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Help

Whats new?

National Payments Platform (Coming soon)

Say goodbye to waiting for your money and hello to quick and painless payments! The National Payments Platform will mean that you will receive any payments (from participating institutions) within 60 seconds! Just make sure your contact details are up to date with us and you can enjoy this brand new feature! We will announce the launch date for the NPP soon.

Staying in the know

We make sure to update our product disclosure statements and our T&Cs regularly. Best to give them a leaf through. To stay up to date visit our Downloads page.

Cards & Payments

Debit Cards

I've lost my card!

Oh no!! Don't stress, you can simply give us a call on 1800 648 027 Australia wide and toll free and we will get this sorted for you asap.
If overseas, give us a ring on +61 2 8299 9101.

Can I order a replacement card online?

Can I order a replacement card online? Please call us on 1300 GO 4 GOLD to order any replacement Visa debit cards. We will ensure this process is as quick and painless as possible.

Can I use my debit card overseas?

Yes, your Goldfields Money card can join you on your much deserved holiday! Just give us a ring on 1300 GO 4 GOLD and let us know you're heading overseas in advance so we don’t think your card has been stolen and lock your account.

How do I check what my daily withdrawal limit is?

We have a $1000 daily withdrawal limit combining withdrawals made using ATMs and via EFTPOS as well as transfers or payments made by internet banking when you first sign up with us. However, don't fret! Just give us a buzz on 1300 GO 4 GOLD and we can change this for you!

How do I change my daily card limit?

This is super easy! Just give us a ring on 1300 GO 4 GOLD and we can do this for you super quickly! Your limit will last for a 24 hour period. If you need it to last longer just ask and we'll see what we can do!

What is my paywave limit?

Paywave has a single transaction limit of $100.00. You'll have to enter your PIN if the purchase is over $100.00.

What do I do if I think there are unauthorised transactions on my card?

Oh dear this shouldn't be happening!! Give us a call on 1300 GO 4 GOLD and we can get this sorted for you!

Card expiry and replacement cards

We will send you a replacement card a few weeks before expiry. If you do not receive your card before it is due to expire, contact our friendly Goldfields Money Staff and they will be able to follow up where your replacement card is.

BPAY

How do I pay a bill on Internet Banking?

Simply log into Internet Banking > select transfer & pay > click BPAY. Fill in the information and make the payment! It's never been easier!

How do I set up a future dated bill payment?

When you go to make a BPAY payment in Internet Banking, you are asked at the bottom to select "when", here select "at a future date" to set up your future dated payment.

How do I set up a recurring bill payment?

When you go to make a regular BPAY payment in Internet Banking, you are asked at the bottom to select "when", here select "recurring" to set up your recurring payment.

How do I create a new biller (Bpay)?

Pop onto your Internet Banking, select manage > contacts > add contacts. Here you can choose to add a contact for either a BPAY transaction or regular transaction. Super easy right?

Cheques

Can I view the status of my cheque?

You can view the status of your cheque in Internet banking. Select Manage> cheque> view status. If the information has not updated give us a call on 1300 GO 4 GOLD and we can look into the cheque progress for you.

Cheque Books

You will notice a change as we have simplified the layout of our cheques and added your new 9 Digit Account Number. This is an added level of security for you. Please destroy all your old Goldfields Money cheques as they will no longer be valid. Your new cheque books will be available from your branch. If you would like us to post it out, please let us know.

Apple & Google Pay

What is Apple/Google Pay?

For Apple Pay and Google Pay you may need to enter a PIN for transactions over $100 AUD. Your total daily limit is dependent on your individial account set up.

Is it safe?

Using Apple Pay and Google Pay is actually safer than using your physical card! When you make a purchase it uses a device-specific number and unique transaction code each time meaning your card number is never stored on your device and card numbers are never shared with merchants! When you make a payment, this digital wallet payment does'nt keep transaction information that can be tied back to you.

What do I do if my account has been compromised!

If you use Tap and Go and you can see fraudulent transactions on that account, we will happily refund you that money as long as you report the incident to us on the day your card is compromised. Give us a call on 1300 GO 4 GOLD if you need to report any suspicious behaviour on your account.

Can I add more than one card to Apple/Google Pay?

Yes you can! You can add as many cards as you want! The one you select to sit at the top will be your default card for payments.

How much does Apple/Google Pay cost?

Absolutely nothing! There are no additional fees for using these features.

What can I expect to change for me?

During March 2018, your Android Pay app will update to Google Pay. You’ll find all your saved cards and offers in the new app, and you’ll be able to use Google Pay everywhere you use Android Pay now – including any place that accepts contactless payments. Plus, the app will have a fresh look and a few new features to explore.

Two Factor Authentication

What is Two Factor Authentication?

It's much simpler than it sounds I promise you! Two Factor Authentication is an added security feature we offer to keep your money extra safe! You'll receive a text message containing a code when you transact on internet or mobile banking. Simply enter the code into the app or internet banking to proceed with the transaction. Easy right?

Click here for more info

How do I set up Two Factor Authentication?

The mobile number you have on record with us will be automatically set up for you to use for Internet banking. If you wish to use a different number than that on record for 2FA please let us know by calling the branch on 1300 GO 4 GOLD. We care about you and the security of your money so we want all our customers to have this feature without having to move a finger. Make sure you have provided us with your mobile number by contacting 1300 GO 4 GOLD otherwise you may be restricted in what you can do.

How do I cancel Two Factor Authentication?

So sorry but you can't. We're committed to keeping your hard earned money safe and to do this we need all our customers to have two factor authentication.

Payments & Transfers

Can I cancel a transfer?

Give us a call on 1300 GO 4 GOLD and we'll see what we can do! Depending on the receiving banking institution or the time of day it has been processes we may or may not be able to make changes.

Can I search for a particular transaction?

Of course! Just jump onto internet banking> select accounts then > select transactions. Make sure you select a particular account. Once you do, click the magnifying glass icon and search away!

Can I transfer money overseas?

We have partnered with Instarem in order to remit money overseas with low cost fees and competitive FX rates. Log onto Instarem and open an account, the process is super quick and takes the hassle out of sending money overseas.

How do I create a new payee?

Pop onto your Internet Banking> select manage> contacts > add contacts. Here you can choose to add a contact for either a BPAY transaction or regular transaction. Super easy right?

How do I create or change my daily limit?

This is super easy! Just give us a ring on 1300 GO 4 GOLD and we can do this for you super quickly! Your limit will last for a 24 hour period. If you need it to last longer just ask and we'll see what we can do!

How do I make a transfer to an account at another bank?

This works just like making a transfer to someone at the same bank! You can even do this on Mobile Banking! Just log in, select your account, select external, put in the details and you're all good to go! But we're always here to help so if you're having issues just give us a buzz on 1300 GO 4 GOLD

How do I set up a future dated payment?

When you go to make a regular transfer in Internet Banking, you are asked at the bottom to select "when", here select "at a future date" to set up your future dated payment.

How do I set up a recurring payment?

When you go to make a regular transfer in Internet Banking, you are asked at the bottom to select "when", here select "recurring" to set up your recurring payment.

How do I transfer money between my own accounts?

When you go to make a transfer in Internet Banking, directly under the transfer tab It asks whether you want to make an internal or external transfer. Select internal and you can transfer between your own accounts!

Can I search for a particular transaction within my eStatements?

Of course you can! Just make sure you have an email address in Internet Banking by going into Internet Banking> selecting manage > then profile > and entering a valid email address. Once you do this you can then go into accounts > select eStatements > and search for any of your previous statements by typing in the date!

If you're having trouble locating any of your eStatements just give us a call on 1300 GO 4 GOLD.
How to locate particular transaction within your eStatements

How far back can I view my transaction history?

All transactions made prior to the 27th April 2018 wont show on your transaction histories or statements on the new banking services (Internet Banking, Mobile Banking, Phone Banking and Business Banking) but they are still available to you. We store all your information for at least 7 years. Just give us a buzz on 1300 GO 4 GOLD and we can get this sorted asap for you!

How long do external transfers take?

Just 24-48 working hours! If it's taking any longer than this just give us a ring on 1300 GO 4 GOLD and we can look into it for you.

I can't find my billers and payees

Oh dear! No worries, just log in to your internet banking> select manage> contacts and they should all be there! If not, just give us a call on 1300 GO 4 GOLD and we can help you find them!

I have deleted a contact, but the payment is still going to this payee/biller

Oh no! Don't stress, just give us a call on 1300 GO 4 GOLD and we can solve this for you!

What will happen if I transfer my money to the incorrect account?

Well, if it's not a real account the money should just bounce back… however if it is a real account you will need to cancel the transfer by calling us on 1300 GO 4 GOLD.

How do I get a transaction receipt?

You can get a transaction receipt when you first make the transaction. When you confirm the transaction, a page will come up that says “Your transaction is complete”, from here there will be a printer icon on the top right corner of the pop-up. If you click this, you can print the transaction receipt. However, we understand that you may not know you need it straight away, therefore, to get one for a previous transaction you can select “Manage”, “Security” then “Session History”. From here you can view all the different sessions that have occurred within that account and print each session as needed. For example, if you made a transaction on the 23 of May 2018, you can select that session and print the transaction that includes the receipt number.

Having trouble viewing your transaction receipt?

You might have your browser permissions set a bit high. Check out this help guide on getting that sorted.

Statements

How do I opt into eStatements?

All new customers will be set up to receive eStatements automatically. If you would like to amend your statement preferences and how you receive them feel free to call us on 1300 GO 4 GOLD or pop into your local branch and we can get paper statements sorted for you.

For Existing customers:
How do I opt into eStatements?
This is super easy. You can do it via internet banking by following the steps below:
1. Log on to your Retail or business Internet Banking
2. On the main page you should see a tab called 'eStatements' underneath our logo
3. Select Opt In (you may need to update your email address first) and away you go! From here you will only recieve emails to your provided email address with your statements. We will never send the actual statement to your email, only the link when your statement is ready to download via Internet Banking.

Alternatively, you can call us on 1300 GO 4 GOLD and we can set this up for you!

How far back can I download eStatements?

All of your eStatements are stored inside your Internet Banking profile, you can search for them as far back as you like. If you're having any issues locating old eStatements, just give us a ring on 1300 GO 4 GOLD

Withholding Tax

Withholding tax may apply to interest earned on your account(s) unless you’ve provided us with your Tax File Number (TFN) or TFN exemption. You’re not obliged to provide us your TFN or TFN exemption but if you don’t or if you have an overseas home address, we’re required by law to withhold tax.

Info on your account statements

We have statements coming your way! Paperless for all New customers, but, Existing customers – you’ll only be paperless if you’ve asked us to sign you up. If you have multiple paper statemented accounts, you should receive all of your individual account statements grouped into one convenient envelope! You can opt to change the preferences for each individual account. Sweet huh?

For Existing customers looking to change from paper statements:
How do I opt into eStatements?
This is super easy. You can do it via internet banking by following the steps below:
1. Log on to your Retail or business Internet Banking
2. On the main page you should see a tab called 'eStatements' underneath our logo
3. Select Opt In (you may need to update your email address first) and away you go! From here you will only recieve emails to your provided email address with your statements. We will never send the actual statement to your email, only the link when your statement is ready to download via Internet Banking.

Alternatively, you can call us on 1300 GO 4 GOLD and we can set this up for you!

Loans & Redraws

Personal & Car Loans

What is a Goldfields Money Personal Loan?

A Goldfields Money personal loan is a simple way to get what you want or need, right away! We work hard to tailor our loans to suit you!

What can I use the Goldfields Money personal loan for?

You can get a Goldfields Money personal loan pretty much for any non business purpose! From Holidays to wedding to reno projects, our Goldfields Money personal loans are structured to help get you where you want to go!

How do I apply for a loan?

Its easy to apply! Just head over to our website, scroll down just a tad and select "Apply for a loan" and select which product you want. It'll only take about 5 mins to fill out!

How long can I have the Goldfields Money Personal loan for?

For any amount of time between 1 - 7 years! Choose the best time frame for you!

How much can I borrow?

You can borrow up to $30,000 unsecured and up to $125,000 secured!!

Can I make extra payments or repay my loan early?

Yes of course you can! Additional payments can be made through internet banking, just make a transfer to your loan account! However, if you have a fixed rate loan with us, you can make additional payments of up to $10,000 per year.

How often can I make repayments?

You can choose to make repayments either weekly, fortnightly or monthly, this is up to you! We want what's best for you and we want to help make it as easy as possible.

How often will I receive a statement?

You can choose the frequency you receive statements! Sign up through internet banking to receive electronic statements and join us on our journey to becoming digitally savvy!

Can I get an approval before I find a car?

Well of course! We are happy to offer a pre-approved car loan so you don't have to worry about pesky vendor financing!

Are there any fees?

We do not add any additional fees! How good is that!? We will only ever pass on any standard government charges and fees/ taxes to our customers. We do however have penalty charges, if you're doing the right thing you don't need to worry about extra charges! Give us a call on 1300 GO 4 GOLD if you have an further questions, we'd love to help!

Am I eligible to apply for a loan with Goldfields Money?

You just need to be over 18, not currently bankrupt or insolvent and either an Australian citizen OR a permanent resident of Australia. However, if you don't fall into one of these categories, just give us a call and we'll have a look at what we can do because we want to help!

What are the interest rates?

Jump onto our website at www.goldfieldsmoney.com/products/loans and look at all our loan rates!

How is interest Calculated?

We calculate our interest daily for all loan products!

Is my property suitable security for a home loan?

Yes yes yes! All residential properties can be used as security as long as they are found suitable by an approved valuer but don't stress, we can arrange this for you!

Redraws

Can I redraw from my personal loan or home loan account on internet banking?

You can for home loans yay! However, not for personal loans sorry!! Just give us a ring on 1300 GO 4 GOLD if you have any more questions about this!

Is there a fee to redraw online?

Nope! Amazing right?

Accounts & Services

Transaction Accounts

How do I deposit money into my Goldfields Essentials account?

We will supply you with your BSB and account information once we have opened your account for you. Simply make a transfer into this account and you will be ready to start your Banking journey with us.

How do I withdraw money from my Goldfields Essentials account?

There are many ways you can do this! Our Visa Debit cards work at any ATM! (Use RediATMs for fee free withdrawls!) You can also withdraw money at our branches based in Kalgoorlie, Esperance and Norseman!

Are there any fees on my account?

Nope! At Goldfields Money we get that you want to use your money for YOU. There are penalty charges associated with various accounts, but as long as you operate your account correctly you won't be charged any silly fees.

Will I earn interest on the Goldfields Essentials account?

No sorry! You can earn interest on any of our savings accounts though! Check out the products section of our website to see what we can offer you!

Can I purchase online with the Goldfields Essentials account?

Well of course! Who are we to stop you from shopping???

Am I eligible to open a Goldfields Essentials account?

For sure! Anyone can! Just make sure that if you're under the age of 16 your parent comes and signs with you, then you're all set to go!

We've updated some of our product names

For comparison of Old vs New products, click below!

Product Name Comparison Table

Term Deposits

What is a term deposit?

Basically, it's a better way to save! Term deposit accounts are one option available to investors who want to get more out of their savings. They are a fixed term investment which means that your money is locked away with us to build interest for a certain amount of time! 

You choose how much you want to invest and for how long.

How long does it take to open a term deposit?

It only takes a few minutes to sign up and no longer than an hour to be up and running! How good is that?

How do I deposit money into my Term Deposit

Simple! You have 2 options.

1. You can either transfer the money directly to us and we can fund it into your account for you or 

2. We can set up a direct credit. 

It's up to you!

Can I break my term deposit before it matures?

Of course you can! Unfortunately there is a penalty rate of 1.50% if you decide to do this.

What happens to my term deposit at maturity?

Don't stress, you've got 3 options! You can choose to roll over the entire lot (principle & interest) for another term, take out the interest and roll over the principle only for another term or take it all out to use! We'll let you know when it's about to hit maturity and you can decide what you would like us to do. If you don't let us know we will roll over the lot for you.

Will you let me know before my term deposit matures?

Of course we will! You'll hear from us just before it matures so you can let us know how you would like to go ahead.

What fees are on my Term Deposit?

There aren't any woo!!

Will I be able to view my term deposit through internet banking?

Well of course!

What is the minimum and maximum deposit amount for a term deposit?

For the stow it term deposit account, the minimum is $5,000 with no maximum! 

What interests rates can I choose from?

We have a range of term deposit options you can choose from to suit your personal needs! Just
Click here to find all our rates listed under the term deposit product.

How will interest be paid?

If you choose to have your interest paid at maturity, you can choose to either have the interest invested into your new term deposit or have it paid into your nominated account.

What interest rate will I receive if I rollover my term deposit at maturity?

You will receive the rate advertised on that day for the same term as your previous deposit.

Who can open a term deposit?

Anyone can!! If you're under 18 you can open a Kids Count 2 term deposit account or if you're over 18 you can open a Stow It account!

When will I start receiving interest?

As soon as your term deposit is officially open! Interest is accrued daily so don't wait and get yours now!

Internet Banking

How do I register for internet banking?

It's never been easier! Just give us a call on 1300 GO 4 GOLD and we will issue you with a temporary password to get you up and running! Once you log in you will need to create a new and secure password.

How do I log in to my internet banking account?

In the top right-hand corner of this page you'll see a little banking icon and our internet banking login page. Simply log in with your customer number and password! Want access to your money 24/7 on the go, download the Goldfields Money App, available through the App Store on your Apple device or the Play Store on your Andriod device.

Having issues logging in?

Don't stress, just give us a call on 1300 GO 4 GOLD and we'll get you up and running in no time! Have your customer number handy so we can identify you easily.

How do I change my password?

It's never been easier! Just pop onto Internet Banking> select manage> then security and follow the instructions!

I have forgotten my password!

Forgot your password ? Don't worry - it's an easy fix, just call us on 1300 GO 4 GOLD and we will get that sorted.

I'm locked out of my account because I tried the wrong password too many times!

You'll need to call 1300 GO 4 GOLD to have your account unlocked and we'll help you reset your password.

Can I register for Internet Banking if I don’t have an email address?

No, sorry! You'll need an email address in order to register for internet banking. We need an email address for your account security, future communications, and important documents such as eStatements. There are lots of great email services online, find one that suits you and sign up.

How do I update my personal details?

You can do this in Internet Banking! Simply log on> click manage and go to your profile. It's all right there, just waiting to be updated! For security reasons you may be asked to input a SECURECODE that will be sent via text to your mobile number registered on the account.

How do I change my address to an overseas address?

You'll have to give us a ring on 1300 GO 4 GOLD to do this so we can make sure your money stays safe and secure! But don't worry, it doesn't take very long at all!

Which browsers, phones and tablets are best to use with IB?

Our internet banking works across all the latest browsers and devices! Just make sure that your device has been updated. Our current system works with the following browsers at a minimum, Windows 7, Apple iOS 8 & Android version 4.1. (all versions higher than these should work, give us a buzz if you are experiencing any trouble and we'll get you sorted right away.)

Why can't I see all my accounts listed in internet banking?

You should be able to view all your active accounts! Call on 1300 GO 4 GOLD if any account you have is not linked to your Internet banking profile.

Why does my internet banking crash when using the mobile app at the same time?

For your safety and security, the mobile app and internet banking have been set up to not allow multiple logins at once. If you are signed into your mobile app, you cannot be signed in on a Computer or tablet elsewhere, the program will automatically log you out of the later online session.

Mobile Banking

How do I log in using a mobile app?

Open the app, enter your username and password and your money is at your fingertips. If you're a newbie, firstly, WELCOME! Secondly, you should have been given a temporary password from us. If not, just give us a buzz on 1300 GO 4 GOLD and we will provide you with one, just be ready with your customer number!

How do I get mobile apps for my android or apple device?

The Goldfields Money App is available for download through the App Store on your Apple device or the Play Store on your Andriod device. Experiencing any issues? Just give us a call on 1300 GO 4 GOLD and we'll give you a hand to trouble shoot you through the techie stuff.

How do I change my password?

Too easy, just give us a ring on 1300 GO 4 GOLD and we will confirm your identity and reset it over the phone.

I'm locked out of my account because I tried the wrong password too many times

You'll need to call 1300 GO 4 GOLD to have your account unlocked and we'll help you reset your password.

How do I set up a pin for quick access?

This is super easy! Just pop onto your mobile banking app> select the menu> select users and > "Change my PIN".

What is a 'Balance Peek' and how do I activate this?

Balance Peek allows you to have a quick look at your account balance so you don't have to log in. You can't transact in 'Balance Peek' making it completely secure and saving you from having to log in everytime you want to see if you have enough for those shoes you want to buy!

How do I change my address to an overseas address?

You'll have to give us a ring on 1300 GO 4 GOLD to do this so we can make sure your money stays safe and secure! But don't worry, it doesn't take very long at all!

Why does my mobile app crash when using Internet banking at the same time?

For your safety and security, the mobile app and internet banking have been set up to not allow multiple logins at once. If you are signed into your mobile app, you cannot be signed in on a Computer or tablet elsewhere, the program will automatically log you out of the later online session.

Business Banking

What is Goldfields Money Business Banking?

Business Banking is designed to help modern businesses perform their financial tasks at a higher level than what Internet Banking allows. This can sometimes get a little complicated, so we’ve prepped an all–inclusive guide for you to help make things simple!
From delegated users, many to sign, batch payments, the authorisation process and ABA files, we’ve got you covered.
Click here for more info!

Which browser versions are supported?

Our internet banking works across all the latest browsers and devices! Just make sure that your device has been updated. Our current system works with the following browsers at a minimum, Windows 7, Apple iOS 8 & Android version 4.1 and others. Call us on 1300 GO 4 GOLD if you have any problems and we'll get you sorted right away.

Are there specific password requirements?

We want to keep your hard earned money as safe as possible and your password plays an important part in this!
In order to keep your account safe and secure your password must
- Be different from your existing password and not contain your customer number
- Be at least 8 characters long
- Contain at least one lowercase letter (a-z) and one uppercase letter (A-Z)
- Contain at least one number (0-9) and one special character (eg !, *)

How do you register for Business Banking?

Don't stress, just get in contact with us at 1300 GO 4 GOLD or visit your local branch and we'll set you up!

Can a delegated user still access internet banking?

Of course! When you log on to business banking as a delegated user you are using the account owners customer number however, when you log onto personal banking you are using your own customer number. If you are an account owner, you should be able to see both your business accounts and personal accounts on the one profile!