NPBS Banking vs Beyond Bank

Smart tech. serious capability. - Eligible new customers can now join and open an account directly in the app. - You can now complete your ID verification process in the app with just a quick selfie. Manage your money anywhere, anytime. - Open an account online in minutes - Know when you’re paid with push notifications - Check your accounts at a glance with Quick Balance - See where your money is going with our detailed transaction listing - Rename and reorder your accounts to suit your style - Easily view your statements and interest advice to make tax time a breeze - Ongoing accessibility enhancements for users with a vision impairment - Make payments in seconds using Osko® - Transfer between your accounts and make payments with BPAY® or Pay Anyone - Set up future dated or recurring payments - Upload your eligible cards to digital wallet and enjoy the convenience of Apple Pay™ - Create a PayID to make receiving money even easier - Manage your repayments for eligible home loans. Smarter tech. Safer you. - Scam awareness prompts for new payments - Disable access to your app and internet banking directly in the app if you suspect unusual activity. - Log on securely using your Face ID or passcode - Change your passcode - Manage your payment limits - Choose or change your card PIN - Report lost or stolen cards - Update your contact details - Manage your profile on other devices - Send and receive secure mail. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. PayID is a registered trademark of NPP Australia Limited. Apple, Apple Pay, Face ID and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. For a list of compatible Apple Pay devices, see Devices compatible with Apple Pay – Apple Support (AU). Cashcards and Business+ Credit Cards are not eligible for Apple Pay. Normal data, messaging and call charges apply. Account terms, conditions, fees, charges and credit criteria apply. This information has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on this information, you should consider its appropriateness having regard to these matters and the product Terms and Conditions, available on request from any branch, newcastlepermanent.com.au/terms, or by calling 13 19 87. Your use of the app is subject to your agreement with the Banking App Terms and End User Licence Agreement for Apple Devices. Important information about our accounts: - Smart Saver Accounts (including Under 25s): Standard interest is paid monthly on positive balances. Bonus interest is applied in tiers, meaning different rates apply to different portions of the balance. To receive bonus interest, you must grow your balance (excluding interest) over the month and make no more than 2 withdrawals within the month. No bonus interest is paid in the month the account is closed. Smart Saver Under 25s:All account holders must be under 25 years of age on the first day of the month to be eligible. - Online Savings Account: The Introductory Bonus Rate applies for the first 3 months from account opening, on top of the Standard Rate. After this period, the Standard Rate only applies. The Introductory Bonus Rate is available if no account owners have been eligible to receive the Introductory Bonus Rate on another Online Savings Account in the previous 6-months. To earn interest (including any Introductory Bonus Rate), all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent. - Term Deposit: 31 day notice period and interest rate reduction apply to early withdrawals from Term Deposits opened or last renewed on or after 23 February 2026. - Interest rates: Interest rates are subject to change without prior notice. You can see our current interest rates at newcastlepermanent.com.au/rates. ©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 | AFSL /Australian Credit Licence 238273

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