THE POWER OF OPTUS AND VISA IN YOUR MOBILE

Now you can Visa payWave with your mobile. Use the Cash by Optus™ app with one of our payment accessories or specially designed SIMs to pay for purchases with just the wave of your hand. How easy's that.

Just link the app to your bank account, and you can make payments up to $100 at a time wherever you see Visa payWave.

Interested? Well, as long as you've got an Optus mobile service, a compatible mobile and the app, you can get Cash by Optus. It's as simple as that.


CBO-Visa

THE POWER OF OPTUS AND VISA IN YOUR MOBILE

Now you can Visa payWave with your mobile. Use the Cash by Optus™ app with one of our payment accessories or specially designed SIMs to pay for purchases with just the wave of your hand. How easy's that.

Just link the app to your bank account, and you can make payments up to $100 at a time wherever you see Visa payWave.

Interested? Well, as long as you've got an Optus mobile service, a compatible mobile and the app, you get use Cash by Optus. It's as simple as that.

CBO-Visa

THE DUPLASS BROTHERS FOR CASH BY OPTUS

The Duplass Brothers: Part 1

Discover Cash by Optus with some fun by the Duplass Brothers

The Duplass Brothers: Part 2

Pressure and deadlines. Will The Duplass Brothers deliver?

The Duplass Brothers: Part 3

Drum roll… here's The Duplass Brothers ad for Cash By Optus!

Cash by Optus™ is issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984

want-10-bucks

GET CASH BY OPTUS

Let's check if you can get Cash by Optus™ in just few easy steps.

want-10-bucks

GET CASH BY OPTUS

Let's check if you can get Cash by Optus™ in just few easy steps.

*$10 Bonus is available to the first 20,000 customers who successfully register for the Cash by Optus facility before 30/4/17. Bonus will be loaded by the Issuer on behalf of Optus into each winner's Cash by Optus™ facility It is available only once per mobile service and is not transferrable. If the Cash by Optus™ facility is closed, or the Optus mobile service is cancelled within 3 months of registration of the Cash by Optus™ app, the full $10 gift will be forfeited at the time of facility closure. Optus reserves the right to not issue the bonus in case of dispute, fraud or non-compliant service or other reason. Promotion ends 30/04/17. Authorised under SA Permit No T16/460, NSW Permit No LTPS/16/02127. For full promotion terms, see the $10 Promotion section of this page.

HOW DOES CASH BY OPTUS™ WORK?




CONNECT WITH OPTUS

Choose an Optus prepaid or monthly mobile plan, and depending on your handset grab a Cash by Optus™ SIM, or a Cash by Optus™ payment accessory.

DOWNLOAD THE APP AND REGISTER

Download the Cash by Optus™ app and complete the registration process; you can then load up to $500, get access to real-time information and manage payment settings.

WAVE AND PAY!

Use Cash by Optus™ anywhere Visa payWave is accepted, and online or over the phone with the Virtual Visa debit card.

SMILE AND WAVE WITH CASH BY OPTUS™

We're always working on more ways to pay using Cash by Optus™.
What will you choose? We've got SIMs, payment bands or stickers - all ready for you to wave and pay fast.

Cash by Optus SIM

CASH BY OPTUS™ SIM

Eligible Optus mobile customers with an NFC-ready Android smartphone can take advantage of the Cash by Optus™ SIM.
Please note: if you choose the SIM option, you will not be able to also utilise the payment band or sticker.

Cash by Optus band

PAYMENT ACCESSORY - BAND

PayWave your way with the Cash by Optus™ payment band. With a wave of your wrist you're done – no pocket-rummaging, handbag-rustling counter anxiety required.

Cash by Optus sticker

CASH BY OPTUS™ NFC STICKER

Simply follow the instructions to attach a Cash by Optus™ sticker to the back of your smartphone and make it even smarter – you'll be ready to pay with Visa payWave.

 

Our payment accessories work using NFC (Near Field Communication) technology, turning your device (or wrist!) into a waving, paying, convenience machine.

 

Our payment accessories work using NFC (Near Field Communication) technology, turning your device (or wrist!) into a waving, paying, convenience machine.

FREQUENTLY ASKED QUESTIONS

Q: What is a Payment Accessory?
A:
A payment accessory is an Optus issued NFC-enabled device which can be used to enable you to make contactless payments. Payment accessories can be in the form of a sticker, band or other device that Optus may issue. You can use it to make contactless payments just as usual. Simply tap the payment accessory to complete the transaction. Cash by Optus NFC SIM and Payment Accessories remain property of Optus.

Q: What if I lose my Payment Accessory?
A:
You can lock your Payment Accessory within the Cash by Optus app, then unlock it within the app if you find the Payment Accessory. If you're unable to lock your Payment Accessory within the Cash by Optus App due to lost/stolen phone, you should call us on 133 937 to promptly report your phone as lost so we can suspend your Cash by Optus facility, as you may be liable for transactions made using your Cash by Optus™ facility prior to it being suspended by us.

Q: Do mobile phone accessories like covers and cases affect Cash by Optus™?
A:
It depends. For example, some phone covers or cases depending on the material and thickness of the material they are made from, may interfere with the proper functioning of the NFC SIM or sticker and so the cover or case may need to be removed in order for the SIM or sticker to work.

Q: Does Cash by Optus™ come with a PIN?
A:
No, it doesn't come with a PIN. This is why Cash by Optus™ can't be used for contactless transactions $100 and over or for transactions that require a PIN.

Q: What happens if I lose my phone?
A:
You should report your lost phones to Optus immediately by calling us on 133 937 so that we can suspend your Cash by Optus™ facility as soon as possible. It is important to promptly report your phone as lost as you may be liable for transactions made using your Cash by Optus™ facility prior to it being suspended by us.

Q: Who are Heritage Bank and who are the Cash by Optus Team?
A:
The Cash by Optus™ facility is issued by Heritage Bank Limited. The Cash by Optus Team includes a support team at Heritage Bank who are able to help out if for example, you need a passcode issued or you want to close your facility. They also assist with managing any disputed transactions.

Q: Does Cash by Optus™ work at all contactless terminals?
A:
Cash by Optus™ should work on most Australian contactless terminals. Just hold your phone or payment accessory over the payment terminal for around 3 seconds. The phone or payment accessory should be held within 4 centimetres of the contactless terminal to complete the payment.

Q: What if I change my mobile phone?
A:
We recommend you first check that your new phone is compatible with Cash by Optus™ in the Cash by Optus™ – Device Ready List. If your new phone is not on the list, Cash by Optus™ may not be available on your new phone.

Q: What if I need to replace my Cash by Optus™ SIM?
A:
You can order a replacement Cash by Optus SIM through the Settings tab in the app.

Q: What if I need to replace my Cash by Optus Payment Accessory?
A:
You can order a replacement Cash by Optus Payment Accessory through the Settings tab in the app.

Q: I'm having trouble linking my bank account to Cash by Optus™?
A:
It can take 1 to 2 business days for the link deposit, "CashByOptus LINK" to arrive in your bank account. If it doesn't arrive, check that you entered your bank BSB and account number correctly. You'll have to start the process again if these details are incorrect.
You can only link to Australian banks and most other Australian non-bank financial institutions. It will not work with foreign banks and accounts that don't allow direct debit payments.

Q: How can I access my transaction history and for how long?
A:
You can access your transaction history electronically via the Cash by OptusTM app. Your transaction history will be available via the app until the facility is closed.

Q: Can I print or email my transactions history?
A:
Sorry, you can't as there's no print feature within the app. But you could take a screenshot and email it to yourself and print it. As the Cash by Optus™ facility is designed for electronic use, you have agreed that notices, transaction information and communications related to the facility will be available electronically.

Q: What does it cost to use Cash by Optus™?
A:
There is no upfront charge for getting the Cash by Optus™ SIM, payment accessory or app (other than download fees). There are no additional standard monthly, transaction or load fees other than:

  • A foreign currency conversion fee of 3% of the foreign transaction amount.
  • An Inactive Card Fee, if you stop using Cash by Optus™ and don't close it. After 12 continuous months of not using Cash by Optus™, you'll incur a $1.95 per month fee until your balance is reduced to zero, and then your Cash by Optus™ facility will be closed.
  • A Disputed Transaction Fee, if you dispute a transaction which turns out to be valid. This fee is $10, which goes towards the costs of investigating the transaction.
  • Data usage costs for use of Cash by Optus™ as charged under your mobile service plan. If roaming overseas, data usage may be charged at a higher rate.

Q: How do I add a Payment Accessory?
A:
A payment accessory can be added by either using the QR code scanner built into the app or by manually entering the serial number of the payment accessory. There are simple instructions in the app to help you add and manage payment accessories.

Q: Can I have a NFC SIM and a sticker or band?
A:
Yes. You can have up to 4 Cash by Optus Payment Accessories per facility.

Q: Can I give my Payment Accessory to anyone else?
A:
No. Once a payment accessory is added to your Cash by Optus™ facility it is not transferable.

Q: Do I need ID to get Cash by Optus™?
A:
No. Just register using the app and provide some basic information so if we need to verify who you are, we can.

Q: Do I need to open a new bank account?
A:
No, you can link Cash™ by Optus to your existing bank account.

Q: How many mobile services can Cash by Optus™ link to?
A:
A mobile service can only have one Cash by Optus™ facility linked to it.

Q: How do I load money into Cash by Optus™ and how long does it take?
A:
You can manually or automatically recharge Cash by Optus™ via the app. This is a direct debit that pulls money from your bank account and depending on your bank this may take around 3 business days. It will take a few days for your money to arrive so if you set up an automatic recharge, you can always set an amount that's 3 or 4 times your daily spend so you don't get caught out without funds.
You can also load money from your bank account to your Cash by Optus™ facility using the Cash by Optus™ BSB and account number that we gave you when you registered. Use these details to load funds via the Pay Anyone feature in your existing bank's Internet Banking. This'll take around 1 business day (depending on your bank).

Q: Are there any limits on how much money I can load into my Cash by Optus™ facility at any one time?
A:
Yes, you can load up to $500 at any one time. Plus there are daily, monthly and annual limits. The maximum funds you can load in one day is $1000 (which relies on you first spending the initial $500 before the second $500 is loaded.) The maximum funds you can load in a month is $3000, and in a year is $36,000. Please refer to the Product Disclosure Statement for full details.

Q: Can I automatically top up my funds in Cash by Optus™?
A:
Yes, you can set up an automatic direct debit via the app. Remember it will take a few days for the funds to arrive so you can always set an amount that's 3 or 4 times your daily spend so you don't get caught out without funds.

Q: Do I need to open the app to make a contactless payment?
A:
No. If you are using a Cash by Optus SIM and you want to make contactless payments without opening the app, make sure "Open Cash by Optus to Pay” is set to OFF in My Accessories. This way, Cash by Optus™ will behave like a traditional card and always be available to make contactless payments whether the app is open or not, or generally even if you run out of battery.

Q: Can I use Cash by Optus™ to withdraw cash at ATMs?
A:
No, Cash by Optus™ doesn't allow for cash withdrawals at ATMs or at merchant EFTPOS facilities.

Q: Does the app need a passcode to open it?
A:
You don't need a passcode to open the Cash by Optus™ app, but some app functions such as changing your contact details and creating a direct debit do need a passcode that is set by you.

Q: Does the Cash by Optus™ SIM still do the things that a normal SIM does?
A:
Yes, as long as you are on an Optus mobile plan (postpaid or prepaid), your Cash by Optus™ SIM lets you do all the normal stuff like make voice calls, text, send MMS and use data.

Q: How do I close my Cash by Optus™?
A:
Just call the Cash by Optus team on 1800 034 904 and they will be happy to help you out and return the available balance.

Q: Can I get my remaining funds back if I close my Cash by Optus™?
A:
Yes, you can. Just call us on 1800 034 904 and we'll organise this for you.

Q: What happens to my funds if I just don't use my Cash by Optus™ facility?
A:
If your Cash by Optus™ facility is inactive for 12 consecutive months and you have funds loaded, you will be charged an inactive fee of $1.95 per month. Unless you start to use your Cash by Optus™ facility again, you will continue to be charged the inactive fee until the remaining funds are reduced to zero, when your Cash by Optus™ facility will be closed.

Q: Can I suspend my Cash by Optus™?
A:
You can turn off the payment function and automated loads at any time, but you can't actually suspend Cash by Optus™ unless your phone is lost or stolen. If you want to close your Cash by Optus™ facility, just call the Cash by Optus team on 1800 034 904 and they will be happy to help you out and return the available balance.

Q: What should I do if I think my transaction history is wrong?
A:
If you want to dispute a transaction, simply fill out the transaction dispute form and email a signed, scanned copy to cashbyoptus@heritage.com.au within 45 days of the date the disputed transaction was made. This form can be requested from within the app, in Dispute Transaction under Settings. The transaction dispute form will be emailed to you, so make sure your email address listed in the app is correct. If it turns out you made the disputed transaction, you will be charged a $10 processing fee, just to cover our expenses.

Cash by Optus™ is issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984 (Issuer).

Any advice contained in this document is provided by Optus Mobile Pty Limited ABN 65 054 365 696 as authorised representative of the Issuer. This information has been prepared without taking into account your objectives, financial situation or needs and so you should, before acting on the advice, consider the appropriateness of the advice having regard to your circumstances. You should also obtain and consider the Product Disclosure Statement for the Cash by Optus™ facility available in the Essential Info section of this site before making any decision in relation to the facility.

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