What do I do if I am trying to pay a bill online but the system is telling me that it is not yet due for payment?

You can view your SmartBudget agreement by logging into the SmartBudget portal, available through Queensland Country Internet Banking or the mobile banking app.

• On Internet Banking, the SmartBudget portal is accessible via the top menu bar.
• On the Mobile App, you’ll find it in the side menu bar.

If you’re not yet set up for Internet Banking, you can register at your local branch or by calling our Contact Centre on 1800 075 078.

Prefer to bank on the go? Find out how to download our mobile banking app.

• Login to your SmartBudget portal, available through Queensland Country Internet Banking or Mobile Banking App.
• Select the agreement that you wish to pay the bill from.
• Click on ‘Pay bill’ and a list of bills due for payment will appear.
• Find the bill you wish to pay and click ‘Pay’.
• Check that the payment details are correct.
• Enter in the amount you wish to pay in 'Actual amount of this bill'.
• After entering all the required details, select Confirm to proceed.
• Double checking the details – Review the payment details on the Payment Confirmation Popup and if correct select Pay to proceed.

Yes, of course. As this may mean reshuffling your agreement to suit your new bill you will have to attend your local branch or call our Contact Centre for assistance. Please be advised that the restrictions regarding overdrawing your SmartBudget account still apply e.g. generally the account can't be overdrawn in the first 8 weeks.

Note: If your account is overdrawing in the first eight weeks there may be a top-up required.

You can update the customer reference number at any time by clicking on the pen icon to the right of the customer reference number and simply editing the number. If you need to change a biller code, simply contact your local branch or call our Contact Centre and they will be able to help you with this.

Biller details rarely change however some providers may change the details everytime. Always pay particular care when making payments.

Your nominated service account is a Queensland Country account of your choosing which can be used to top up your SmartBudget Account from within the SmartBudget portal.

This account can also be used for refunds or reimbursements. Take care when nominating your service account as if you nominate a credit card facility, any top ups from this account will be charged as a cash advance. Alternatively, if you choose a Bonus Saver account, any top ups will be treated as a withdrawal and bonus interest is lost.

Find out more about how you can top up your 'Rainy Day' below.