Frequently Asked Questions

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If your payment is made before 7.00pm Sydney time on a banking day, then it will be treated as being paid on that day. If your payment is made after 7.00pm Sydney time on a banking day then it will be treated as being paid on the next banking day. If your payment is made on a non-banking day then it will be treated as being paid on the next banking day.

A banking day means a day that is not a Saturday or Sunday and which banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia.

Occasionally, a delay might occur in the processing of your BPAY payment for other reasons (e.g. where the other party isn't complying with its obligations).

BPAY allows you to pay your bills securely to over 60,000 businesses. You’ll need the biller code and customer reference number (CRN) provided by your biller to make a payment using BPAY in the SocietyOne app. Tap “Pay” on the accounts screen, select BPAY and follow the prompts to pay your bill.

Payments to participating Billers can be made from your SpendOne account using BPAY with their biller code and your customer reference number (CRN).

After you submit the payment, you'll see a confirmation page. These details will be recorded and can be accessed from your transaction listing in the app for your reference.

There is no fee charged to add your card to Google Pay. When adding your card Google may preauthorise a small amount, however this amount will drop off shortly afterwards. If this amount appears on your statement please contact SocietyOne to dispute the transaction.

To remove a card in Google Pay:

Go to the Google Pay App on your device, select the card you want to remove, tap on the three dots in the top right hand corner of the screen and select "Remove payment method". A confirmation message is displayed. Tap, "Yes, remove". Your mobile card will be removed from your Google Pay wallet.

Alternatively, you can permanently erase all the data on your device via Google's Find my Device. If you are using Find my Device, you will require network connectivity.

See Google Pay Pay Help Center for more information.

To temporarily suspend a card in Google Pay:

To suspend payments using Google Pay, you can disable contactless payments for the mobile card in your Google Pay wallet.

Go to the Google Pay App on your device, select the card you want to suspend, tap on the three dots in the top right hand corner of the screen and select "Disable contactless". A confirmation message is displayed. Tap "Yes, disable". You will not be able to make contactless payments with your card in Google Pay until you set it up for payments again.

Your physical card is not impacted by the above, and you can continue making transactions with it.

What happens when I lock my physical card?

If your physical card is temporarily locked, it will also be temporarily locked in Google Pay and you will not be able to transact with that card using your device.

As per the SocietyOne Google Pay Terms and Conditions, your personal information will be shared with Google and its service providers to:

  1. Operate Google Pay

  2. Detect and address fraud

  3. Improve and promote Google Pay and other Google products and services

  4. Comply with applicable laws and respond to regulatory or government inquiries

Google may store this information outside Australia.

Google can provide Westpac with certain information including your Android Device details, personal details and location.

If you do not agree to your information being disclosed or used in this manner you should not add your Card to Google Pay.

Further information on Google Pay can be found at the following Google pages:

Google Pay Help Centre

As an additional security measure, Google may remove your card from Google Pay if:

  • Your device has not had network connectivity for a considerable period of time; or
  • You have removed the security control used to access your device (e.g screen lock, passcode or biometric identifier)
  • The card issuer has revoked the Google Pay service for your card or removed the card eligibility\

Refer to Google Help Center for more details.

When you add a card to Google Pay, you are required to verify your details to help protect your account.

If you add your card directly through the Google Pay app (i.e. not using the SocietyOne app), the only method available to complete verification is to enter the verification code that is sent to your mobile number.

Yes, the transaction limits that apply to Google Pay are the same as your physical card. If a PIN is required to authorise a payment (or refund), you will need to enter the PIN for that card at the terminal.

Yes, you can use Google Pay as a backup. If you have reported your physical card lost or stolen, your replacement card details will be automatically updated in Google Pay and you can continue to make transactions without the need to activate your replacement card. If you have placed a temporary lock on your physical card, it will also be temporarily locked in Google Pay and you will not be able to transact with that card using your device.

Some possible reasons for why the transaction is declining even though the mobile card still appears in the Google Pay app include:

  • The terminal does not support contactless payments

  • You don't have an internet connection and a new Token Key is required

  • Your Near Field Communications (NFC) is switched off on your mobile device

  • Your card has been temporarily locked

  • Your card or the transaction account has insufficient funds or limit for the transaction

An incorrect card PIN has been entered at the terminal when prompted.

No, you do not need to re-enrol when your physical card has expired, or if it’s been lost, stolen or damaged. Your replacement card details will be automatically updated in your Google Pay and you can continue to make transactions with your virtual card without the need to activate your replacement card.

To successfully add a card to Google Pay you will need to ensure that:

  • you have a compatible Android device
  • you have an eligible SocietyOne debit card (which has been activated, if you are using the Google Pay app to add your card)
  • the name you have entered in the Google Pay app is an exact match to the name displayed on your physical card, i.e. if a first name, middle name and surname are displayed on the physical card, all three must be entered in the app, to ensure you can successfully add a card.

When adding cards to Google Pay a virtual account number is created in place of your card account number. This number is used when you make a  payment with Google Pay (or a refund of that payment), so that your card account number isn't shared with the merchant and won't appear on the receipt. Each time you add your card to Google Pay, a new virtual account number is created.

If using Google Pay to obtain a refund, you may have to provide the last 4 digits of your virtual account number. You can find your virtual account number in the Google Pay app.

For payments processed through online merchants Google Pay will also use either your Virtual Account Number or another uniquely generated account number as a representation of your card to process the transaction.

Google Pay is a simple, fast and secure mobile payment service that allows you to make contactless payments with your compatible Android device at contactless terminals in store, online and in-app at participating merchants.

Google Pay uses near-field communication (NFC) technology to facilitate mobile payments.

To use Google Pay, your device must be running on Android 5.0 (Lollipop) or higher, and support near-field communication (NFC) and host card emulation (HCE) technology. NFC and HCE are both required for Google Pay to work for in store transactions. Check the Google Pay Help Centre for more information as Google may from time to time make changes to the operating system and device requirements.

The card details shown on the receipt provided by a merchant will contain the last four digits of your Virtual Account Number rather than your physical card number.

Transactions using Google Pay are secure as Google keeps all payment information on secure servers. Your full card details are never stored on your phone or shared with merchants when you use Google Pay. Merchants are only provided with your Virtual Account Number.

When Google Pay is used for transactions a confirmation appears in the app which can assist you to detect suspicious activity sooner. This alert contains where the transaction occurred along with the merchant's name and the amount of the payment or refund.

If you misplace your phone you can use Android Device Manager to either lock your device or perform a remote factory reset to prevent further Google Pay transactions being processed.

Google Pay stores your Virtual Account Number on the device. It is the Virtual Account Number which is used to process transactions rather than the Goggle Pay app.

The Google Pay app is used to manage your cards and provide the Google Pay Transaction Receipt. It is a term of the SocietyOne Google Pay Terms and Conditions that you keep the Google Pay app installed on your device so that you can receive the Google Pay Transaction Receipt.

To remove the ability to make payments from your device, you must reinstall the Google Pay app and remove the card from the app or go to Settings > Connections NFC and Contactless Payments > Contactless Payments > Disable Google Pay.

See Google Pay Help Center for more information.

If you get a new mobile device you will be required to add each card to Google Pay using the normal enrolment process.

You should perform a factory reset on your old mobile device. This will erase the Google Pay app and personal data and delete any cards you have added to the app. You can use Google's Find My Device to permanently erase all the data on your device to prevent further Google Pay transactions being processed.

See Google Pay Help Center for more information.

You may be prompted to enter your physical card PIN at the contactless terminal. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.

If you have forgotten your card PIN, you will be able to reset it through the SocietyOne app in Card settings > Set or change PIN.

It normally takes 5-10 business days for you to receive your physical card, but remember you can load your digital card into your Apple walletat any time and use it immediately.

If you haven't received the card within 10 business days, you can let us know via the SocietyOne app.

If your card has been lost or stolen, you can cancel your card and order a new one.

To cancel your card in the SocietyOne app go to Card settings, select Report lost or stolen and follow the prompts.

Using at an eftpos machine: If you try your card PIN three times and don't get it right, on an eftpos machine, your card will be blocked and unavailable to use for 24 hours. You can then retry your PIN.

Using at an ATM: If you enter the incorrect PIN three times at an ATM, your card may be swallowed. Your card may not be returned by the ATM due to incorrect PIN attempts.

If you can't get your card back from an ATM, go into the SocietyOne app and report your card as being lost. You will be reissued with a new card, which will come within 5-7 business days.

No, there are no upfront or ongoing fees for the SpendOne and SaveOne accounts.

SocietyOne and Westpac do not charge any ATM withdrawal fees.


Some ATM providers may charge you a fee. Please check the ATM you're using to see if any fees apply, before you agree to a transaction.

To start sharing data, you need to contact the organisation you wish to share your data with.


Accredited data recipients (ADRs) have a digital portal (usually in the ADR's app). From this portal you need to:

  • select the accounts and data you wish to share and
  • consent to sharing this data with the ADR.


Once you have granted your consent to the ADR, you will be connected to SocietyOne, where we will ask you to authorise us and Westpac to share your data with the ADR. We can only share your data if you have provided this consent.


It is entirely your choice to share your banking data with other organisations. In the SocietyOne app, there is an open banking dashboard which shows the data you've shared and who you've shared it with (including any previous consents that have expired, been revoked or cancelled).


You can always change your mind and, through the open banking dashboard, manage your shared data.

That's up to you and you can stop at any time by managing your data sharing settings inside the SocietyOne app.


When creating your consent, you can select how long you would like it to stay active. A consent may be for a one-time share, or you may select a period of up to 12 months. The maximum time for consent to remain active is 12 months, before it will expire. If you would like to continue sharing data once it has expired, you will need to create a new consent.


Some Accredited Data Recipients (ADRs) may also allow you to amend an active consent on your data sharing accounts. By visiting the ADR's app, you may have the option to extend a consent or change the accounts within the consent. Westpac's Consumer Data Right Policy (available in the app or on SocietyOne open banking webpage) explains the consumer data right in further detail and how to get further help.

Open banking gives you control over your banking data and the ability to share it with companies to offer you better deals or new services.


Open banking can increase competition across financial services, which is good for customers as it may lead to companies offering lower prices and better services.

A Target Market Determination (TMD) is a document which describes who a financial product is generally designed for (target market) and any conditions on how the product is offered and distributed to customers. The TMD describes how frequently the target market and distribution arrangements will be reviewed. The TMD for the SpendOne and SaveOne accounts is defined by Westpac to ensure that customers are at the centre of the approach to the design and distribution of these financial products.


To read the full TMD, you can go to https://www.westpac.com.au/about-westpac/innovation/banking-as-a-service/.

Only accredited organisations can receive your data and they are known as "accredited data recipients" or ADRs for short. These ADRs must comply with privacy and security requirements and be accredited by the government regulator - the Australian Competition and Consumer Commission.

The Consumer Data Right (also known as open banking) gives you, as a consumer, the ability to share your banking data with other participating parties you trust, including other banks,online.

Westpac's ConsumerData Right Policy (available in the app or on SocietyOne open banking webpage)explains the Consumer Data Right in further detail and how to get further help.

No, joint accounts currently aren't offered.

Yes, your SpendOne account is linked to a Debit Mastercard, issued by Westpac®. You will be sent a physical card when you sign up for your SpendOne account. You can manage your Card settings inside the SocietyOne app.

Opening SpendOne and SaveOne accounts takes less than 3 minutes.


To open an account:

  1. Download the SocietyOne app from your app store;
  2. Have your Australian Driver Licence, Australian Passport or Medicare card handy so your identity can be verified;
  3. Answer a few extra questions that help us comply with the law;


Then we'll send you a physical debit card and, if you use Apple Pay, you can add the digital card to your Apple wallet and use it as soon as you deposit money into your account!

You are only able to have one SpendOne account and one SaveOne account per customer.

No, only Australian passport, Australian driver licence or Medicare card are accepted.

Try manually entering your address.

Check that:

  • you are entering your Australian residential address
  • you are not entering a PO box address


SpendOne and SaveOne accounts are only available to Australian residents. PO box address cannot be used.

Through the SocietyOne app, the following accounts can be accessed

• SpendOne account, which you can use for everyday payments and transfers; and

• SaveOne account, a savings account that helps you automate savings via Round Ups and Instant Save

Both of these accounts, and debit cards are issued by Westpac, and you must have a SpendOne account to open a SaveOne account.

We don't offer joint accounts right now.

When opening your accounts, you can use the following to prove your identity:

  • Australian Driver Licence
  • Australian Passport
  • Australian Medicare card


Overseas passports aren't accepted , even if you have an Australian visa.

You can sign up for the SpendOne and SaveOne accounts if you:

  • Are over 18 years of age;
  • Are a resident of Australia (living in Australia with an Australian address);

Have an Australian passport, Medicare card or an Australian driver licence.

The SpendOne and SaveOne accounts are a collaboration between SocietyOne Australia Pty Ltd and Westpac BankingCorporation.SocietyOne provides theSocietyOne App through which you can apply for and access the accounts. Westpac is the issuer of the accounts.

No, although Westpac may contact credit reporting companies to help verify your identity (because they may hold credible ID information if you have taken out credit before), we do not ask them to do a credit check.

  • The ID verification checks do not impact your credit score.

We cannot accept cash or cheques.

You can withdraw funds from your SpendOne account at any international ATM where the Mastercard or Cirrus logo is displayed, by using your card.

At overseas ATMs, you cannot use your card to make deposits or transfer funds between accounts linked to your card. To access funds from your account at overseas ATMs, select the ‘cheque/savings/credit' options.

We don't charge any fees on overseas ATM withdrawals (or on anything else!). Some ATM operators may charge a transaction fee. Please check the ATM fees before you agree with the transaction.

There are no fees applicable on international purchases made online or in person.

A daily transfer limit of $10,000 applies for outgoing transfers to other bank accounts. If you need to make a transfer greater than $10,000, please contact us via in-app messaging. There are no daily limits for transfers made between SpendOne and SaveOne accounts.

A maximum of $2,000 per account can be withdrawn from an ATM each day. We may temporarily allow ATM withdrawals and payments over these limits in certain circumstances. Please contact us through in-app messaging to request this.

The fastest way to cancel a direct debit will be with the merchant/company they were established with. This will ensure the payment is cancelled within the conditions of the agreement.

We are also happy to help you cancel a direct debit and you do not have to approach the merchant first. You can message us through the app with the following details:

Merchant Name

Direct Debit Amount

Date of last direct debit

If there is a transaction you don't recognise, please contact our customer service team via in-app messaging.

If your card has been lost or stolen, please cancel your card in Card Settings via the SocietyOne app.

Use their BSB, account number and name to make a payment from your SpendOne account.

After you submit the payment, you'll see a confirmation page. You should record the details if you need to query the transaction.

Your SpendOne and SaveOne accounts have a BSB and account number that you can use to deposit money into your account from another Australian bank account.

To find the BSB and account number, log in to your mobile app, select your SpendOne or SaveOne account and you will find the BSB and account number on the top of the screen.

We can't accept cash or cheque deposits.

Let us know straight away by calling us at 1300 164 825, if you are overseas call +612 9155 7559 24 hours, 7 days a week.

If you've made a payment in error, please contact us via in-app messaging.

If you've received a payment that you don't recognise, please contact us via in-app messaging.

Osko by BPAY is a near real-time payment. The service is built on the New Payments Platform and enables fast payments to a PayID or an eligible BSB and account number. You will see the transaction appear as Osko or the Osko logo when you make or receive an Osko Payment.

A PayID is a unique, easy to remember identifier, such as a mobile number, that is linked to an eligible account.

Payments to PayIDs are fast Osko payments, which means they are received in near real-time, 24/7 even between customers of different banks. Payments to PayIDs can also include a longer payment description.

Receive payments to your PayID - You can register your mobile number as a PayID, then share it with people who need to pay you instead of needing to remember your BSB and account number.

Send payments to PayIDs - Payments can be made to the following PayID types: mobile number, email address, ABN, phone number and Organisation ID.

PayID is not yet available with your SpendOne account.

You can access your account statements in the SocietyOne app.

Go to the SpendOne or SaveOne account and select tap Manage > Account statements.


If you are no longer a SocietyOne customer, you will still be able to access historical statements for a period of 7 years relating to your accounts by emailing us at customer.service@societyone.com.au.

First time transfers to new payees or payments made from new devices may be delayed as an additional security precaution.

You earn interest with your SaveOne account which is calculated daily by applying the interest rate applicable on that day to the closing balance of your account. Interest is paid into your account on the first day of the next month after interest has been earned. Interest rates may change from time to time - the current interest rate can be found on SocietyOne's website. The interest you are entitled to earn is subject to a balance cap up to $50,000 in your SaveOne account..

There is no interest earned on your SpendOne account.

From More on the home screen, you can manage Savings Rules. You can:

  • Turn Instant Save on or off
  • Customise the percentage you would like to save for each deposit to your SpendOne account

To set up Round Ups, visit "More” on the home screen, then select Savings Rules. , You can: manage Savings Rules. You can:

  • Turn Round ups on or off
  • Edit rule to Choose "Edit rule‚Äù to select or change the Round Up multiplier 1x, 2x or 3x.

Save as you spend. When you turn on Round Ups, your SpendOne card payments will be rounded up to the nearest dollar, and the difference transferred will be your SaveOne account.

For example, if you purchase a coffee for $2.70, with the Round Up feature switched on, the transaction will appear as $3.00 in your SpendOne account and the $0.30 difference will be transferred in to your SaveOne account.


You can add a multiplier to boost the Round Up amount by, 2x or 3x.

You don't have to lift a finger. Set up Instant save a to choose a percentage of all deposits made into your SpendOne account that will be automatically transferred to your SaveOne account.


Every time a deposit is made to your SpendOne account, we will instantly transfer your chosen percentage to your SaveOne account. For example, if you set your Spend/Save percentage to 80%/20%, $20 will be saved in your SaveOne account if $100 is deposited into your SpendOne account.

Round ups will not work in the following scenarios:

  • If your purchase is exactly on the dollar. For example, a purchase that is $4.00 will have no spare change to round up
  • If there are insufficient funds in your account
  • If the transaction is a direct debit, BPAY, ATM cash withdrawal or Pay Anyone transfer

Yes, the SpendOne account transaction limits and daily withdrawal limits that apply to Apple Pay are the same for your physical card.

No, there are no fees to add your card or use Apple Pay.

Yes, when you tap on your SpendOne card in your Apple Wallet, you will see the latest 10 transactions for that card made with Apple Pay (excluding refunds or transactions made on the eftpos payment network). You won't see transactions made with your physical card. To view a complete list of your transactions, go to your SpendOne account in your SocietyOne app. Please note the transaction will stay as pending for one week before the status changes.


If you've set up your Apple Watch with Apple Pay, you can check your transaction history in the Watch app. In the Watch app, tap Wallet & Apple Pay, tap your card, scroll down through Latest Transactions.

You may be prompted to enter your physical card PIN at the merchant terminal when using Apple Pay in store, for transactions over $200, when processing refunds or taking cash out.

To use Apple Pay, you must have a passcode set on your device. You can choose to add Face ID or Touch ID if you would like to. You must have an Apple ID signed into your iCloud account. Make sure your region is set to Australia and you have internet access.


SocietyOne App

  • When you first sign up you will see a prompt when the card is ready to be added to Apple Wallet. Click on the button and follow the prompts.
  • Or, inside Card Settings, tap Add to Apple Wallet and follow the prompts.


iPhone

  • Open the Wallet app
  • Tap + in the top right corner and follow the prompts


Apple Watch

  • Open the Apple Watch app on your iPhone.
  • Tap Wallet & Apple Pay, then tap Add Card and follow the prompts


For more information, visit https://support.apple.com/en-au/HT204506

You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You will need to authenticate with either Face ID, Touch ID or your device passcode. You can pay in person or you can use Apple Pay to pay when using apps or Safari online.


Paying in-store with Face ID on iPhone - To pay using Face ID with your iPhone - Double-click the side button and glance at your iPhone to authenticate with Face ID. Hold the top of the iPhone near the contactless reader until you see Done and a checkmark on the iPhone.


Paying in-store with Touch ID on iPhone - Rest your finger on Touch ID to authenticate while holding the top of your iPhone near the contactless reader until you see Done and a checkmark on the iPhone.


Paying in-store using Apple Watch - Double-click the side button on your Apple Watch and hold the display near the contactless reader. Wait until the watch generates a gentle tap. The screen will also display Done and a checkmark.


More information: https://support.apple.com/en-au/HT201239#Stores


Paying when using apps - Look for the buy with Apple Pay icon or choose Apple Pay as your payment method at checkout. Follow the prompts and confirm that your payment, shipping and contact information are all correct. Tap > to change any of the payment information. Use Face ID or Touch ID to confirm your payment with an iPhone or Double Click the side button to confirm payment with an Apple Watch.


Paying when online - For online payments with your Mac with Touch ID, follow the prompts on the Touch Bar and place your finger on Touch ID when prompted to authenticate your payment. For online payments with other Mac models, use Bluetooth to select your iPhone or Apple Watch to authorise payments in Safari. You will need to be signed into the same Apple ID on all devices.


More information: https://support.apple.com/en-au/HT201239#safari


Don't share your device passcode with anyone else or let anyone register their face or fingerprint on your device.

iPhone or iPad

Go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then scroll down and tap Remove This Card.

Or open Wallet, tap a card, tap, then scroll down and tap Remove This Card.


Apple Watch To remove a card that you use on your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, then scroll down and tap Remove This Card.

Or tap Wallet on the Home screen of your Apple Watch, tap a card, touch and hold, then tap Delete.


For more information, visit https://support.apple.com/en-us/HT205583

The first card added to Apple Wallet is the default card. If you add more than one card, you can change the default card at any time. The process is slightly different for each device.


iPhone or iPad - Go to Settings > Wallet & Apple Pay, scroll down to Transaction Defaults. Tap Default Card and choose a new card.


Apple Watch - On the iPhone, open the Apple Watch app, and go to the My Watch tab. Scroll down and tap Wallet & Apple Pay > Default Card and choose a new card.


Mac with Touch ID - Go to System Preferences > Wallet & Apple Pay. Choose a new card from the Default Card pop-up menu.

Security and privacy are at the core of Apple Pay. Apple uses security features built-in to the hardware and software of your device to help protect your transactions.


Apple doesn't store or have access to your full card details, and these are never stored on your device or shared with merchants when you use Apple Pay.


Merchants are only provided with your Device Account Number. Each transaction is authorised by your Face ID, Touch ID or the device passcode and a confirmation is displayed in the Wallet.


This shows the merchant name, where and when the transaction occurred and the amount of the payment or refund.


If you misplace your device you can use Apple's ‘Find My' app service to remotely lock your device or permanently erase the data on your device, including your card details to prevent further Apple Pay transactions being processed.


Subject to the SpendOne and SaveOne accounts Terms and Conditions, you are covered for fraudulent and unauthorised transactions made with your SocietyOne card on Apple Pay.


More information on Apple Pay security and privacy: https://support.apple.com/en-au/HT203027


Link (Terms and conditions):

https://www.westpac.com.au/content/dam/public/global/documents/banking-as-a-service/societyone/spendone-apple-pay-terms.pdf

As set out in our Privacy Notice and Apple's Terms and Conditions, your personal information will be shared with Apple and its service providers to:

  • Operate Apple Pay
  • Detect and address fraud
  • Improve and promote Apple Pay
  • Comply with applicable laws and respond to regulatory or government inquiries.

Links:
Privacy - https://www.westpac.com.au/content/dam/public/global/documents/banking-as-a-service/societyone/societyone-banking-privacy.pdf

T&Cs - https://www.westpac.com.au/content/dam/public/global/documents/banking-as-a-service/societyone/spendone-apple-pay-terms.pdf

If you have received a verification notification, please call the number on the screen to speak with one of our team. It just means we need to check a few things with you to get your card activated.

To access the eftpos CHQ / SAV options you will need to remove your card from the Wallet app and add it again as a Different Card.


Update your Card on iPhone:

  • ‚Ä¢ Remove your SpendOne/ SaveOne debit card from Apple Pay on your iPhone.
  1. a. Open the Wallet, tap your SpendOne/ SaveOne debit card, tap the three dots icon, then tap Remove Card.
  2. • Add your SpendOne/ SaveOne debit card back into Apple Pay on your iPhone.
  3. a. Open the Wallet, tap the + sign in the upper-right corner and follow the prompts.
  4. b. When you re-add your card, do not use the Previously provisioned feature. Ensure you select Add a Different Card at the bottom of the screen and use your iPhone camera to capture your card details.


Update your Card on Apple Watch:

  1. 1. Remove your SpendOne/ SaveOne debit card from Apple Pay on your Apple Watch.
  2. a. Open the Apple Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, tap the card, then tap Remove this Card.
  3. 2. Add your SpendOne/ SaveOne debit card back to Apple Pay on your Apple Watch.
  4. a. Open the Apple Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay. A list of Payment cards on your watch may be displayed.
  5. b. Tap the yellow Add Card option below the list of Payment cards on your watch.
  6. c. Tap Continue and select Add a Different Card at the bottom of the screen, you will need to scan the physical card details and follow the prompts to enable dual network functionality.

Once you have completed enrolment, the eftpos network will be available and the eftpos CHQ and / or eftpos SAV options will be displayed.

No, you do not need to re-enrol when your physical card has expired or if it's been lost, stolen or damaged. Your replacement card details will be automatically updated in your Apple Wallet and you can continue to make transactions without the need to activate your replacement card.

Apple Pay is available on iPhone, iPad, Apple Watch, Mac with Touch ID, Mac with an Apple Pay enabled iPhone or Apple Watch and the latest version of iOS.

More information at https://support.apple.com/en-au/HT208531 and https://support.apple.com/en-au/HT204204

When adding cards to a device with Apple Pay, a Device Account Number is created in place of your card number. This number is used when you make a payment with Apple Pay (or a refund of that payment), so that your card number isn't shared with the merchant and won't appear on the receipt. Each time you add a card to a device with Apple Pay, a new Device Account Number is created.

If you are using Apple Pay to obtain a refund, you may have to provide the last 4 digits of your Device Account Number. You can find your Device Account Number on the card details screen in your Apple Wallet.

To close your SpendOne and SaveOne accounts:

  • Withdraw all funds or transfer any remaining balance from your SpendOne and SaveOne accounts to another account, (your SaveOne account will be closed when the SpendOne account is closed)
  • Get in touch with us via in-app messaging and let us know you'd like your SpendOne and SaveOne accounts to be closed and we'll take care of it.


Be sure to stop regular payments in or out of your SpendOne and SaveOne accounts. This includes recurring payments linked to your card, direct debits where you have authorised a third party to debit your account at set times, or regular transfers that you have set up.

Before you use your physical card, you'll need to activate it.

To do this, tap the 'More' tab on the home screen in your SocietyOne app, tap Card settings > Activate card and follow the prompts.

If you received an error when attempting to verify your identity, check the following:

  • The legal name on your identification document (ID) matches exactly what you've entered in the Society One app.
  • Be sure to use your full legal name, including any middle names and not names that you may be commonly known by instead.
  • Please check you haven't made a typo in your legal name, date of birth (DD/MM/YYYY), address or ID document details.
  • The identification you provided is still valid (i.e it hasn't expired) If you are still having issues, try a different form of ID.


Using a Driver Licence or Passport usually provides the best results. if you are using a Medicare card for ID, there can be limitations to how your name is displayed on your Medicare card.

If you do use your Medicare card, be sure to type out the details exactly as they appear on your card You may need to make sure that your address is updated on your ID document, particularly if you have recently moved.