# NICU smartPay > Mobile banking app for managing accounts, payments, savings, and cards. (iPhone/iPad app by Northern Inland Credit Union Limited.) - Source: https://appshunter.io/ios/app/nicu-smartpay/id990507455 (this page in markdown: same URL + `.md`) - Developer: [Northern Inland Credit Union Limited](https://appshunter.io/developer/990505804) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 13.0 · 106 MB - Released: 2016-04-06 - Data updated: 2026-06-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/nicu-smartpay/id990507455/reviews.md ## What is NICU smartPay? The app includes new features and functions, upgraded security and is simpler to navigate, easier to understand, and quicker to use. Its new design allows you to quickly see your account balance, make payments, set a savings goal and manage your card(s) directly from the home screen. Easy access to: • 'Quick Balance' to view your balances without logging in • Biometric authentication (fingerprint/facial recognition) and PIN, Password or pattern login options • SMS one-time password capability for added security • Transfer to other NICU Members instantly • Transfer funds to external bank accounts using 'Pay Anyone' and add new payees • Manage your PayID • Make BPAY® payments • Add, delete and modify scheduled payments • View pending transactions • How I Spend helps you view, track and manage expenses • Update your contact details • Manage your cards - activate, change PIN, temporarily lock or unlock, report a card lost or stolen • Easy access to 'interest earned' at tax time Things to Know • This app is for NICU Members only. • Mobile data downloading or internet usage charges may apply. • Whilst we make every effort, the NICU smartPay mobile app is not compatible with all devices and operating systems. ## Key features - Quick Balance view - Biometric and PIN login - Instant transfers to members - External bank transfers - BPAY payments - Expense tracking - Card management ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/nicu-smartpay/id990507455/reviews.md ### 3/5 — Bring back osko payments *2022-10-19, version 5.0.2* Osko payments no longer working at all. Makes it impossible to manage transfers. Ridiculous in the is day and age. ### 5/5 — nicu app *2022-10-07, version 5.0.2* Great update. ### 1/5 — Downgrade *2022-10-03, version 5.0.2* New update has removed previous features including Osko and PayID The app is no longer fast and accessible for inter-bank transfers meaning that payments now take longer than they did before. The fact that you have to completely reset as well is ridiculous. Hopefully these issues get fixed soon. Being an interstate customer also means I don’t have immediate access to branches. This update may be the final straw that pushes me to close my account with NICU ### 2/5 — . *2022-10-03, version 5.0.2* What happened to osko and pay ID ??? What if people don’t live in your suburb anymore and can only transfer! ### 2/5 — Passwords *2022-10-01, version 5.0.2* I can’t believe when you make an update to an app you sign people out. Then when the person has forgotten their password, they have to call the branch, but the branch is closed over weekends so now you can’t access any of your OWN accounts. Fix this bug. You should be able to reset password online. This is absolutely horrible. ## Frequently asked questions about NICU smartPay ### What is NICU smartPay? NICU smartPay is a mobile banking application designed for NICU Members. It allows users to manage their accounts, make payments, set savings goals, and control their cards directly from their mobile device. ### Is NICU smartPay secure? Yes, NICU smartPay offers upgraded security features including biometric authentication (fingerprint/facial recognition), PIN, password, pattern login options, and SMS one-time password capability for added protection. ### Can I view my balance without logging in to NICU smartPay? Yes, the 'Quick Balance' feature allows you to view your account balances without needing to log in to the app, providing quick access to your financial information. ### What types of payments can I make with NICU smartPay? You can make instant transfers to other NICU Members, transfer funds to external bank accounts using 'Pay Anyone', and make BPAY® payments. You can also manage scheduled payments. ### Does NICU smartPay have ads? NICU smartPay does not contain advertisements. The app is free to download and use, focusing on providing a seamless banking experience without interruptions. ### What devices are compatible with NICU smartPay? NICU smartPay is designed for iPhone, iPad, and iPod devices. While efforts are made for broad compatibility, it may not work with all devices and operating systems. ### How often is NICU smartPay updated? The latest version of NICU smartPay is 6.0.2, last updated on March 5, 2026. Updates typically include new features, security enhancements, and usability improvements. ### Where can I find information about interest earned for tax time in NICU smartPay? NICU smartPay provides easy access to your 'interest earned' information, which can be helpful for tax preparation. This information is readily available within the app. ## Version history (last 5 releases) ### 6.0.2 — 2026-03-05 Minor enhancements and bug fixes to improve overall performance ### 6.0.1 — 2025-12-19 Minor bug fixes and enhancements ### 6.0.0 — 2025-11-12 The NICU smartPay Mobile Banking app is simpler to navigate, easier to understand, and quicker to use. Its new design allows you to quickly see your account balance, make payments, set a savings goal and manage your card(s) directly from the home screen. New features include How I Spend and Secure Messaging. ### 5.0.6 — 2025-03-21 Bug fixes and performance enhancements for a smoother experience. New feature 'How I Spend', which allows users to track and analyze their spending habits over time across various categories like groceries, transport, and entertainment. Key functionalities include interactive charts for transaction visualization, summaries of average and total spending, the ability to edit and compare data over different periods, and the option to reassign transactions to improve accuracy and personalisation. ### 5.0.4 — 2024-11-15 Bug fixes and performance enhancements for a smoother experience. ## Apps similar to NICU smartPay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance | | [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance | | [BankVic app](https://appshunter.io/ios/app/bankvic-app/id819049375) | — | Free | Finance | | [Bank of us](https://appshunter.io/ios/app/bank-of-us/id956661435) | — | Free | Finance | | [Reliance Bank](https://appshunter.io/ios/app/reliance-bank/id1001371964) | — | Free | Finance | | [Auswide Bank](https://appshunter.io/ios/app/auswide-bank/id988675280) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-04.*