24/7 access with your smartphone

Fast and easy banking on the go

Do your banking from your smartphone securely with 24/7 access. Transfer money securely, check transaction history and view account balances on the go.

Bank the smart way

  • 'Quick Balance' to view your balances without logging in
  • Biometric authentication (fingerprint/facial recognition) and PIN or pattern login options
  • Transfer to other NICU Members instantly
  • Transfer funds to external bank accounts using 'Pay Anyone' and add new payees
  • Make BPAY® payments
  • Add, delete and modify scheduled payments
  • View pending transactions
  • Manage your PayID
  • Update your contact details
  • Easy access to 'interest earned' at tax time
  • SMS one-time password capability for added security
  • Manage your cards - activate, change PIN, temporarily lock or unlock, report a card lost or stolen
    • Google Play Store button

      Apple Pay button

Secure access

Your login details are kept securely behind the login screen. Always login directly through the app. Do not share your password with anyone, including Northern Inland staff.

We implement 24/7 security measures and regularly update our Members about smart ways to keep their accounts safe

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SmartPay App FAQs

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The app allows you to complete your everyday essential banking functions on your mobile phone. You can view your accounts and check account balances; transfer funds between your own accounts, utilise pay anyone functionality and pay bills via bpay, including setting up new billers. The app also has a branch locator, as well as card functions that allow you to change the pin on any of your cards, or report them lost or stolen.

You will need to be registered for online banking before being able to use the app. You will need to know your member number as well as your online banking password. If you have not registered for online banking, contact us on 02 6763 5111 or apply here. Please note: if you have never accessed online banking before you must first login on your computer to set-up your online banking password before accessing the app.

When you first log into the app you will be asked for your member number and online banking password. You will then be asked to create a passcode, either a pin or pattern login. Once youve entered these details and created a pin or pattern login, the app will be ready to use.
If your device supports it, you can enable biometrics as a login.

No. Unfortunately you can only have the app registered on one device. If you get a new device you can download and register the app, it will automatically de-register on your old device.

You can report a card lost or stolen by selecting settings & security in the app menu and report a card lost or stolen in the dropdown menu. This will cause all transactions attempted on the card to be declined, including any recurring payments, balance updates and transfers performed. You will need to contact us by calling 6763 5111 to organise a replacement card.

Block any of your cards by selecting cards in the menu of the app and following the prompts. Blocking and unblocking cards happen immediately after the action is completed in the app.
All these transactions will be blocked:
1. Point of sale transactions
2. All mastercard and visa transactions
3. Any direct debits linked to a card
note: transactions that come from a bank account linked to a card will not be blocked.

You can change your pin using the app by selecting the cards option from the accounts screen, and then selecting change pin. You will be able to set up a new 4 digit card pin in the app whether you know your existing pin or not. If you know your current pin, you will need to enter your current pin, enter a new pin, confirm this new pin and then select update. The change of pin is effective immediately. If you don't know your current pin, select the tick box 'i don't know my pin' so that you can enter a new pin.

Other ways to pay

Apple Pay

Fast and easy access to your accounts 24/7 via your mobile phone, make payments, check accounts and make updates via the app.

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Apple Pay
Click through to Apple Pay

Google Pay

Make payments with Google Pay using your Android smartphone, no need for a wallet with Google Pay.

Read more

Google Pay
Click through to Google Pay

Online Banking

Securely bank 24/7 using Online Banking, access accounts, make payments and transfer money anytime and anywhere.

Read more

Online Banking
Click through to Online Banking

Secure and safe

Northern Inland Credit Union is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). Dealing with us is equally as safe as banking with other financial institutions in Australia.

The oversight we receive from APRA has strengthened our already sound business model administered by our Board of Directors and senior management. This puts us in a firm and sustainable position for the future.

As a strongly regulated mutual, Northern Inland is safe and competitive with a full range of products. You can feel secure that your Savings and Investment accounts with Northern Inland are protected with the Government Deposit Guarantee.

Financial Claims Scheme: APRA oversees the Financial Claims Scheme (FCS) which is designed to protect depositor funds up to $250,000 per account holder per institution. As a result of this regulation we are required to provide you with the opportunity to nominate to us details of an alternate account you hold at another financial institution.

Important Information

Northern Inland SmartPay App for AndroidTM is only available from Google PlayTM (not all models and versions are supported). SmartPay App for Apple is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Pay are trademarks of Google Inc. ®Registered to BPAY Pty Ltd ABN 69 079 137 518