Welcome to Bett3r

Bett3r is a bank account that helps manage your income, bills and savings in real time on your smartphone.

Before we get started

Bett3r will help move your money between three linked accounts to cover your bills, make sure you’re on track to help you achieve savings goals and have leftover money to spend.
Pay account

1. Pay account

Pay is where you add an income, bills and select a cycle. We'll explain what this all means as we go through each of these.


Tell Bett3r about any weekly, fortnightly or monthly income so it can help you cover your bills and reach your saving goals. Tip: Give the exact day your income will be received to ensure bills are covered.


One of the reasons Bett3r is smart, is it can manage your money on a weekly, fortnightly or monthly cycle.


Bett3r can help make sure you don't miss any payments by asking you to setup some bills. You can pay using Transfers and BPAY or Direct Debits. It also has a set money aside function for any bills you want to pay in cash or card. Plus, if you have an AMP home loan, Bett3r automatically creates the repayments for you.
Save account

2. Save account

Bett3r helps you save for a specific goal or just for a rainy day.
Spend account

3. Spend account

After your bills are covered and money has been put aside for your goals, whatever's left goes into Spend. Tip: Bett3r will move money across to Pay, if you don’t have enough to cover the bills you have setup.
Additional Tips

Don't panic

Your Bett3r account might be off track. You may need to wait until your first income arrives to make sure there is enough money to cover your bills. But don't panic, once you're in a full cycle, Bett3r will get you back on track - and help keep you there.

Explore Bett3r

You can keep adding more information to Bett3r using the transfer, add and manage buttons on the home screen.