Frequently asked questions: BPAY® and BPAY ViewTM
Can I make BPAY payments from my credit card?
Individual Billers may or may not accept payments from credit card accounts. If the Biller does not accept credit card payments you will be asked if you wish the transaction to proceed as a cash advance.
Note: If you choose to proceed with the payment, this would mean that interest is charged in the same manner as for any other cash advance.
Can I make BPAY payments to a Bank of Queensland credit card?
Yes. Bank of Queensland Cards are a BPAY Biller. The Biller Code is 91215 and customers should use their credit card number as the Customer Reference Number when making payments to their Bank of Queensland credit card.
However, if the Credit Card is attached to your Internet Banking profile, then you can also simply complete a Funds Transfer.
Is there a daily limit for BPAY transactions?
Yes. When you register for Internet Banking you will be offered a number of daily limits packages to choose from. These will define the daily transaction amount limit for Pay Anyone (including Multi Payments) and BPAY transactions via Internet Banking.
The limit package can be set by the branch as part of the initial registration, and be effective immediately. You can also choose or change your limits package online via Internet Banking - any increases will automatically be applied after 2 calendar days, decreases take affect immediately.
The table below shows the various limit packages available:
| Pay Anyone daily limit |
BPAY daily limit |
| $0 |
$0 |
| $2,500 |
$10,000 |
| $5,000 |
$20,000 |
| $10,000 |
$50,000 |
| $15,000 |
$100,000 |
| $25,000 |
$200,000 |
| Available balance |
Available balance |
These Pay Anyone and BPAY limits packages are pre-set pairs as outlined above. Different Pay Anyone and BPAY limits can not be selected separately. For example, $2,500 Pay Anyone and $50,000 BPAY limit is not a valid limit combination.
Do I need to enter the Biller Code every time I make a payment?
No. The "Frequent Biller" option enables you to update your own personalised biller list. Once you have created the Frequent Biller, every time you want to pay your bill, you only have to select the biller from the list and input the payment amount. Note: Some Billers operate with a variable Customer Reference Number (CRN), it is good practice to confirm the CRN on your bill for each payment.
What is the cut-off time for BPAY payments?
For a BPAY payment request the cut off time is 5:00 pm (AEST) on a business day. The following table will assist you to understand when your BPAY payment will be processed:
From Account
|
When was BPAY payment requested
|
Same day
|
Next business day
|
Credit Card or Account#
|
Before 5.00 pm (AEST) on a business day*
|
|
|
Credit Card or Account#
|
On a non-business day* or after 5.00 pm (AEST) on a business day
|
|
|
# Account means a Transaction Account, Savings Account, Investment Account, Loan Account, Line of Credit Account, Business Account, Cheque Account, or another non-credit card account.
* A business day is defined as any day on which Bank of Queensland head office is open for business that is also a day on which banks in Melbourne or Sydney are able to effect settlement through Reserve Bank of Australia.
How long does it take for a payment to reach the recipient?
If a bill payment is made before the cut off time (ie. 5 pm) on a business day, the Biller will usually receive the payment on the next business day. If a bill payment is made after this time or on a weekend, the Biller will usually receive the payment on the second business day after the payment was requested.
Can a payment be cancelled?
If you have scheduled your payment to occur on a date in the future it can be modified or cancelled anytime before the date scheduled. It cannot be modified or cancelled if the payment is scheduled to occur on the current date.
If a Biller is paid in error you can request an error correction by visiting a branch or by calling the Customer Contact Centre on 1300 55 72 72 7.00 am - 7.00 pm, Monday to Sunday. Note: a fee applies in relation to the error correction.
When I logout of Internet Banking, why does the session summary say I have deleted a payment when all I did was modify it?
When you modify a future dated Pay Anyone, Multi Payment or BPAY, Internet Banking internally deletes the payment and creates a new payment with the same details including the modification. This is the reason why your change is displayed as a deletion and creation.
Can I make a payment on a weekend?
Yes, please refer to What is the cut-off time for BPAY payments?
Can I schedule a BPAY payment for the future?
Yes. Internet Banking will enables you to perform a range of future dated and recurring payments and transfers, including BPAY payments.
Recurring payments can be scheduled weekly, fortnightly, monthly, quarterly, half yearly, annually, four weekly and two monthly.
When a scheduled payment is processed, you will be notified of the success or failure of the payment via secure mail as well as via your Internet email address. You can also subscribe to receive SMS alerts on your scheduled payments.
When does the money for a payment come out of my account?
Bank of Queensland will withdraw funds from your account on the date the payment is requested. If the payment is scheduled for the current date this wil occur immediately. If you have scheduled the payment to occur on a date in the future, funds will not be withdrawn until that date.
What is BPAY View?
BPAY View allows you to view bills from participating billers. These bills can be paid the same as the paper based version or directly from your account using BPAY.
Bank of Queensland customers can register to see bills from participating billers via BOQ Internet Banking. We will then advise you when you have received new bills which you can view and pay without the need to ever receive the paper bill.
If your question was not answered by this FAQ or you have other questions regarding our Internet Banking, please contact our Customer Contact Centre on 1300 55 72 72 (+617 3336 2420 if you are calling from outside Australia) or send us a email.
Products issued by Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.