Save’.
Click the ‘Create Alert’ button and explore the different options.
Note: Creating, and saving, an initial alert for your account(s) will activate the functionality to apply Global Alerts across both your account and card transactions. Please refer to the following section for further details.
Global Alerts notify when credits or debits are made to any of your accounts.
Selecting the ‘Create Alert’ button will present options to select which transaction types and method for which you would like to configure alerts.
Account Alerts notify when a specific account reaches a threshold or to receive regular updates on the balance of that account.
Card Alerts notify when a range of transactions are processed using your card.
All of your alerts are summarised in the Alerts screen. Click the ellipses (...) button to edit or delete an alert.
6.4. SESSION HISTORY
In Session History, you can view the details of everything you have done while logged into internet banking. View all details or specify a date range or action.
All activity history is presented by default, but there are options to filter by a specific date range or by action type.
6.5. SMS HISTORY
In this section you can view the list of all SMS messages that have been sent to your mobile for authentication.
6.6. E-STATEMENT MANAGEMENT
In this section you can register to view your statements electronically. Enter your details, accept the terms and conditions and select ‘Save’.
Equally, you can also use this section if you wish to deregister from e-Statements.
6.7. E-STATEMENT VIEW
In this section you can view all of your old e-Statements.
All available statements are presented by default, but there are options to filter the view by type, order or a specific date range.
Scroll through and select the statement you want to view by selecting the ‘View’ option.
6.8. CARD MANAGEMENT
Depending on the credit and/or debit cards you have, the Card Management menu allows you to perform a range of actions.
Activate Card
This function can be used to activate a new card online.
Lost or Stolen
This function allows you to immediately cancel a card that has been lost or stolen. Keep in mind that this action cannot be undone and you will need to contact us to order a replacement card.
Change Card PIN
Choose this option to select a new PIN for your card.
Note: If you inadvertently lock your card PIN, you can still change it by using the function within the Mobile App. Please be aware that your new PIN cannot be used until the mandated lockout period of 24 hours has expired. You will still be able to complete payWave transactions of $100 or less and any other transactions that do not require a PIN.
Reduce Visa Credit Limit
If you have a credit card with Queensland Country, you can specify a new reduced card limit here.
Cancel Visa Credit Facility & Card
This function allows you to cancel your credit card online.
Please allow three (3) business days for the card cancellation to be processed.
7. SMARTBUDGET
Members with a SmartBudget account can access the portal here.
If you don’t already have a SmartBudget account, you can enter your details to register your interest.
8. SETTINGS
Use the Settings menu to update your personal details and preferences.
8.1. ADDRESS DETAILS
Queensland Country may write to you with important information relating to your account.
To ensure you receive those updates and your private information is protected, it is important that you regularly review and update your address. Click on the ellipses (...) button beside your address to delete or update your information.
8.2. CONTACT DETAILS
Use this function to update your contact phone number(s) or email address(es).
Simply update your details where required, then click ‘Save’.
8.3. PERSONAL DETAILS
Use this page to record and update details relating to your residence, marital status and dependents.
Queensland Country may require this information in certain circumstances (i.e. when you apply for a loan).
8.4. WORK DETAILS
Use this page to advise Queensland Country of your current and/or previous employment details.
If your employment details change, simply update your details where required and then click ‘Save’.
8.5. CHANGE PASSWORD
Queensland Country recommends that you change your password regularly.
You should update your password as soon as possible if somebody else knows it or it has been compromised in any way. Simply enter your current password then confirm your new, secure password.
8.6. ACCOUNT RE-ORDER
This function allows you to change the order in which your accounts are listed to suit your needs.
Click on the arrow icons and drag the account block to the desired position. Click ‘Save Order’, to confirm your preferred order.
8.7. NOTIFICATIONS
You can elect to receive receipts and notifications via email using this function.
Simply enter your email address, choose the services you would like to receive an email notification or receipt for, then click ‘Save’.
8.8. SECURE SMS AND TOKEN REGISTRATION
Queensland Country offers an extra level of online protection with SMS and token security.
Please refer to Section 1.4 for further information about ‘Two-Factor Authentication’.
8.9. TRANSACTION LIMITS
Your default transaction limits will vary in accordance with your online security.
Restricting the amount that can be paid from your account each day can help protect you against online fraud.
We take your online security seriously so you can only reduce transaction limits online. If you need to increase your transaction limits, please contact us.
To reduce your transaction limits, first click the ellipses (...) button beside the relevant limit.
Then choose your preferred limit. Select ‘Update Limits’ to save your changes.
Note: If you reduce your transaction limits and later want to increase them again, you’ll need to contact us.
8.10. SETTINGS
On this page you can change your preferred account. The preferred account will automatically be selected when you process debits from your accounts.
You can change the account you wish to debit at any time. Click the arrow and select your preferred account, then click ‘Save.
9. HELP
Use the Help menu to view our Terms & Conditions.
10. LOGGING OUT
For your online security it is important that you log out of internet banking at the end of each session.
When you’re ready to log out, simply select ‘Logout’ at the top right-hand corner of the page.
From here, you can log in to internet banking again or return to our website.
11. HOW TO CONTACT US
If you have any questions or need more information, please contact us:
| Branch | Visit our website for a listing of all our branches |
| Post | PO Box 679, Aitkenvale QLD 4814 |
| Phone | 1800 075 078 |
| Website | queenslandcountry.bank |
| info@queenslandcountry.bank |
Please note:
Names, accounts and other details used throughout this guide are fictitious and have only been used for illustrative purposes.