Enjoy the freedom to manage your money on your own way.
With our digital banking solutions, you can check balances, transfer funds, pay bills, and do a lot more from the comfort of your home or when you are on the go. It’s everyday banking, made easy, securely and conveniently available from your computer or mobile device.
For a personalised experience, visit one of our Financial Service Centres in the Northern Rivers region or call us at 1300 360 744 for a friendly conversation.
Paying with your smartphone means you can make purchases in-store without using your physical debit or credit card. Instead, you simply tap your phone at the checkout – just like you would with a contactless card.
It’s safe, secure, and convenient. All you need to do is add your SCCU card to your phone’s digital wallet such as Apple Pay or Google Pay, and you’re ready to go.
Use money from your transaction account anywhere Visa is accepted.
You can withdraw money for free in one of our Financial Service Centres or when using one for the big 4 ATMs, and make payments with Visa Paywave.
Whether you’re on the go or at home, managing your money has never been easier. Use our mobile app for quick access on your smartphone, or log in to NetBanking from your computer to stay in control of your accounts, cards and payments anytime it suits you.
Download SCCU mobile app to manage your accounts, cards and payees straight from your mobile phone.
Register for NetBanking to manage your accounts, cards and payees from your laptop or desktop computer.
Visit one of our Financial Service Centres in the Northern Rivers region. Our opening hours are from 9am to 5pm Mon-Tues, Thurs-Friday, and from 9:30am to 5pm on Wednesdays.
To talk to our team over the phone, give us a call at 1300 360 744.
Our Contact Service Centre service hours are from 8:30am to 5pm Mon-Tues, Thurs-Friday, and from 9:30am to 5pm on Wednesdays.
Alternatively, message us via the mobile app inbox or by submitting a contact us form. We will handle your enquiry as promptly as possible, during our business hours.
Find a Financial Service Centre Contact UsDigital banking features to make sending and receiving money easier, faster and more secure
Send and receive money almost instantly between participating banks 24/7, even on weekends or public holidays. Some payments could be subjected to security checks and delayed.
Use your mobile number, email address, ABN or organisation ID instead of remembering BSBs and account numbers.
Make recurrent payments securely from your bank account with PayTo, using your PayID or BSB and account number.
Confirmation of Payee (CoP) adds a layer of protection when you’re sending money to a BSB and account number.
Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.
Osko® by BPAY is made available by over 70 BPAY Scheme participants. You should obtain a PDS from your relevant BPAY participant and consider whether Osko is right for you.
PayID® is a registered trademark of NPP Australia Limited.
PayTo® is a registered trademark of NPP Australia Limited.
Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.
We make it easy to stay in control of your money with a range of tools to suit your lifestyle.
You can bank anytime, anywhere with NetBanking and our mobile app, manage bills and transactions with BPAY and direct debits and direct credits.
You can make real-time payments using Osko and use PayID while enjoying an additional layer of security from Confirmation of Payee, and access your money at ATMs and through EFTPOS. You’ll also have access to secure card features, eStatements, and digital wallets to keep your banking simple and convenient.
For deposits and withdrawals, visit your nearest SCCU Financial Service Centre.
Alternatively, you can withdraw cash using your SCCU Visa Debit Card at ATMs across Australia and overseas with the ‘Big 4’ banks ATMs offering fee free withdrawals – being, ANZ, Westpac, NAB and Commonwealth Bank.
Cash-out is also available at Woolworths when making purchases using the card credit facility.
Yes. Osko payments are processed in near real time, 24/7, including weekends and public holidays – although some payments could be subjected to security checks and be delayed.
Please refer to our Summary of Accounts, Availability of Access Facilities and Transaction Limits, as daily limits apply to OSKO payments.
We offer flexible options, so you never miss a payment. Use BPAY in NetBanking or in the mobile app to pay registered billers, set up direct debits for regular bills, or schedule recurring transfers to make life easier.
Yes. Your SCCU Visa Debit Card can be added to Apple Pay and Google Pay, so you can tap and pay directly from your smartphone or wearable device. It’s a secure and convenient way to pay without carrying your physical card.
See our Apple Pay or Google Pay guides on the section above in this page for more information on how to download and set up this feature on your device.
Your security is our priority. We use a combination of security tokens*, encryption, fraud monitoring, password requirements and features such as Confirmation of Payee to help to protect your accounts. You can also set up additional safeguards like PayID, card locks, and transaction alerts for additional peace of mind.
It’s important that you work with us and take precautions to help reduce the likelihood of fraud on your account. In the same way you would lock your doors and secure your home, there are many precautions you can take to protect your money, identity, and online banking such as using strong passwords and reporting unusual transactions.
For more tips and resources on how to stay safe online, visit our Security Hub to learn more.
*Security Tokens will be decommissioned by the 30th of June 2026, please contact us for support navigating this change.
If your Visa Debit Card is ever lost, stolen, or you notice unusual activity, you can temporarily block it in the mobile app, cancel and reorder a new one immediately. This ensures your money stays safe while you sort things out.
If your card was lost or stolen within Australia, contact Visa Emergency Hotline on 1800 621 199 immediately.
If you’re overseas, visit Visa’s global support page to find the correct contact number.
Alternatively, call us for assistance on 1300 360 744 during our business hours.
Visa Checkout is a secure and convenient way to pay online. Simply click the Visa Checkout button at online checkouts, sign in with your email and password, confirm your payment preferences, and complete your purchase quickly. You can use your Visa Debit or any other major credit or debit card through this single service.
Our recyclable Visa Debit cards are sent to new customers automatically, as well as to existing customers when replacing an expired or lost/stolen card. Learn more about our commitment to sustainability and recycled cards here.
When overseas, you can use your SCCU Visa Debit Card for purchases and ATM withdrawals anywhere Visa is accepted. You’ll also have access to NetBanking and the SCCU mobile app to check balances, transfer funds, or pay bills while you’re away. For added security, let us know your travel plans before you go.
If you need to send or receive money internationally, we partner with Convera to provide fast, secure, and reliable international payments in a wide range of currencies.
For extra convenience while travelling, you can also use a Cash Passport – a prepaid travel card that lets you load multiple currencies, lock in exchange rates, and spend like a local without the hassle of carrying large amounts of cash.
Together, these options make it simple to manage your money and stay connected to your accounts wherever you are in the world.
Stay on top of your money by checking your transaction history in NetBanking or the mobile app, and reviewing your eStatements online. These tools make it easy to monitor spending, track income, and manage your budget.
For more money management, you can also download the Frollo app, a money management app. Frollo connects securely with your SCCU accounts and provides another simple way to take control of your finances and work towards your goals, all from your phone.
From your first transaction to lifelong investments, with you across all financial life stages.
Years of age
Australian our NZ resident
Confirmed employment
If you'd like a little extra help, call our team on 1300 360 744.
