803 070 is the BSB number for BankWAW.

You can find your account number on your regular bank statements, in Internet Banking or in the Mobile Banking app.

1. Internet Banking: Go to 'Accounts', and then 'BSB information'. It will show your internal and external account number.
2. Mobile Banking: Go to 'Accounts' and select the account. Then tap the gold circle with coins at the top. A new screen will show you your account reference, which is your external account number.

You can also call our Contact Centre on 1300 368 555 or visit any Service Centre. Before we can give your account number we are required to identify you, so you will need to provide adequate identification. 

You will need to visit a Service Centre to change your name. Please note before we can change your address we are required to identify you, so you will need to provide adequate photographic identification. Please also bring any appropriate supporting documentation such as a marriage certificate with you.

To arrange electronic payments to or from your accounts, you will need to give these details to the organisation or financial institution making the transaction:

Financial institution: WAW Credit Union
BSB: 803 070
Account name: the name on your WAW Credit Union account
Account number: your WAW Credit Union account number

If you need more help, contact us on 1300 368 555

You can withdraw money at any ATMx for free. Other ATMs may charge a fee. Click here to find an atmx near you.

If you have forgotten your card PIN, you can reset it using the BankWAW app or Internet Banking. Tap on cards, and simply select the change pin option – that simple.

Alternatively, you can call our locally-based customer service team on 1300 368 555 or visit your nearest Service Centre and we can help.

If you're at a WAW Service Centre, our team will be able to help. Otherwise, you can 1300 368 555.

Please call our team on 1300 368 555 who will be able to help.

A direct charge fee is what an ATM owner charges a cardholder directly for using their ATMs. To avoid a direct charge fee, WAW customers are encouraged to use atmx. Our partnership means all transactions with atmx are fee-free.

You can see all the interest rates for our Transaction, Savings, Term Deposits, Personal Loans and Home Loans on our Interest Rate page. 

Want to access your Home Loan redraw facility online? Register for online redraw by completing the Online Redraw Form and returning it to your closest Service Centre. 

If you have lost a card it’s important to lock the card in the BankWAW Mobile Banking app (go to 'Cards' or 'Manage Cards') and get in touch with BankWAW.

Here are the important phone numbers for lost or stolen cards:

WAW VISA Debit cards (In Australia)
Ph: 1800 648 027

WAW VISA Debit cards (From Overseas)
Ph: +61 2 8299 9101

MyCard MasterCard:
Ph: 1300 135 538

MyCard MasterCard (From Overseas):
Ph: +61 2 8225 0620

When you order a card, we send a PIN notification in a separate letter. If you don’t know your PIN, call us on 1300 368 555 to order a new card and PIN.

Important:
Never give your PIN details to anyone.

There are several ways to activate your card:

1. Access Internet Banking and go to 'Accounts'. At the top, you will find an option 'Card Activation'.
2. Open the BankWAW Mobile Banking app on your phone. Tap 'Cards' on the main page, or select 'Manage Cards' from the menu. There you will find the option to activate your card.
3. Call us on 1300 368 555
4. Visit one of our service centres

The easiest way to change your PIN is in the Mobile Banking app. Go to 'Cards' from the main screen or to 'Manage Cards' from the menu. Beneath an image of the card is an option to 'Change PIN'. If you have more than one card, please ensure you change the PIN of the right card.

You can withdraw cash from a ATM or via EFTPOS with your purchase, or a WAW Service Centre. If withdrawing an amount over $3,000, please call ahead of visiting.

BankWAW customers have access to the entire atmx by Armaguard network Australia-wide.

You can also withdraw cash when you make a purchase via EFTPOS. Upon paying for your goods, ask if you can withdraw cash with your purchase. Select SAV on the POS terminal, enter your PIN and ensure the operator hands you your cash. Always check your receipt to ensure the correct amount of cash was added to the purchase.

Yes, our service centre is happy to help your business or club/association with change. A fee may apply.

We are sorry that you are no longer able to use the BankWAW chequing service.

We are sorry to say that since 15 November 2024 we are no longer able to accept cheque deposits.

We offer a wide range of payment options and our friendly staff would be pleased to help you find the best solution to meet your banking needs.  We understand the closure of the chequing services may present challenges and therefore invite you to speak to our BankWAW Team. If you have any questions please drop into your local Service Centre or call us on 1300 368 555.

What Should You Do If You Have A Complaint?

We offer customers and the general public access to an established complaints and dispute resolution system which focuses on dealing with issues efficiently, sympathetically and in a timely manner.
 

Internal Dispute Resolution Process

Complaints can be lodged either verbally or in writing to any BankWAW staff member or alternatively contact our Complaints Officer at:
PO Box 568, Wodonga 3689
Phone: 1300 368 555
Email: [email protected]

We provide specific information on our Internal Dispute Resolution procedures on in our Products and Services Terms and Conditions booklet which is also available at any of our Service Centres.

Download our Internal Dispute Resolutions Procedures Document.

External Dispute Resolution (EDR) Scheme

If you are not satisfied with the way in which we have resolved your complaint, or if we do not respond speedily, you may refer the complaint to an external and independent dispute resolution (EDR) scheme. Financial services EDR schemes are independent bodies with the power to investigate disputes against scheme members, and to make decisions that are binding on their members. The EDR scheme must act in a way that is fair to all the parties. The scheme is free to our customers.

BankWAW’s EDR Scheme: WAW Credit Union Co-operative subscribes to the Australian Financial Complaints Authority (AFCA) to provide our EDR scheme. AFCA can be contacted at:

GPO Box 3, Melbourne, 3001
Phone 1800 931 678
Fax 03 9613 6399
Email [email protected]
Website www.afca.org.au.

Confirmation of Payee is a new security feature that checks the account name, BSB and account number you enter against the details held by the recipient’s bank. It helps protect you from scams and mistaken payments by letting you know if the details match or not.

When you make a payment to a new BSB and account number, or update a saved payee, the service checks the details with the recipient’s bank. You will then see a result:

• Match – details entered match the recipient’s bank records.
• Close Match – details are similar but not exact.
• No Match – details don’t match.
• Error – the check couldn’t be completed.

This lets you decide whether to continue, double-check, or stop the payment.

Yes, but we encourage you to be cautious. A ‘No Match’ result means the details don’t match the recipient’s bank records, which could be a sign of a scam or a mistake. Always confirm details directly with the person or business before proceeding.

• If you receive money into a personal account, your account name will only be shown to the payer if the details they entered are a Match or Close Match.
• If you receive money into a business or government account, your account name may be shown regardless of the outcome.

The estate process can be complicated, time consuming and can vary depending on a number of factors. We will endeavor to support you through this difficult time.

As a first step, please contact us as soon as possible so we can act to keep your loved one’s funds safe. You can contact us on 1300 368 555 or visit your local branch.

You also need to:

• Consider if you need legal advice to obtain assistance to manage the Estate.
• Contact any other financial institution the deceased party banked with.
• Contact any other relevant parties, e.g. Centrelink, ATO, Telstra, etc.

The government’s Australian Death Notification Service allows you to notify relevant parties.

While the requirements may vary, you will usually need:

• Original or certified copy of the death certificate
• Original or certified copy of the will
• Invoices for payment or reimbursement for funeral expenses, or unpaid bills or expenses relating to the estate.
• If an Executor or Administrator has been appointed, we will need identity documentation for those persons.

Documents can be provided at a BankWAW branch or emailed to [email protected]

We can only provide account information or act on requests from authorised Estate representatives upon provision of identification documents.

For more information, you can contact us on 1300 368 555

At BankWAW, we understand that your needs can change over time. Whether you’re selling a property, refinancing to another lender, releasing a guarantor, or simply repaying your loan in full, our team is here to make the process simple, transparent and stress‑free. Home Loan Discharge Request

'Unlimited transactions' means there is no limit to your online, EFTPOS, or ATM transactions.

All our current fees and charges are listed on these documents:

Fees & Charges 
Loan Fees

Financial Abuse - Fact Sheet

We know bushfires place enormous emotional and financial strain on individuals, families and communities. Your wellbeing is our priority, and we are here to support you during this difficult time. Please visit our support page to see how we can help.

Financial difficulty can happen to anyone. We understand that there are times when it can be difficult to keep on top of your financial commitments. Job loss, relationship breakdown and illness are common events that can contribute to financial hardship.

Find out what to do if you are in financial hardship 

Manage your money and cards, set savings goals, check your balance, manage bills, schedule payments and check your online statements plus more, using BankWAW Internet Banking.

To register for internet banking, please call us on 1300 368 555.

Alternatively, you can download and complete a registration form, then return it to any Service Centre or via email.

Check out all the details about Internet Banking

Call us on 1300 368 555 and we can help you reset your Internet Banking password. 

BankWAW Internet Banking daily external transaction levels are restricted to $2000 per day. If you would like to request an increase or decrease to this daily maximum you need to complete an Increase/Decrease to Daily Limitrequest form and return to us via email on [email protected]. 

• Internal transfer (between customers) – unlimited up to the account balance.

• ​External transfers $2,000

• International transfers $1000

• Bpay unlimited up to the account balance (some Bpay billers may have a limit on the amount they can receive)

• ATM/EFTPOS Cash Withdrawal $1,000

• Paywave tap and go without PIN under $100

• Paywave (insert card, press ‘Savings’and use Pin) up to $1000

• Paywave (insert card, select Credit, and use PIN) – up to the balance of the account

 If you need to make a larger payment, please call us on 1300 368 555 during our business opening hours.

1. Register for Internet Banking (note if you’re registered for Internet banking, proceed to step 2): You are required to be registered for BankWAW Internet banking to set up your PAYID and/or send real time payments via OSKO. For more information click here.
2. Set up SMS OTP (note if you’re registered for SMS OTP, proceed to step 3): Go to 'Settings'/'Set Up Security' in the main menu of your Internet banking session. Select the ‘request’ button, and confirm by selecting ‘Request’ again. Finally, enter your BankWAW Internet banking password in the field showing on this screen (no need to wait for a code to continue).
3. Register for PayID: Go to 'Settings' in the main menu and select 'Manage PayID'. Create your PayID against your desired BankWAW account, using either an email address or mobile number. Save your Pay ID.
4. Complete Activation: For enhanced security, once you have completed these steps and registered for PayID/OSKO, we ask that you call us on 1300 368 555 to complete activation of the service.

All the information about international money transfers, including how to send money and how to receive money can be viewed here.

Powers of Attorney - Fact Sheet

Following the Reserve Bank of Australia’s decision on Tuesday, 5 May to increase the official cash rate by 0.25%, BankWAW will be increasing our variable home loan interest rates in the coming weeks. As part of this process, we are also finalising updated interest rates applicable to new borrowers in week ahead.

We’ll be in touch directly with affected customers ahead of these changes to explain what this means for you and when the new rate will take effect.

We understand that rising interest rates can place added pressure on household budgets, and we want our customers to know that we remain accessible, approachable, and here to help. To ensure we stand behind these commitments, BankWAW will defer the effective date of any new rates impacting existing borrowers for approximately six weeks – providing time to adjust payments and directly saving our borrowers money. We’re particularly proud to take these actions given all major banks are passing on the increases within 7-14 days.

If you’re feeling the impact, we encourage you to reach out to our team. We can work with you to complete a home loan audit, review your repayments, or explore options that may help ease the financial burden.

There is also some positive news for savers. In line with the cash rate increase, BankWAW will be increasing interest rates on savings and term deposit accounts, helping customers earn more from their deposits.

As a customer‑owned bank, these decisions are made with our members front of mind. While we are adjusting rates in line with broader market movements and competitor pricing, we’re proud to continue offering some of the most competitive variable home loan rates available. Importantly, we remain committed to keeping our promise to support and give back to our local communities, even through the toughest of times.

If you have any questions or would like a personalised review of your banking, our friendly local team is always ready to help—please don’t hesitate to get in touch.

We are here to help

HARDSHIP ASSISTANCE

https://www.bankwaw.com.au/Support/Hardship-Assistance

FIND THE BEST LOAN

https://www.bankwaw.com.au/Loan

GET IN TOUCH

https://www.bankwaw.com.au/About-Us/Contact#centres

Visit our page Say no to Scams with some helpful tips on how to recognize and stop scammers

No. Do not click the link and delete the message. We will never send you a link asking for banking information or a link to log in to internet banking.

You can lock your BankWAW Visa debit card by using the toggle button in the Cards section on our App. We don’t currently offer a button to lock your account, however, in an emergency, attempting to sign into your account four times using an incorrect password will block access to it.

Call our Contact Centre on 1300 368 555 or +61 2 6022 8444 from overseas, email [email protected], or visit your nearest service centre immediately. We may be able to stop a transfer, trace your money, or help you get your money back.

When we call you, we will ask a series of security questions to identify you and clearly tell you why we are calling.

We will never ask you for security codes or access to your computer or phone. Someone who does is a scammer and you should hang up. When in doubt, hang up and call us on 1300 368 555.

You can (temporarily) block your card through our mobile app to make sure no one can use your card. You can also use the app or call us to replace your card when you are certain you've lost it, or someone has stolen it.

BankWAW may send SMS codes when:

• You sign into internet banking or complete a transaction through it
• You redraw funds from your loan online
• You make a payment online using your Visa card and the merchant requests verification of the transaction through Visa Secure
• You load your card into a digital wallet, such as Apple Pay, Google Pay or Samsung Pay

Please read the SMS message carefully and consider whether you’ve attempted to carry out one of these actions in the last few minutes.  If you remain concerned, please contact us at the earliest opportunity.

Albury, Corryong, Lavington, Wodonga, Wangaratta, Myrtleford & Beechworth – Monday to Friday 9.00am to 5.00pm.
  
Chiltern & Yackandandah – Monday to Friday 9.00am to 5.00pm (closed 12.30 to 1.30 for lunch each day).
 
Tallangatta – Monday to Thursday 12.30pm to 5.00pm, Friday 9.30am to 5.00pm (closed Friday 1.30 to 2.30pm for lunch).
 
Walla Walla -  Monday to Thursday 12.30pm to 4.30pm, Friday 11.30am to 5.00pm (closed Friday 12.30 to 1.30 for lunch).
 
Walwa – Thursday 2.00pm to 5.00pm.  

Find the location of your closest Service Centre  

You can find your nearest service centre on the map or on the list of our service centres.

Fill out the online application for an Everyday Transact account. Or pop into one of our Service Centres and we’ll be able to open an account, get you set up with Internet Banking and the App, chat about loans or help with anything banking related.

Here are just a few reasons why you should consider becoming a customer:  

• We’re a customer-owned bank, when you open an account with us, you become a part owner

• We invest in our community, we are proud to have a goal to invest five percent of our net profit back into the community.

• We’re people, helping people. Our friendly and knowledgeable customer service teams love helping our customers, and we’re good at it.

• Environmentally responsible. We’re green-minded and proud of it. We support local initiatives to re-vegetate our local environment.

• Our competitive rates means that we do loans well. Home loans, personal loans, or even a loan for solar panels.

• We may be small, but we are mighty. We offer a great range of banking products and all the usual trimmings of a Mobile App and Internet Banking.

You can use your Visa debit card overseas at any merchant or ATM that accepts Visa. You can also use it for online purchases and over the phone. However, be aware that card payments have a daily limit and that foreign transaction fees and ATM fees may apply.

If you are going overseas, please give us a call so we can make sure your card works where you are going.

We recommend the Cash Passport™ Platinum Mastercard® for overseas travel. It gives you access to eleven major currencies and you can lock in the exchange rate at the time of payment. You can also re-charge your card using BPAY® and manage your account online.

Importantly, your Cash Passport isn't linked to your bank account, so if it's stolen, financial details are never exposed. You also have access to 24/7 Global Emergency Assistance, so if you do lose your card overseas it can be quickly replaced for you.