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.

To complete online business payments, you’ll need:

• An eligible business account
• A Security Token
• APCA Credit ID

To apply for an APCA ID, please contact us or visit your nearest Suncorp Bank branch.

An Australian Banking Association (ABA) file is a standard of file used by Australian Banks to make multiple payments for uploading data to Internet Banking systems.

If you want to upload business payment transactions, you’ll need an accounting package or software that can export in the ABA format.

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 easily schedule bulk payments from Internet Banking.

You can either load a saved template or create a new one.  To create a new template, follow these steps:

• Select the APCA ID you want to use for the payment. If you don’t have an APCA ID, learn how to apply for one.
• To add a new payment, click “Add Payment”
• To edit any existing payments in the table, simply click in the field you want to change and click “Save”.
• To sort a table column, click on the column heading eg. Account Name.
• To save the template only, click “Save Only”.  To proceed with payment, click “Next”.

Within the Business Payments Credit menu, follow these steps to access your saved template:

• Select ‘Saved Template’ to use or edit a previously saved payment template.
• Choose the saved template from the drop-down menu
• Click ‘Select’ to open the required template.
• Edit template by deleting recipients or amending account details and amount before submitting the payment.

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.

To apply for a Business Payments Credit APCA ID, please call 13 11 75 and a consultant will send you the application to be signed as per account operating instructions.

You will receive your APCA ID within 72 business hours of returning your signed Business Payments Credit application.

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 account or 14-digit card number. If you have a Telephone Access Code (TAC), you can enter that too.
• Press option 3, ‘Transfer money and BPAY’
• Press 3 again 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.

Increasing your daily limit to $10k, $20k or $50k

You can increase your daily limit to either $10k, $20k or $50k via Internet Banking. You’ll need a Security Token Code (also known as a Suncorp Bank Token, One Time Password or Verification Code) which you can generate using the Suncorp Bank Secured App  . 

• Learn more about the  Suncorp Bank Secured App 
• Download the Suncorp Bank Secured App via Google Play  or the App store 

Here’s how to increase your limit via Internet Banking:

• Select ‘Settings and Security’ in the menu
• If you haven’t already, generate your security token
• In the Security section within ‘Extra Security’ select the ‘Change’ link.
• Nominate your new daily limit in the drop-down selection
• Select the box that you have read and accept terms and conditions
• Click the ‘Submit’ button
• Click ‘Settings & Security’ in the left-hand menu and click ‘Change’ next to the daily limit amount.
• Select your new daily limit from the drop-down menu. If you can’t see different amounts in the drop-down menu, it may mean you haven’t registered for the Suncorp Bank Secured App.
• Open the Suncorp Bank Secured App to generate a new Security Token Code.
• Go back to Internet Banking, enter the newest Security Token Code and click ‘Submit’.
• Agree to the terms and conditions and your new daily limit will now be active until you change it or deregister from the Suncorp Bank Secured App.

Increasing your limit to $75k, $100k, $250k or $500k.

You can submit an application to increase your daily limit to $75k, $100k, $250k or $500k. Call us on 13 11 75, visit your local branch or contact your Relationship Manager to get started.

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)