A BSB (Bank-State-Branch) number is a six-digit number used to identify banks and branches across Australia. The number is used to facilitate correct payments to and from customer accounts, when used together with a customer’s account number.

As part of our commitment to deliver a better payments experience for you, we will be switching to a new banking provider. Unfortunately this means our previously issued BSB will need to change. 

We are upgrading our payments platform to provide you with a better experience. This upgrade will enable us to introduce new features, such as a digital wallet, and prepare us for future innovations, including PayID and PayTo payments.

With a PayID, customers can make payments using a unique identifier – like a mobile number or email – rather than a BSB and account number. PayTo is an alternative to direct debit payments which provides more visibility and control over recurring payments.   

Our new BSB number is already available (see above). You should start using your new BSB number as soon as possible. 

Your main priority is to update these details with any third party that pays you or debits your account. This includes your employer, any associated payee details you have setup with other banks, and any services you pay via direct debit like insurance or subscriptions. 

Customers need to transition to the new BSB number as soon as possible, before a deadline of 30 November 2025.

The change of BSB, if not acted on, will impact some customer transactions.

• All inbound payments (direct credits) made into an account by a third party, such as salary payments, Services Australia payments and investment dividends;
• All outbound payments, where you have authorised an external party, rather than us, to take a direct debit from your account (direct debits). 

If you are paid a salary, provide your employer your new BSB details as a priority. Other direct credits could include Medicare rebates, Department of Veterans’ Affairs or Centrelink payments, as well as rental income or dividends from investments.

Log in to internet access for a list of transactions we have identified as being impacted. 

Some companies and service providers (like your phone or electricity company) may not have yet updated their systems to recognise our new BSB. This means that when you try to set up a new direct debit, their system might mistakenly tell you that your BSB is "invalid". 

 We understand this is frustrating, and that it can be confusing to see an error like this. Please let us assure you that your new BSB and account details are correct, active, and secure. The issue isn't with your account. It's simply a delay in another company's system catching up to our update. 

 The good news is that you can solve this by speaking directly with the company you are trying to pay. When you speak with them you can say:  

 "Hi, I'm setting up a direct debit with my new bank details. My home loan lender has issued a new BSB number which your system doesn't seem to recognise yet. Could you please manually check and update my payment details to ensure my direct debit payments go through uninterrupted?" 

A number of payment types will not be impacted. These include Pay Anyone, BPAY, Redraws and loan or finance repayments set up inside a customer’s internet access account.

For example, direct debits set up with us to repay your loan or finance by debiting funds from an account with another financial institution will not be impacted. Likewise, any outbound direct credits you make to an external account will not be impacted. 

Third parties include any external organisation, institution or person making direct credits (moving money in) to your account, or moving money out via direct debits. This could include a bank, a streaming service, a real estate agent or even a family member or friend. 

Third parties require the correct BSB details to successfully process transactions to or from your account. Using an old BSB number will mean these become unsuccessful.

• Any inbound direct credit payment sent to the old BSB number after it is switched off will automatically be refunded to the sender.
• Any direct debits will be dishonoured/declined, and a third party may charge a dishonour or similar fee due to non-payment and/or direct debit dishonour. 

We are providing each customer with a personalised summary of the impacted transactions that we have identified, based on past account activity. Please note this list may not include all affected payments. The summary is available in internet access. Customers can view the summary by logging in to their internet access and navigating to the documents section. 

Yes, we have notified all parties associated with your loan, including guarantors, about the BSB change.

• Guarantors: While they are aware of the change, it is the primary borrower's responsibility to update payment details with third parties.  
• Power of Attorney (POA): We have notified your POA at their registered contact address. They are authorised to assist you with these changes.  
• SMSFs: We have notified the trustees of the SMSF. Note that new Visa Debit cards are not applicable for SMSF accounts.   

All SMSF members will be informed of the BSB change. Please coordinate among the SMSF members to update your BSB details 

Yes. We will be providing some standard forms and email templates to help customers more easily update third parties with their new details in common scenarios. These forms can be found under the ‘resources and tools’ section of this web page.

If you have been actively using your Visa Debit Card over the previous 18 months, you will be automatically issued a new Visa Debit card. Your existing Visa Debit card will continue to work as normal until you receive and activate your new card.  

We will send you a separate notification letting you know when to expect your new card. The daily transaction and withdrawal limits on your new card will be the same as your old card. If you wish to change them, you can do so via internet access or by contacting us. 

You will receive your new Visa Debit card in the mail from October 2025. We will send a separate notification to let you know when it is on the way so you can look out for it.   

Yes. Your new card will have a new card number, expiry date, and CVC security code. That means you will need to provide these new details to any service provider who regularly charges your card, such as for subscriptions, streaming services, loan repayments, insurance, or transport passes. 

Your existing Visa Debit card will continue to work as normal until you receive and activate your new card. For your security, you should destroy your old card as soon as you activate your new one. Your old card will be permanently deactivated either on the date you activate your new Visa Debit card or on 31 December 2025.

Your new card will need to be activated for security. You will also need to set a new PIN. 

1. Log in to your internet access or mobile access app.
2. Navigate to the 'Manage Debit Cards' section.
3. Select your new card and choose the 'Activate Card' option.
4. You will be prompted to set a new 4-digit PIN. Once confirmed, your card is ready to use.