Business Banking
Internet Banking FAQs

If you use Internet Banking you can view, print and download your transaction information.

To download or export transactions from Internet Banking:

• Log on to Internet Banking 
• Select Transaction History from the left-hand menu
• Select the account you wish to search, enter the period you wish to search, then click search
• Once your results are presented, click the 'Download Transactions' link.

You can save your results in CSV, OFX, QIF and ASCII formats to match your accounting software preferences.

With Suncorp Bank’s Business Payments Credit solution, you can automate the process of manual bank transfers to employees, creditors and suppliers. Business Payments Credits enable you to schedule bulk payments from Internet Banking.

To use our Business Payments Credit solution you’ll need: 

1. An eligible Business account: 

• Everyday Business Account 
• Business Premium Account 
• Business Investment Account 
• Business Management Account 
• Revolving Credit Account/Finance Pak facility 
• Business Line of Credit 
• Real Estate Trust Account 
• Solicitors Trust Account 

You'll also need to have the appropriate relationships for you to setup and/or approve Business Payments.  

2. A Security Token 

To use Business Payments Credit, you’ll need to input a Security Token Code. A Security Token will be required for each person that will be setting up and approving business payments (if required). 

Business users can apply for a Security Token via Internet Banking. 

3. An APCA Credit ID 

To perform Business Payments, you'll need an Australian Payments Clearing Association (APCA) ID. If you’re making business payments credits from different businesses such as ABC Pty Ltd and XYZ Pty Ltd, you’ll need to apply for an APCA ID for each business. 

To apply for an APCA Credit ID, call us on 13 11 75 or visit your local branch.

1. Log into Internet Banking and click ‘Business Payments Credit’ from the left-hand menu.  
2. Under Set Up New Business Payment, select ‘Manual Entry’. 
3. Select the APCA ID you wish to use for this payment from the drop-down. 
4. Click the ‘Add Payment’ button and enter the payment details into the pop-up, ensuring that the BSB and account number are correct before clicking ‘Submit’. 
5. All transactions will appear in the table. You can move between pages using the page selector at the bottom of the table and the total value of the Business Payment will be displayed in the bottom right. 

Once you’ve added all your transactions, you can either submit the payment immediately or save as a template.  

Submitting a Business Payment 

1. From the manual entry screen click ‘Next’ to view the Business Payment Options. 
2. Choose the account you wish to use for the business payment from the drop-down and enter a payment reference – this will appear on your statement and transaction history.  
3. Select the timing of the Business Payment. You can either submit it immediately or future date the payment up to 120 days. 
4. If you want to save the payment as a template, select ‘Yes - save as a new template’ and give the template a name, otherwise select ‘No – do not save’. 
5. Click ‘Next’ to confirm the Business Payment options.  
6. Enter your Security Token Code to verify the payment and click ‘Confirm’. 

Your payment will now either be submitted for processing, or sent to Payments Awaiting Approval, in which case another signatory will need to approve the payment. An email and secure message will be sent. 

Save the Business Payment as a template 

1. If you only wish to save your entered transactions as a template and not submit them, click ‘Save Only’.  
2. Nominate an account to link with the template, then enter a name for the template and click ‘Save’. 

You can save a maximum of 25 templates for each Business Account, with each template holding a maximum of 1,000 transactions. 

1. Log into Internet Banking and click ‘Business Payments Credit’ from the left-hand menu. 
2. Under Set Up New Business Payment, select ‘Saved Template’ then choose the account linked to the template you wish to use.
3. A list of saved templates will appear. Select the one you want to use.
4. You can edit existing transactions or add new payments as required, then save the changes you’ve made to the template, or submit the Business Payment as normal.

An Australian Banking Association (ABA) file is a standardised format used by Australian Banks to process multiple payments via Internet Banking systems. To create an ABA file you’ll need an accounting package or software that can export in the ABA format.

To create a Business Payment Credit from an ABA file:

1. Log into Internet Banking and click ‘Business Payments Credit’ from the left-hand menu. 
2. Under Set Up New Business Payment, click ‘Upload Payment File’ and select the ABA file from your computer, then click ‘Next’.
3. You will now see the Business Payment options screen. The APCA ID to be used and total Business Payment amount will be displayed.
4. Follow the prompts as normal to submit the Business Payment.

1. Log into Internet Banking and click ‘Business Payments Credit’ from the left-hand menu. 
2. Under Maintain Business Payments, click ‘Business Payment Templates’ and select the account linked to the template you wish to delete.
3. A list of saved templates will appear. Click ‘Delete’ to remove a template from the list. 

If a Business Payment has been setup and requires further approval, it will go into an Awaiting Approval status. When you log into Internet Banking, you’ll see a symbol to alert you of payments you need to approve.

To approve a Business Payment in Internet Banking: 

1. Log in and click ‘Business Payments Credit’ from the left-hand menu. 
2. Payments requiring approval will be listed under the Payments Awaiting Approval section. Select the payment you want to approve. 
3. Confirm the details of the business payment are correct, enter your Security Token Code and click ‘Approve’ to submit the payment.

To cancel a Business Payment in Internet Banking: 

1. Log in and click ‘Business Payments Credit’ from the left-hand menu. 
2. Payments requiring approval will be listed under the Payments Awaiting Approval section. Select the payment you want to cancel and click ‘Delete’. 

To cancel a future dated Business Payment Credit in Internet Banking:

1. Log in and click ‘Business Payments Credit’ from the left-hand menu. 
2. Future dated payments will be listed under the Future Dated Payments section. Select the payment you want to cancel and click ‘Delete’.

No, Business Payments Credits process ABA files using the Bulk Electronic Clearing System (BECS).

Business Payments Credit process on business days only.

Business Payments Credit files are processed overnight when submitted prior to the cut-off time of 5.30pm AEST.

1. Log into Internet Banking and click ‘Business Payments Credit’ from the left-hand menu. 
2. Under Maintain Business Payments, click ‘Business Payment History’.
3. Select the account and the period you want to view. You can also search for a specific Business Payment reference, or by value ranges. 
4. Click ‘Search’ to generate a list of matching Business Payment Credits and click ‘Select’ to view the details of a specific Business Payment Credit. 

Header record not found 
The file does not contain a header record (usually a 0 record). This record is situated at the top of the file and contains titles such as date, amount etc. 

Record is not in correct format 
The record on this line is in a format that cannot be recognised. You may need to check the fields to ensure they are correct.

Unexpected record 
The record on this line is an incorrect type of record. The order of the fields in this record may be incorrect.

Invalid transaction type 
The record on this line is an invalid transaction type. Suncorp Bank does not allow the following transaction types:

• Australian Govt Security Interest (51) 
• Family Payments (52)
• Pensions (54) 
• Debenture/Note Interest (57)

More than one balancing transaction in file 
The file contains more than one balancing transaction. These transactions are identified as the following transaction codes:

• Business Payments Credit - 13  
• Business Payments Debit - 50   

Suncorp Bank will only accept files with one of these transactions.  

Invalid characters 
This field for the record on this line has invalid characters. This field should contain the following characters only: A-Z, a-z, 0-9 and space, full stop and the following characters:  < > ( ) + ? & ! $ * ; : _ - / \ % , # @ ' " = ~ ` 

Total record does not balance with transactions 
The footer record (7) is showing that the balancing record is not equal to the sum of all the transactions. Please check all values again. 

Total record not found 
There is no footer record containing totals in this file. You will need to include a footer record before this file can be processed. 

More than one batch in file 
This file contains more than one batch of transactions. To proceed you will need to ensure that there is only one batch. 

Direct debit file transaction limit exceeded 
The record on this line has a transaction amount that is greater than your transaction limit. You will need to edit or remove this transaction to proceed. 

Direct debit file limit exceeded 
The file amount is greater than your file limit. To proceed you will need to reduce the file amount below your file limit by removing some transactions or processing two files. 

Maximum direct debit period limit exceeded 
Processing this file will mean that you will exceed your period limit. You can check what period limit you have remaining in Internet Banking. 

APCA ID invalid 
The APCA ID in the file does not match that allocated.  

File date greater than 120 days in the future 
The date on this file is greater than 120 days in the future. To process this file you will need to make the processing date earlier. 

BSB number not valid 
The BSB for the record on this line is not valid. If you believe that it is valid please contact us on 13 11 75. 

You are not authorised to use APCA ID 
You are not permitted to submit files under this APCA ID. If you believe that you should be please contact us on 13 11 75. 

More than one trace account 
You may only have one trace account for all transactions in a file. You will need to edit the file. 

Trace account not at Suncorp Bank 
The trace account specified in the file must be a Suncorp Bank Account. You will need to input a Suncorp Bank account as the trace account to continue. 

File Date in the past 
The processing date in the file is in the past. This file can still be processed and this warning is to allow you to check that you have submitted the correct file. 

Suncorp Bank Account Number Invalid 
The record on this line has an invalid Suncorp Bank account number. The file can still be submitted but the transaction will reject back to your account.

It’s easy to pay bills using BPAY via Internet Banking, the Suncorp Bank App and Phone Banking.

Learn more

BPAY payments to the ATO are excluded from your daily or account limit. You can make an unlimited payment to the ATO with your available funds via BPAY.

You can pay your tax payment by following BPAY instructions using Internet Banking, the Suncorp Bank App and Phone Banking using the following business banking accounts:

• Business Premium Account
• Business Saver Account

To pay via Internet Banking and the Suncorp Bank App:

• Find the BPAY Biller and reference code, located next to the BPAY logo on your bill.
• Log in to your account and select the BPAY or bill payment option. Follow the prompts, using the reference and biller code on your bill to pay.

To pay via Phone Banking:

• Call 13 11 25 and enter your 9 digit account number. If you have a Telephone Access Code (TAC), you can enter that too.
• Press option 3, ‘Transfer money and BPAY’
• Press 2 for BPAY option and follow the prompts. Make sure you have your BPAY biller and reference code (usually located next to BPAY logo on your bill) with you. 

It’s important to note that BPAY payments can take up to 3 days to process. Payments made after 6pm will be processed the following business day.

You can view and manage your BPAY Billers.  Making it easier to pay, schedule and amend future payments. 

How to add a BPAY Biller to your list:

• Select ‘BPAY – Pay Bills’ from the menu
• Select ‘Manage your frequent billers’
• Select ‘Add Biller’ icon
• Enter the Biller Code, Reference Number and Nickname (optional)
• Click ‘Save’

You can add new billers to your Frequent Biller List when you are paying a new Biller. Select ‘Save Biller to address book’ once you have entered the Biller Code and Reference Number.

How to modify an existing BPAY Biller on your list:

• Select ‘BPAY – Pay Bills’ from the menu
• Select ‘Manage your frequent billers’

Click on the ‘Edit’ or ‘Remove’ icon for the Biller you would like to modify.

For accounts that require two to sign, you can view pending BPAY payments that require approval.

When the first signatory has set up the BPAY and approved payment, the 2nd signatory can approve the payment for processing, following these steps:

• Select ‘BPAY – Pay Bills’ from the menu
• Select ‘BPAY awaiting approval’ and either approve or delete payment

Once payment has been approved you will receive payment confirmation.

You can edit a future BPAY payment from your future dated list.

• Select ‘BPAY – Pay Bills’ from the menu 
• Select the BPAY payment you would like to edit from your BPAY list
• Click ‘Edit’
• Update the details of your BPAY.  Note that the Biller Code and Customer Reference Number (CRN) can’t be edited.  For security reasons, you’ll need to delete and set up a new BPAY.
• Review your BPAY payment changes and click ‘Confirm’
• Your details will be saved, and a secure message of the changes will be sent to you for your records

For individual, eligible business accounts, account limits affect how much can be transferred out of the account daily.

Account limits can be any amount that is a multiple of $1,000.

The account limit is independent of your daily limit.  Transactions processed from the business account with an account limit will not affect your daily limit.

Account owners can set up or maintain account limits to eligible business accounts.

Applying an account limit to a specific account allows you to process larger transactions from a single account, whilst not exposing all your business and personal accounts to a large daily limit, increasing your risk.

Unlike your daily limit, account limits are used when a customer performs any form of transaction out of the account the limit is applied to.  This includes transfers to other accounts linked to your Internet Banking.

A Daily Limit is applied to all accounts linked to the Customer ID. Daily limits apply when you process external transfers, business payments, BPAY payments (except BPAY payments to the ATO) and transfers to another Suncorp Bank account not held in your name or business/company name.

Your daily limit will default to $5,000 for all external transfers performed via Internet Banking or via the Suncorp Bank App.

Learn how you can change your daily limit.

A personal limit can be applied to any eligible business account that also has an active account limit.

A personal limit is used to restrict how much of an overall account limit can be accessed by each individual.  It operates the same way as an account limit but restricts individuals with a Customer ID to a lower limit than the account limit.

Whilst a personal limit doesn’t need to be active for an account limit to be applied, an account limit must be present before a personal limit can be applied.

Account owners are able to set up or maintain personal limits to eligible business accounts that have an active account limit.

A personal limit can be any amount in $1,000 increments but must be equal or lower than the account limit.

If an individual has a personal limit on a particular business account, their transactions will be restricted to the personal limit, not the account limit.

If there is no personal limit in place, the account limit will restrict transaction amounts, not the daily limit.

If there is no account limit in place, the daily limit applies.

You can increase your daily limit up to $50,000 via Internet Banking. Find out how to increase your daily limit via Internet Banking.

You can request an increase to your daily limit up to $500,000 by visiting your local branch, contacting your Relationship Manager, or calling us.    

Note: Daily limit applies to all the accounts linked to customer ID on which you can perform debit transactions. A customer listed as account information only relationship, cannot perform the transaction. The relationships that can perform debit transactions on the accounts as below:

Signing Officers (SUO)

Trustees (TRT)

Owner (OWN)

Primary Owner (PRI)

Secondary Owner (SEC)

Signatory (SIG)