Rainy Day is used to track the amounts not used towards bills paid in the agreement.

Here's how it works:

  • When you pay a bill, if the bill amount is less than what you allocated, the unused allocation is recorded in Rainy Day.
  • If you receive a bill that is higher than the amount allocated, your able to use your unused allocations in Rainy Day and top up the difference required to pay the full bill amount.

Important:

Rainy Day is not your account balance. It’s a record of your unused bill allocations. This amount doesn’t include upcoming or unpaid deposits and bills, so it will not match your account balance.


Related FAQs

How can I view my SmartBudget agreement online?

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.

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How can I pay my bills online?
  • 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.
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Can I add new bills throughout my agreement?

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.

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I'm trying to pay a bill but the system is telling me that it is not yet due for payment?

If you need to pay a bill before the due date in your agreement, simply contact your local branch or call our Contact Centre to see if this can be adjusted.

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What happens if the biller details are incorrect?

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.

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