Your salary packaging is just the beginning.
As a salary packaging member, you’re more than just a cardholder – you’re part of the Beyond Bank community. That means you can access our full range of banking products and exclusive offers, including discounted rates and waived fees on personal and car loans, plus bonus interest on selected term deposits. It’s all part of how we go beyond to support your financial wellbeing.
Your benefits.
Access to tax-free funds.
Discounted products.
Spend your funds wherever, whenever.
Free personalised banking reviews.
Explore more with Beyond Bank.
As a Beyond Bank member, you’ll have access to a range of exclusive offers – from flexible home loans tailored to every life stage, to bonus rates on term deposits.
Open a fee-free transaction account within minutes.
Everyone hates fees. Keep your cash for the good stuff with $0 monthly fees, $0 fees for card purchases in Australia, and $0 direct debit, BPAY and branch transactions.
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Save on fee-free car loans when you’re looking for your dream car.
Wherever you are in your car buying journey, we’re here to help.
Learn more
Looking for a home loan or a better rate?
Connect with a Beyond Bank Lending Specialist for personalised support throughout your home buying, refinancing, or investing journey.
Book an appointment
Personalised banking support, just for you.
As a salary packaging member, you can access personalised guidance to help structure your banking and make the most of your money. We’re here to help you:
- create strategies to save more or pay off larger loans
- budget or set up a savings plan
- ensure that you are protected from potential risks.
Choose your next step.
Why not start making the most of your benefits today? Apply now and we will reach out to you directly to discuss your options.
Open a fee-free transaction account.
Save for something special.
Take out a personal loan or purchase your dream car.
Apply for a home loan.
Salary Packaging FAQs.
There are several reasons why your card may be declined:
- Insufficient funds
- You have not activated your card
- The merchant channel has been blocked as it is not approved by your salary packaging provider
- The merchant has not been categorised correctly by their bank
- You are selecting the ‘SAV’ or ‘CHQ’ option rather than the ‘CR’ option.
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Depending on when your pay is processed by your employer and when your salary packaging provider processes the card payments, you may receive the funds overnight or on the following day.
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All enquiries regarding salary packaging arrangements need to be addressed to your employer/salary packaging provider. We work with a number of different salary packaging providers, see our partners.
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The exact process will vary between different providers and employers.
Some common example of what you may be able to expect:
- Your remaining balance may be returned to your employer to be paid to you through payroll.
- Your balance may be rolled over into the next salary packaging year.
- You may be exempt from FBT if your benefits are provided by a registered religious institution as a religious practitioner principally in recognition of your pastoral duties.
For the most accurate information on your personal situation and any impacts, we recommend speaking to your employer or your salary packaging provider.
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.