Beyond Bank partners with the Community Business Bureau (CBB) to provide specialised salary packaging cards. These debit cards allow employees of eligible organisations to pay for everyday living expenses or meal entertainment using pre-tax income, which helps reduce overall taxable salary and may increase your take-home pay.
Unlike standard transaction cards, these products are subject to government regulations and specific ATO guidelines. They function as Visa debit cards, meaning they can be used wherever Visa is accepted, provided the expenditure aligns with the approved purpose of the card (e.g., general living expenses or dining and accommodation).
Salary Packaging Card Overview
| Category | Details |
|---|---|
| Available Methods | Beyond Bank Mobile App or Internet Banking |
| Processing Time | Balances update upon deposit; card issuance takes 10–12 business days |
| Eligibility | Employees of eligible CBB-partnered organisations |
| Key Requirements | Registration via CBB followed by Beyond Bank member application |
Troubleshooting
1. MFA or Login Verification Issues
- Cause: If you cannot access your card details, your registered contact details may be outdated, causing verification code failures.
- Simple Fix: Confirm your mobile number is current within your Beyond Bank internet banking profile.
- Fallback Action: Call Beyond Bank support on 13 25 85 to update your information or verify your identity.
2. Browser or App Access Errors
- Cause: Outdated app versions or cached browser data often cause technical glitches during login attempts.
- Simple Fix: Update your mobile app via the App Store or Google Play Store, or clear your browser's cookies and cache.
- Fallback Action: Access your account through a different device or contact technical support for digital access assistance.
3. Transaction Declines
- Cause: These cards have specific ATO-mandated restrictions (e.g., no cash withdrawals or BPAY).
- Simple Fix: Ensure the merchant accepts Visa and that the purchase aligns with your card's category (living expenses vs. meal entertainment).
- Fallback Action: If the purchase is permitted but still fails, contact CBB to confirm your current annual package limit.
Pro-Tip: Set up push notifications in the Beyond Bank mobile app for your salary packaging card. This allows you to track your pre-tax spending in real time and monitor when your employer deposits funds, helping you stay within your annual tax-free limits.
Frequently Asked Questions
Can I withdraw cash from my salary packaging card?
No, you cannot withdraw cash from these cards at an ATM or via point-of-sale cash-out. Because these funds are pre-tax under ATO legislation, cash withdrawals are strictly restricted to ensure the funds are used only for approved expenses. If you attempt an ATM withdrawal, the transaction will be automatically declined. Always use the card for direct payments at merchants where Visa is accepted.
Do my salary packaging funds expire?
Yes, any unspent funds on your salary packaging card typically expire at the end of the FBT year (31 March). This is a core requirement of the ATO salary packaging regulations to ensure the benefit is used within the designated period. Your actionable next step is to log into your account via the Beyond Bank app regularly to monitor your balance and ensure you utilize your full allocated amount before the annual deadline.
Why was my card declined at a retailer?
Declines usually happen because the card is either being used for a restricted service (like BPAY or cash-out) or the merchant's category does not match the card type (e.g., using a Meal Entertainment card at a grocery store). Check that you are using the correct card for the correct expense type. If you are certain the purchase is valid, your next step is to call CBB to ensure your packaging account is in good standing.
