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    Experience

    Knowing where your money goes is the first step in taking control of your finances and living your dream life.

      

    No currency conversion
    No currency conversion

    Shop overseas and online, with no nasty surprises

    What is it?

    With the AMP Bank GO debit Mastercard, your card works online and abroad just like it does at home. Spend and withdraw money overseas with no currency conversion fees.

    • Instant spending notifications – Know what you’re spending when you're spending it with real time notifications in both currencies, so you can shop online and overseas without any nasty surprises. * 

    • Fee-free spending – We offer Mastercard’s real exchange rate and don’t add anything on top, meaning you can shop online or overseas and withdraw cash abroad, all with no extra fees. *

     

    1. Use your AMP Bank GO debit Mastercard debit card whenever you head overseas or shop online
    2. Spend or withdraw cash and get instant notifications in both currencies. You’ll get Mastercard’s real currency conversion rate, and we won’t add anything on top*
    3. Then, once you’re home, keep using your card as you usually would

    •  

           

    Qantas plane tail
    Qantas plane tail

    Turn your everyday banking into Qantas Points

    You can earn 1 Qantas Point for every $10 on your average monthly balance in your transaction account. Just link your Everyday Account or Everyday Business Account in the AMP Bank app to start earning points. T&Cs apply. **

    1. Download or sign into AMP Bank GO
    2. ​Tap your profile (top right of screen)​
    3. Select "Qantas Frequent Flyer" or "Qantas Business Rewards” from menu​
    4. Add your Qantas Frequent Flyer number and link your accounts for Qantas Frequent Flyer. For Qantas Business Rewards, confirm your ABN matches your Qantas Business Rewards ABN and link your account.
    Apply now
    Log in to link now
    Organise your life with Spaces
    Organise your life with Spaces

    Organise your life with Spaces

    What is it?


    Think of Spaces as little pots within your account. You can sort your money, by giving your space a name, add a picture and set a saving goal. Whether it’s for GST, a company car, end-of-year staff party or just a rainy day, you can create Spaces for whatever you want.

    • Simple - Transfer money in and out of Spaces with a few taps without creating multiple accounts
    • Automatic - Using our Round Ups feature, you can round up your spending to the nearest dollar and send the spare change to your chosen Space
    • Personal - Make your Space truly yours by adding a name and a photo. It’s a great way to stay focused on your goals
    • Assemble - Arrange your Spaces in any order you prefer and get notified whenever there's a change in the balance.

    1. Tap 'Spaces' and then select 'New Space'
    2. Hit 'Space' and then give it a name
    3. Set a target amount, and add or withdraw money whenever you like
    4. Tap 'Manage' to change the name, add an image or start saving automatically with Round Ups

    Know where your money flows with Spend categories
    Know where your money flows with Spend categories

    Know where your money flows with Spend categories

    What is it?

    Keep an eye on spending across different categories. Discover trends with intuitive graphs that show you exactly where your money is going and what you’re spending.  

    • Get a detailed breakdown - We’ll show you who your top merchants are and how your outgoings vary month-to-month
    • Organise your expenses - With our user-friendly spending categories like “Marketing” and “Salary and wages,” you’ll always have a clear view of your finances.

    Simply switch between category or merchant to get the view you need. Need more details on a transaction? Just tap it.

    One account. Two lives. Zero fuss.
    One account. Two lives. Zero fuss.

    One account.
    Two lives. Zero fuss.

    What is it?


    A joint Everyday Account is a transaction account that allows you
    to manage your money together, track spending insights, and plan
    where your combined funds go, doing all this with another AMP Bank GO
    Everyday Account holder.

    Budgeting with Spaces - Use Spaces to effortlessly set and stay on track with shared goals, without the need for multiple accounts. No need for spreadsheets or complex budget calculations. Just set and forget.

    Earn Qantas Points - Now you can earn Qantas Points on your joint Everyday Account. Link both of your Qantas Frequent Flyer accounts to your joint Everyday Account to earn more points for shared fun.

    Spend together for total clarity - Know exactly who’s spent what and when, so you have greater control of your joint expenses, and greater transparency between you.

    1. You’ll both need an individual AMP Bank GO Everyday Account.
    2. Once both of your individual Everyday Accounts are open, tap the profile icon and select ‘Open a new account’.
    3. ‘Joint Account’, scan each other’s QR code to complete the account opening process... and your joint Everyday Account is good to GO.
    Turn spare change into savings with Round ups
    Turn spare change into savings with Round ups

    Turn spare change into savings with Round ups

    What is it?


    Round up your day-to-day spending to the nearest dollar and transfer the spare change into one of your Spaces. Spend $4.80 on a coffee? We’ll round it up to $5.00 and pop the 20 cents into your designated Space for you.

    Want to reach your savings easily in AMP Bank GO? Multiply your spare change by x2, x5 or x10 in your app.

    1. Head to ‘Spaces’ at the bottom right of AMP Bank GO.
    2. Create a new Space or choose an existing one.
    3. Click ‘Manage Space,’ then ‘Round Ups’ and switch the toggle on.

    Statments
    Statments

    Few taps to split your income into what matters most

    What is Split Payments?


    Split Payments does exactly what it says on the tin. You can instantly split incoming payments like your salary or income into your AMP Bank GO accounts or Spaces either as percentage splits or dollar amounts.

    • Split payments in seconds: It’s never been easier to split incoming money. Share it across as many Spaces or between your personal and business account in AMP Bank GO. All from one screen, done before your spreadsheet even loads
    • Build smart money habits: Split payments helps you control your spending. When you put money aside as it comes in, you avoid the urge to splurge
    • BAS-ready, stress-free: No matter how unpredictable your payday is, automatically set aside a percentage for GST, business expenses or rainy-day reserves like a boss. Stay in control, even when cashflow isn’t predictable. 
    1. Tap on the received payment. 
    2. Tap Split Payments. 
    3. Choose how you want to spit the payment – percentage or dollar amount.
    4. Choose where you want the money shared – across AMP Bank GO accounts or Spaces. 
    5. Review the split. Then pat yourself on the back; you’ve upped your money game.

    Security that never stands still

    Scammers are forever shifting tactics, so our security’s ever evolving. Always on, with eyes everywhere, it scans, alerts, and blocks threats in real-time before they hit. Explore our in-app security features, designed to protect you at every tap.
    Take me to the security hub
    Woman on her phone using Payto
    Woman on her phone using Payto

    Stay in control with PayTo

    What’s PayTo?

    PayTo is a new way to pay from your AMP Bank GO Everyday / Everyday Business account. It’s fast, safe, and puts you in control of your money. Use it for bills, subscriptions, or anything on repeat. You can set up payment agreements in seconds, approve payments before they leave your account, and pause or cancel payments in a tap. It’s the smart swap for old-school direct debits. No phone calls. No forms. Just tap and go.

    • You’re in charge
      Approve, stop, resume or change direct debit agreements in seconds – all from the app.  
    • Solid security
      Your payment details stay locked down inside your secure banking environment.
    • Change your mind, anytime
      Pause, tweak or cancel payments on your terms. No seeking permission from your bank.
    • Real-time payments
      Built on the Fast Payments system, payments clear instantly, so you won’t have to double check they’ve gone through.
    • Stay on top of payments
      Track and manage your bills, subscriptions and memberships in one place. No mystery charges, or mental checklists.
    1. Share your details
      Give your PayID or account info to the business you’re paying.
    2. Check the agreement
      You’ll get a PayTo agreement request in AMP Bank GO. Review it and tap to approve.
    3. Make a fast payment
      Money moves fast, straight from your account, just like you agreed.

    *PayTo is currently only available to AMP Bank GO customers. 

    Stay in charge with card controls
    Stay in charge with card controls

    Stay in charge with card controls

    What is it?

    Whether you’ve had your card stolen, simply misplaced it or want further controls around how you use your card. You can instantly lock, block or cancel your card all from within AMP Bank GO. Learn more about our security features.

    • Block online payments - Need to restrict online payments? This feature has got you covered. This includes any payments you’ve already authorised
    • Disable contactless payments - Stay one step ahead of card fraud by turning off contactless payments
    • Gambling block - You can block all card transactions to registered gambling merchants.

    Head over to card controls where you can easily toggle to enable or disable contactless and chip & PIN payments, ATM withdrawals, online payments, and mobile wallet. You can also freeze your card or activate the gambling block with just a tap.

    Video selfie
    Video selfie

    Stay safe with your face using Video selfie

    When you open a bank account with AMP Bank GO, we ask for a quick video selfie. This protects your account from the moment you open it, because we use it to confirm it’s really you - not someone using stolen ID details. It only takes seconds and is one of the safest ways to prevent scammers from impersonating you and stealing important bank info. Learn more about our security features.

    • Block identity fraud before it starts – Scammers can fake documents, but what about a moving face? A video selfie makes it harder for them to open an account in your name.
    • Protect your money – Stops criminals from creating fake accounts that could lead to stolen funds, fraud, or credit damage
    • Save time, stress and thousands in losses – Fixing identity theft can take hours (and cost you thousands). A few seconds now can save you a huge headache later.

    1. When you open your account, you’ll be prompted to take a short video selfie.
    2. Using encrypted storage and liveness detection, we confirm your identity securely.

    3. Your video is only used for onboarding and fraud protection. Never for anything else.

    Contactless payment limits
    Contactless payment limits

    Worry less with Numberless cards

    Pinching your card numbers is one of the easiest ways fraudsters can steal your money or identity. So we created numberless physical cards. They don’t show your card number, making it harder for fraudsters to get your details if your card is lost or stolen. Learn more about our security features.

    • Protect your card details from prying eyes – No numbers on your card means nothing for scammers to steal or snap a photo of
    • Keep your details off the dark web – Even if your card goes missing, your sensitive info stays secure and hidden
    • Get your card number when you need it - Just head to the ‘Cards’ tab in the app to access your card details securely. 

    1. Use your physical card for everyday purchases as usual.
    2. When you need your card number, open the AMP Bank GO app, go to the ‘Cards’ tab, and tap to see your card details securely.

    Hide balance screen
    Hide balance screen

    Keep your finances hidden with Hide your balance

    What is it? 

    Sometimes you need to check your bank balance when you’re out, or in places that are less than ideal, surrounded by strangers, friends or family. Whether it’s a large number or a small one, your balance is no one’s business but yours, which is why we’ve made it easy to keep it that way, with our hide your balance feature. Learn more about our security features.

    • Easy to see, quick to hide - Keep private information private without sacrificing convenience
    • Check your balance anywhere - Feel comfortable checking your balance wherever you are, on the bus or train, at a restaurant or at home
    • Being discreet has never been so discreet - It’s quick and easy to hide your balance and doing it is only as obvious as touching the screen.

    1. Tap and hold your finger over your balance in the phone to hide or unhide it.

    Bank calling
    Bank calling

    Take bank calls with confidence, knowing it’s actually us

    What is it?

    To reduce the anxiety associated with phone calls from the bank, we’ve made our app even smarter. Now, with the ‘Your bank is calling’ feature, we can help you verify whether the call you’ve received is actually from AMP Bank GO.  Learn more about our security features.

    • Take calls from the bank with confidence – Feel confident the person you're speaking to is the person they say they are and do what needs to be done over the phone
    • No more post “call from the bank” anxiety – Get on with your day after the call, instead of searching for clues as to whether the call was a scam or not
    • Stay safe, keep your funds and identity secure – Phone scams are a common scam. Your Bank is Calling makes them a lot less so.

    1. When you get a call from someone who says they’re from AMP Bank GO, you can use your app to help confirm.
    2. If the caller is from AMP Bank GO, we will display a simple 'Your bank is calling' message in the app.

    3. If not, it means the person calling isn’t who they say they are and could be a scammer.

    Insights

    AMP Bank GO keeps you moving forward, whatever direction suits you.

    AMP Spent messages at purchase
    AMP Spent messages at purchase

    Get updates in real-time

    What is it?

    Get notifications every time you’re paid or paying a bill so you can keep on top of the ins and outs of your money.

    • Peace of mind - Stay in the loop with instant notifications every time you make a purchase, a direct debit leaves your account, or your wages hit your account
    • Act - With instant notifications, you can be sure that all the money leaving your account is accurate and that you haven't been overcharged. And if you notice any unusual activity, you can quickly lock your card right in the app.

    No need to lift a finger. Every time you spend on your card or digital wallet, or receive a payment, we'll send a notification straight to your phone.

     

    Feeling overwhelmed? You can turn off alerts anytime with just a tap.

    Statments
    Statments

    Statements

    What are they?


    At AMP Bank GO, we prioritise your convenience, so we won’t send you paper statements. Instead, you can easily check your spending month-by-month or download custom statements with just a few taps in the app.

    • Customise a statement - Statements give you a clear view of what’s come in and what’s left your account each month. You can scroll back to the day you opened your account or download custom statements for any specific date range
    • Data to delight - Export your statements as CSV and use them with accounting software like Xero, or any spreadsheet software. It’s a handy feature, especially if you’re running your own business.

    1. Just tap the top right icon in the app to open the account menu
    2. Tap on ‘Statements’, then ‘Statement history’ and select your desired date range
    3. Choose the option to export in PDF or CSV

    Important information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517. This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice. 

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

    A target market determination for these products is available on our TMD page.

    For accounts with BSB number 939 900 and accessed via AMP Bank GO, Terms and Conditions apply and are available here.

    For accounts with BSB number 939 200 and accessed via the My AMP app, Terms and Conditions are available here.


    * We don’t charge fees to use ATMs overseas, however you may be charged a fee by international ATM operators.

    Qantas Frequent Flyer

    You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee usually applies. However, AMP Bank Limited has arranged for complimentary membership for new customers who join here . Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.

    Qantas Business Rewards

    Your Business must be a Qantas Business Rewards Member to earn and redeem Qantas Points for the business. Membership of Qantas Business Rewards and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. A joining fee usually applies. However, AMP Bank Limited has arranged for complimentary membership for new customers who join here. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Business Rewards Account within 30 days.

    **Earning Qantas Points

    You must link your Qantas Frequent Flyer account with the Everyday Account in AMP Bank GO to earn 1 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000 in balances. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your Transaction Account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.

    You must link the ABN associated with your Qantas Business Rewards Account with a matching ABN in your AMP Bank GO Everyday Business Account to earn 1 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000 in balances. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your Transaction Account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Business Rewards account within 30 days.

    1 Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.

    2 Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy, Classic Plus Flight Rewards in Economy and Premium Economy, eligible paid and confirmed Qantas domestic and international flights with a Qantas (QF) flight number on your ticket, and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are not available from all fare types. See tables for details. Classic Upgrade Rewards are subject to capacity controls and availability (which is limited). For more information, visit Classic Upgrade Rewards or see the Terms and Conditions.

    3 Qantas Frequent Flyer members can use Qantas Points when booking hotel accommodation through qantas.com/hotels or holiday packages through qantas.com/holidays, using Points Plus Pay. Members cannot use points for additional charges paid to the hotel for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Points Plus Pay allows you to choose the number of Qantas Points you use above the specified minimum level of 5,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. View full terms and conditions here.