Your Banking vs Beyond Bank

Welcome to Your Banking, by Regional Australia Bank. We’ve designed the Your Banking App to make your life easier. Manage your finances on the go and stay on top of everything in a snap. And since its so easy to use, you won’t have any trouble using it daily. All the things you’d expect from our secure banking app • Check your balance and get a quick balance • Make fast instant payments or schedule them for the future • Save your regular payees and billers • Share or save your payment receipts • Personalise your accounts with nicknaming and reordering • Set up savings goals and track your progress • Manage your daily payment limits Log in effortlessly and securely • Choose from either PIN, pattern or Touch ID and Face ID to log in • See when you last logged in for peace of mind Make payments on the move • Transfer between your own accounts • Instantly transfer to any Australian bank account with Osko • Pay bills with BPAY payments • Use your saved payees and billers for secure and straightforward transfers • Schedule and manage recurring and future-dated payments • Transfer from your loan accounts using our redraw facilities • Approve payments from accounts that have multiple signatories Get all info on all your accounts • Use ‘Quick Balance’ to view your account balance without logging in • View your account details and transaction history • View interest rates for your Savings, Term Deposit and Loan accounts directly in the App • Share or save transaction receipts • Add and delete new payees and billers directly on your phone • View interest charged and earned during the financial year Manage your cards • Put a temporary lock on your lost or stolen card • Activate your new card • Add your card to Apple Wallet • Set a new PIN on your cards • Order replacement cards if your card gets damaged Manage your daily payment limits • View and increase your daily payment limits for each payment type directly in the App • Increase your limit when you need to make a larger payment, then lower it again once you’re done • Make changes anytime, without needing to call or visit a branch Need Help? • Take the inbuilt app tour and discover all you need to know • Request a call from one of our experienced staff • Easily contact us or view our branch details and opening hours • If you’re not already registered with Internet Banking, contact us at 132 067 today Facebook: www.facebook.com/RegionalAustraliaBank X: https://x.com/RegionalAusBank Email: enquiries@regionalaustraliabank.com.au We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

The official app of Beyond Bank Australia. Designed to help you manage your money easily and safely on the move from the palm of your hand. As one of the largest, 100% customer-owned mutual banks, we aim to simplify banking with our award-winning app, recognised by Canstar as Customer Owned Bank of the Year - Digital Banking, 12 years in a row. Experience the latest version of our mobile banking app. With our mobile banking app you can: Manage your money with ease. * View, create and schedule payments, open accounts, activate, cancel, order replacement cards, view your card details, and change your card PIN anytime. Increase and decrease your account transaction limits without needing to give us a call. Pay your way. * Create a PayID® using your email address or mobile number to send and receive money instantly. Block, allow, and restrict individual card functions, such as contactless transactions within Australia and internationally. Manage your PayTo® agreements and complete international transfers and payments from the palm of your hand. Access personalised features. * Use biometrics like Face ID and Touch ID/Fingerprint Unlock to log into the app securely. Personalise your dashboard. View your balance and transfer money between your accounts without needing to log into the app. Track your spending and be in control of your finances. * Use our spend tracker to track and compare your daily spending with previous months or use the search function to search transactions. Watch your money grow. * Enable the round2save feature on your account today, sit back, and watch your savings grow! Travel with peace of mind. * Notify us of your travel plans to improve your accounts' security while you are on the move. Things you should know: * You need to be registered for internet banking to use this Mobile app. * We do not charge a licence fee for the app. However, you may incur data charges from your mobile network provider for downloading the application onto your mobile service. Check with your relevant service provider for more details. Whilst we endeavour to, the app is not compatible with all mobile devices or operating systems. To enjoy fee-free mobile banking you must download our iPhone app. Fee-free banking applies to transactions conducted on accounts other than a Bonus Saver, Double Interest Saver or Christmas Club Account using iOS 15.0 or later. iPhone and iPad are trademarks of Apple Inc. registered in the U.S. and other countries. Some Mobile and Internet Banking transactions require you to register for Secure SMS or a security token. Terms, conditions, fees and charges apply. For full details please review our Financial Services Guide, Product Guide and Fees and Charges Guide available on our website at www.beyondbank.com.au/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/ Australian Credit Licence 237 856. © 2026. For more information: http://www.beyondbank.com.au/banking/bank-with-us/mobile-banking.html