1var Q=Object.defineProperty,K=Object.defineProperties;var J=Object.getOwnPropertyDescriptors;var G=Object.getOwnPropertySymbols;var Z=Object.prototype.hasOwnProperty,X=Object.prototype.propertyIsEnumerable;var V=(l,t,c)=>t in l?Q(l,t,{enumerable:!0,configurable:!0,writable:!0,value:c}):l[t]=c,U=(l,t)=>{for(var c in t||(t={}))Z.call(t,c)&&V(l,c,t[c]);if(G)for(var c of G(t))X.call(t,c)&&V(l,c,t[c]);return l},j=(l,t)=>K(l,J(t));import{_ as $,p as N}from"./entry.BOROTlaC.20260922.1.js";import{M as p,A as u,Q as m,n as x,y as ee,o as ae,B as te,w as se,$ as oe,a0 as ie,u as i,f as re,a1 as ne,R as T,a2 as O,U as I,N as L,a3 as S,c as le,a4 as ce,W as de,X as me,O as D}from"./vendor.FR97x4Nj.20260922.1.js";import{u as he}from"./useHtmlContentActions.CV0g8JPE.20260922.1.js";import{_ as pe}from"./nuxt-layout.DHcBKy5p.20260922.1.js";import{u as ue}from"./index.CDo3aWzg.20260922.1.js";import"./fontawesome.Dmk2QzYV.20260922.1.js";import"./metatitledesc.C5yIOCh6.20260922.1.js";const be=[{title:"Eligibility and requirements",description:` 2 <div class="mb-0"> 3 <h4 class="font-bold text-mmeForest mb-8">Who can apply?</h4> 4 <p class="mb-4">To apply for a MONEYME credit product, you must:</p> 5 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 6 <li>Be an Australian Citizen, New Zealand Citizen or Permanent Resident</li> 7 <li>Be at least 18 years old</li> 8 <li>Earn more than $30,000 p.a. from employment</li> 9 <li>Have an average credit score or better, with a credit report free of any form of bankruptcy</li> 10 </ul> 11 <hr class="hr-faq"/> 12 </div> 13 <div class="mb-0"> 14 <h4 class="font-bold text-mmeForest mb-8">What do you need from me to apply?</h4> 15 <p class="mb-4">During the application process, we will be asking you for the following information:</p> 16 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 17 <li>Your personal details</li> 18 <li>Your employment and income details</li> 19 <li>Your monthly expenses</li> 20 <li>Your bank details</li> 21 <li>90-day bank statement</li> 22 </ul> 23 <p class="mb-4">We will also require you to verify your identity by doing the following:</p> 24 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 25 <li>Uploading a copy of your government-issued ID</li> 26 <li>Completing a face verification against the photo in your ID</li> 27 </ul> 28 <hr class="hr-faq"/> 29 </div> 30 <div class="mb-0"> 31 <h4 class="font-bold text-mmeForest mb-8">Iâm currently unemployed, can I apply for a loan?</h4> 32 <p class="mb-4">You must be employed to be eligible for a loan or credit card product with us.</p> 33 <hr class="hr-faq"/> 34 </div> 35 <div class="mb-0"> 36 <h4 class="font-bold text-mmeForest mb-8">Iâm self-employed, can I apply for a loan?</h4> 37 <p class="mb-4">You most certainly can! We will just need verify your business income to show that you have positive cash flow.</p> 38 <hr class="hr-faq"/> 39 </div> 40 <div class="mb-0"> 41 <h4 class="font-bold text-mmeForest mb-8">Iâm on a temporary visa, can I apply for a loan?</h4> 42 <p class="mb-4">You must be an Australian Citizen, New Zealand Citizen or Permanent Resident to apply for a loan or credit card product with us.</p> 43 <hr class="hr-faq"/> 44 </div> 45 <div class="mb-0"> 46 <h4 class="font-bold text-mmeForest mb-8">Why do you need my bank details?</h4> 47 <p class="mb-4">We will need your bank details so we:</p> 48 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 49 <li>Know where to send your money if you are approved for a loan;</li> 50 <li>Obtain a read-only copy of your bank statements so we can verify your income and expenses and give you an accurate credit offer, and;</li> 51 <li>Determine where your repayments will be taken from.</li> 52 </ul> 53 <hr class="hr-faq"/> 54 </div> 55 <div class="mb-0"> 56 <h4 class="font-bold text-mmeForest mb-8">
56Which bank account should I provide?</h4> 57 <p class="mb-4">Please provide the bank account where your salary or income is paid so we can verify your declared income.</p> 58 <hr class="hr-faq"/> 59 </div> 60 <div class="mb-0"> 61 <h4 class="font-bold text-mmeForest mb-8">Why do you need my bank statements?</h4> 62 <p class="mb-4">We are required by law to make an assessment if a loan contract is suitable for you.</p> 63 <p class="mb-4">At MONEYME, we obtain a copy of your most recent bank statements to make a credit assessment.</p> 64 <p class="mb-4">Our trusted partner, illion Bank Statements, allows us to securely receive your bank statements without storing your login details.</p> 65 <p class="mb-4">Their service supports over 120 banking institutions Australia-wide. The same technology is used by big banks and online companies. This means you can avoid all the time-consuming admin of getting your bank statements and pay slips to us manually.</p> 66 <hr class="hr-faq"/> 67 </div> 68 <div class="mb-0"> 69 <h4 class="font-bold text-mmeForest mb-8">Why do I have to provide my bank details to apply for a loan?</h4> 70 <p class="mb-4">Itâs the fastest and easiest way for us to process your credit application. Your bank details are encrypted, and we receive a read-only PDF copy of your transaction history.</p> 71 <p class="mb-4">All data is securely handled in accordance with data protection laws and our <a href="/privacy-policy" class="font-black font-mmeForest underline">privacy policy</a>.</p> 72 <hr class="hr-faq"/> 73 </div> 74 <div class="mb-0"> 75 <h4 class="font-bold text-mmeForest mb-8">Who will access my bank login details?</h4> 76 <p class="mb-4">Only you. Your online banking login details are encrypted and securely transmitted to retrieve a read-only copy of your banking transactions. These details are never stored, and no one from MONEYME or any third party, such as illion, can see or access them at any point. The system automatically deletes your online banking credentials within 15 seconds of use to ensure your privacy and security.</p> 77 <hr class="hr-faq"/> 78 </div> 79 <div class="mb-0"> 80 <h4 class="font-bold text-mmeForest mb-8">Are my bank details secured when I apply for a loan with you?</h4> 81 <p class="mb-4">Your bank details are encrypted in transit and stored securely by illion Open Data Solutions. We do not have the ability to change any of your banking details or access any of your personal information.</p> 82 <p class="mb-4">For further reference, you can access illion Open Data Solutionsâ terms and conditions <a href="https://www.illion.com.au/terms-of-use/" class="font-black font-mmeForest underline">here</a>.</p> 83 <hr class="hr-faq"/> 84 </div> 85 <div class="mb-0"> 86 <h4 class="font-bold text-mmeForest mb-8">
86What type of identification can I provide?</h4> 87 <p class="mb-4">Any government-issued ID like your driverâs licence or passport will do.</p> 88 <hr class="hr-faq"/> 89 </div> 90 <div class="mb-0"> 91 <h4 class="font-bold text-mmeForest mb-8">How do I send a copy of my ID?</h4> 92 <p class="mb-4">Once youâve submitted your application you will receive an SMS with a link to verify your identity. The first step is to upload your ID.</p> 93 <hr class="hr-faq"/> 94 </div> 95 <div class="mb-0"> 96 <h4 class="font-bold text-mmeForest mb-8">What is face verification?</h4> 97 <p class="mb-4">After youâve uploaded your ID we will need you to do a short selfie video to help us match you to your ID. Itâs completely private and will only take a few seconds. Just follow the prompts on-screen and youâre done!</p> 98 <hr class="hr-faq"/> 99 </div> 100 <div class="mb-0"> 101 <h4 class="font-bold text-mmeForest mb-8">Why do I need to do face verification?</h4> 102 <p class="mb-4">We want to be sure that itâs actually you applying for the credit product.</p> 103 <hr class="hr-faq"/> 104 </div> 105 `,icon:"/images/faq/faq-icon1.svg"},{title:"Application process",description:` 106 <div class="mb-0"> 107 <h4 class="font-bold text-mmeForest mb-8">How do I apply for a personal loan?</h4> 108 <p class="mb-4">Itâs super simple! Click <a href="https://quote.moneyme.com.au/pl/quote/loan-amount?type=pl" class="font-black text-mmeForest underline">here</a> to get a quote in less than 90 seconds. We will ask some of your details so we can create a quote thatâs tailored to you. If youâre happy with your quote, you can proceed with your application, which only takes minutes to complete.</p> 109 <p class="mb-4">The process is paperless and youâll receive an outcome typically within 60 minutes. Once approved, the funds can be in your account in as little as 60 minutes.</p> 110 <hr class="hr-faq"/> 111 </div> 112 <div class="mb-0"> 113 <h4 class="font-bold text-mmeForest mb-8">How do I apply for debt consolidation?</h4> 114 <p class="mb-4">Itâs super simple! Go to <a href="/debt-consolidation" class="font-black text-mmeForest underline">www.moneyme.com.au/debt-consolidation</a>, click âGet my rateâ and fill in your information. The application only takes about five minutes to complete!</p> 115 <p class="mb-4">The process is paperless and youâll receive a quick decision on your application. Once approved, the funds can be in your account in as little as 60 minutes.</p> 116 <hr class="hr-faq"/> 117 </div> 118 <div class="mb-0"> 119 <h4 class="font-bold text-mmeForest mb-8">How do I apply for an Autopay car loan?</h4> 120 <p class="mb-4">To apply for a car loan with Autopay you will need to speak with your car dealer or broker if they provide Autopay as a finance option. If they do then they can start the application for you and you may
120need to provide information to complete your account.</p> 121 <hr class="hr-faq"/> 122 </div> 123 <div class="mb-0"> 124 <h4 class="font-bold text-mmeForest mb-8">Will you be contacting my employer?</h4> 125 <p class="mb-4">No, we wonât contact your employer when assessing your application.</p> 126 <hr class="hr-faq"/> 127 </div> 128 <div class="mb-0"> 129 <h4 class="font-bold text-mmeForest mb-8">Why is my application still pending?</h4> 130 <p class="mb-4">Weâre a digital lender, but sometimes we need to look at things a little more carefully to ensure weâre making the right decisions.</p> 131 <p class="mb-4">It may also take a little longer if we havenât received all the information we need. We may send you an email to ask for more information or call you to confirm your details over the phone.</p> 132 <hr class="hr-faq"/> 133 </div> 134 <div class="mb-0"> 135 <h4 class="font-bold text-mmeForest mb-8">Can I apply for a MONEYME loan in a branch?</h4> 136 <p class="mb-4">MONEYME is 100% online which means you can apply for a loan with us 24/7 by visiting our website and clicking âGet a quoteâ or âApply nowâ.</p> 137 <p class="mb-4">If you need assistance applying for a loan, you can call us during our business hours and one of our agents will gladly help you out.</p> 138 <hr class="hr-faq"/> 139 </div> 140 <div class="mb-0"> 141 <h4 class="font-bold text-mmeForest mb-8">How much can I access?</h4> 142 <p class="mb-4">The amount you can access depends on the credit option you choose and your serviceability.</p> 143 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 144 <li>Personal Loan - $5,000 to $70,000</li> 145 <li>Cashback Rewards Credit Card - $1,000 - $20,000</li> 146 <li>Car Loan (Autopay) - $10,000 - $150,000</li> 147 </ul> 148 <p class="mb-4">With either option, you should borrow the amount that best suits your situation, making sure you are able to pay off your loan and are comfortable with the payment schedule.</p> 149 <hr class="hr-faq"/> 150 </div> 151 <div class="mb-0"> 152 <h4 class="font-bold text-mmeForest mb-8">How long is the application?</h4> 153 <p class="mb-4">It takes less than 90 seconds to get a personalised quote.</p> 154 <p class="mb-4">Once you're happy with your quote, you can proceed with getting a conditional offer, which should only take at least a few more minutes to complete provided that you have the details that we require handy (like your income and expense information and a government-issued ID).</p> 155 <hr class="hr-faq"/> 156 </div> 157 <div class="mb-0"> 158 <h4 class="font-bold text-mmeForest mb-8">Can I get an estimate of my repayments if I apply for a loan?</h4> 159 <p class="mb-4">We have a repayment calculator on <a href="/personal-loan" class="font-black text-mmeForest underline">www.moneyme.com.au/personal-loan</a> for you to use to calculate what your repayments could be.</p> 160 <p class="mb-4">Please note: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator are intended as a guide only.</p> 161 <hr class="hr-faq"/> 162 </div> 163 <div class="mb-0"> 164 <h4 class="font-bold text-mmeForest mb-8">Does checking my rate affect my credit score? </h4> 165 <p class="mb-4">Checking your rate doesnât affect your credit score! We will give you a quote based on your information and if youâre happy with your quote, you can confirm and submit your application. Submitting your application does affect your credit file.</p> 166 <hr class="hr-faq"/> 167 </div> 168 <div class="mb-0"> 169 <h4 class="font-bold text-mmeForest mb-8">Do you conduct credit history checks?</h4> 170 <p class="mb-4">Yes, we do conduct credit history checks as a standard part of our application process. Our goal is to make informed and fair decisions when evaluating applications. The credit history check allows us to assess an applicant's financial responsibility, which is an important factor in our decision-making process.</p> 171 <p class="mb-4">There are some circumstances where we will automatically decline an application, such as if you have credit defaults, are bankrupt, or are in a debt agreement.</p> 172 <p class="mb-4">If you have any specific concerns or questions about our credit check process, feel free to discu
172ss them with our team, and we'll do our best to provide the information you need.</p> 173 <hr class="hr-faq"/> 174 </div> 175 `,icon:"/images/faq/faq-icon2.svg"},{title:"Application status, declines, and approvals",description:` 176 <div class="mb-0"> 177 <h4 class="font-bold text-mmeForest mb-8">How long does it take to approve an application?</h4> 178 <p class="mb-4">Once you've submitted an application, we can give you an outcome in as little as 60 minutes.</p> 179 <hr class="hr-faq"/> 180 </div> 181 <div class="mb-0"> 182 <h4 class="font-bold text-mmeForest mb-8">What happens after I get approved for a loan?</h4> 183 <p class="mb-4">Once your application has been approved, you will receive a copy of your loan agreement and payment schedule via email, the funds will be sent to your nominated bank account typically instantly. For some smaller banks, it may take 1 business day.</p> 184 <hr class="hr-faq"/> 185 </div> 186 <div class="mb-0"> 187 <h4 class="font-bold text-mmeForest mb-8">What happens after I get approved for a credit card?</h4> 188 <p class="mb-4">Once your application has been approved, you will receive a copy of your credit agreement and you should be able to access your credit card details via the MONEYME mobile app.</p> 189 <hr class="hr-faq"/> 190 </div> 191 <div class="mb-0"> 192 <h4 class="font-bold text-mmeForest mb-8">What happens after I get approved for debt consolidation?</h4> 193 <p class="mb-4">Once your application has been approved, you will receive a copy of your loan agreement and payment schedule via email, the funds will be sent to your nominated bank account typically instantly. For some smaller banks, it may take 1 business day. You can then use the funds to pay out your debts.</p> 194 <hr class="hr-faq"/> 195 </div> 196 <div class="mb-0"> 197 <h4 class="font-bold text-mmeForest mb-8">Why was my application declined?</h4> 198 <p class="mb-4">We rely on data from a number of sources to make our credit decisions, including information disclosed to us by credit reporting bodies. Some of the factors that we consider include income, expenses, other debt obligations, security of employment, and credit history.</p> 199 <hr class="hr-faq"/> 200 </div> 201 <div class="mb-0"> 202 <h4 class="font-bold text-mmeForest mb-8">How can I track the status of my application? </h4> 203 <p class="mb-4">You can track the progress of your application by logging in to your account via our web portal or on the MONEYME app. Simply use the email you used during sign-up and the 4-digit passcode youâve set up after your application to log in.</p> 204 <hr class="hr-faq"/> 205 </div> 206 <div class="mb-0"> 207 <h4 class="font-bold text-mmeForest mb-8">Do you offer refinance?</h4> 208 <p class="mb-4">We can offer refinance depending on if you are eligible. Give us a call and one of our agents can help review and determine if you are eligible for a refinance.</p> 209 <hr class="hr-faq"/> 210 </div> 211 <div class="mb-0"> 212 <h4 class="font-bold text-mmeForest mb-8">Do you offer loan top-ups?</h4> 213 <p class="mb-4">We can help you top-up depending on if you are eligible. Give us a call and one of our agents can help review and determine if you are eligible to top-up.</p> 214 <hr class="hr-faq"/> 215 </div> 216 `,icon:"/images/faq/faq-icon3.svg"},{title:"Credit score",description:` 217 <div class="mb-0"> 218 <h4 class="font-bold text-mmeForest mb-8">What is a credit score?</h4> 219 <p class="mb-4">A credit score is based on your borrowing and repayment history. It is a number that summarises your credit history and shows lenders what you are like as a borrower. Lenders will check your score when you apply for credit or a loan, as it tells them how likely you are to make your repayments. The higher your score, the better your chances are of being approved for credit.</p> 220 <hr class="hr-faq"/> 221 </div> 222 <div class="mb-0"> 223 <h4 class="font-bold text-mmeForest mb-8">How is my credit score calculated?</h4> 224 <p class="mb-4">Your credit score is calculated by credit reporting bodies such Equifax, using data from a number of different sources, such as public databases, financial institutions and utility providers.</p> 225 <p class="mb-4">A number of factors play their part in determining your score, including:</p> 226 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 227 <li>Type of credit provider</li> 228 <li>The type of size of credit requested in your application</li> 229 <li>Number of credit enquires and shopping patterns</li> 230 <li>Directorship and proprietor information</li> 231 <li>Age of credit report</li> 232 <li>Pattern of credit enquires over time</li> 233 <li>Your personal details</li> 234 <li>Default information</li> 235 <li>Court writs and default judgements</li> 236 <li>Commercial address information</li> 237 </ul> 238 <p class="mb-4">Your credit score is not affected by your bank balances, race or origins, beliefs or affiliations, sexual orientation, lifestyle or medical history.</p> 239 <hr class="hr-faq"/> 240 </div> 241 <div class="mb-0"> 242 <h4 class="font-bold text-mmeForest mb-8">How does making applications for credit impact my credit score?</h4> 243 <p class="mb-4">While you may be able to shop around quite easily for goods and services, shopping around for credit products can have a negative impact on your credit score. When you make an application for credit, the lender places a âcredit enquiryâ on your file. If you make too many applications for credit, you may be considered to be a bigger risk to lenders who may see a high number of enquiries as an indicator of an over-reliance on finance or an inability to obtain finance from other organisations.</p> 244 <p class="mb-4">The types of credit you enquire about may also have an impact on your credit score.</p> 245 <hr class="hr-faq"/> 246 </div> 247 <div class="mb-0"> 248 <h4 class="font-bold text-mmeForest mb-8">How can I check my credit score?</h4> 249 <p class="mb-4">You can check your credit score for free by downloading the MONEYME app. Simply sign up for an account, tap the âCredit scoreâ tile on the home screen and fill out the form. Once youâve submitted the form youâll get access to your credit score instantly.</p> 250 <hr class="hr-faq"/> 251 </div> 252 <div class="mb-0"> 253 <h4 class="font-bold text-mmeForest mb-8">How can I improve my credit score?</h4> 254 <p class="mb-4">Ensure you make your payments on time to demonstrate good repayment history, and avoid negative events, such as missed payments or defaults.</p> 255 <p class="mb-4">Limit your credit applications over a short period of time. Most lenders can give you a quote without impacting your credit score.</p> 256 <hr class="hr-faq"/> 257 </div> 258 <div class="mb-0"> 259 <h4 class="font-bold text-mmeForest mb-8">Does checking my credit score impact my credit score?</h4> 260 <p class="mb-4">No. When checking your credit score with MONEYME, it does not affect your credit score. Looking into your credit score does not have any negative impact on your credit file.</p> 261 <hr class="hr-faq"/> 262 </div> 263 <div class="mb-0"> 264 <h4 class="font-bold text-mmeForest mb-8">Why is my credit score different to what I have seen elsewhere?</h4> 265 <p class="mb-4">Your credit profile may appear different between credit score providers as each credit bureau collects different information and uses their own method of calculating a credit score.</p> 266 <p class="mb-4">MONEYME's credit score product is provided by Equifax, which has a maximum score of 1200. Other
266credit bureaus may have a different maximum score.</p> 267 <hr class="hr-faq"/> 268 </div> 269 <div class="mb-0"> 270 <h4 class="font-bold text-mmeForest mb-8">How do I access my full credit report?</h4> 271 <p class="mb-4">Your credit report contains a detailed account of your credit history for the previous 5 years. If you are interested in accessing your credit report, you can do so by visiting the <a href="https://www.equifax.com.au/" class="font-black text-mmeForest underline">Equifax Website</a> and making a request. Once you have received your credit report, <a href="https://www.equifax.com.au/personal/help-centre/credit-scores#tab-1-0" class="font-black text-mmeForest underline">this guide</a> may help you to understand more about your report and its contents.</p> 272 <hr class="hr-faq"/> 273 </div> 274 <div class="mb-0"> 275 <h4 class="font-bold text-mmeForest mb-8">When is my score updated?</h4> 276 <p class="mb-4">Your credit score is constantly evolving over time. Information is added, deleted or updated frequently, meaning that it can change monthly or even more frequently. We encourage you to log in once a month to monitor your score.</p> 277 <hr class="hr-faq"/> 278 </div> 279 <div class="mb-0"> 280 <h4 class="font-bold text-mmeForest mb-8">I tried checking my score and it didnât work</h4> 281 <p class="mb-4">Please make sure you provide the correct information otherwise we wonât be able to get your credit score.</p> 282 <p class="mb-4">
282Your credit score may also be blocked so please check with Equifax to get it sorted.</p> 283 <hr class="hr-faq"/> 284 </div> 285 <div class="mb-0"> 286 <h4 class="font-bold text-mmeForest mb-8">Why is my credit score not increasing or going up?</h4> 287 <p class="mb-4">There are a number of reasons why your credit score is not improving.</p> 288 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 289 <li>You may have missed a debt payment and your creditor reported it to your file.</li> 290 <li>You owe too much on your debt(s).</li> 291 <li>Your credit history is limited.</li> 292 <li>Youâve applied for credit way too many times.</li> 293 <li>You only have one type of credit account.</li> 294 <li>A creditor has incorrectly reported account information.</li> 295 </ol> 296 <hr class="hr-faq"/> 297 </div> 298 `,icon:"/images/faq/faq-icon4.svg"},{title:"Repayments",description:` 299 <div class="mb-0"> 300 <h4 class="font-bold text-mmeForest mb-8">What is my account balance?</h4> 301 <p class="mb-4">To check your balance owing, simply download the MONEYME app and log in using your email address and 4-digit passcode. Once logged in, youâll be able to view your balance owing and other details related to your account.</p> 302 <hr class="hr-faq"/> 303 </div> 304 <div class="mb-0"> 305 <h4 class="font-bold text-mmeForest mb-8">Do you charge any early exit fees?</h4> 306 <p class="mb-4">There are no early exit fees.</p> 307 <hr class="hr-faq"/> 308 </div> 309 <div class="mb-0"> 310 <h4 class="font-bold text-mmeForest mb-8">Can I make additional repayments?</h4> 311 <p class="mb-4">Of course! If you want to pay off your balance faster, you can log in to your members area via our web portal or on the MONEYME app to make additional repayments toward your account.</p> 312 <hr class="hr-faq"/> 313 </div> 314 <div class="mb-0"> 315 <h4 class="font-bold text-mmeForest mb-8">Do you accept credit card repayments?</h4> 316 <p class="mb-4">No, but you can use your debit card to make repayments.</p> 317 <hr class="hr-faq"/> 318 </div> 319 <div class="mb-0"> 320 <h4 class="font-bold text-mmeForest mb-8">Can I repay with a bank transfer?</h4> 321 <p class="mb-4">Yes, you can repay your balance via bank transfer. Our details are as follows:</p> 322 <p class="mb-4"> 323 BSB: 062 104 <br/> 324 Account: 10233152 <br/> 325 Reference number: [Your loan number or account ID]</p> 326 <p class="mb-4">To check your loan number or account ID, log in to the MONEYME app and tap the product you wish to learn more about and click either âManage loanâ or âManage cardâ. For loans click âView loan detailsâ to view your loan number and for credit cards click âAccount detailsâ to view your account ID.</p> 327 <p class="mb-4">Important: Please make sure you use your loan number or account ID as the reference number when you pay via bank transfer otherwise we wonât be able to connect your repayments to your account.</p> 328 <hr class="hr-faq"/> 329 </div> 330 <div class="mb-0"> 331 <h4 class="font-bold text-mmeForest mb-8">Can I repay with BPAY?</h4> 332 <p class="mb-4">We offer BPAY as payment option for SocietyOne customers, but it is currently unavailable for MONEYME accounts.</p> 333 <hr class="hr-faq"/> 334 </div> 335 <div class="mb-0"> 336 <h4 class="font-bold text-mmeForest mb-8">How do I make manual or additional repayments? </h4> 337 <p class="mb-4">To make repayments toward your loan or credit card, simply <a href="https://tf-ae-preprod-web-eca.icymushroom-407e105d.australiaeast.azurecontainerapps.io/" class="font-black text-mmeForest underline">log in</a> to the web portal or on the MONEYME app using your email and 4-digit passcode.</p> 338 <p class="mb-4">On the web portal, click âMake a paymentâ, enter how much youâd like to repay, and select if you want to repay via direct debit or debit card.</p> 339 <p class="mb-4">On the mobile app, go to the âRepayâ tab, enter how much youâd like to repay, and select if you want to repay via direct debit or debit card.</p> 340 <hr class="hr-faq"/> 341 </div> 342 <div class="mb-0"> 343 <h4 class="font-bold text-mmeForest mb-8">Why does the amount I owe not update automatically when I make extra contributions?</h4> 344 <p class="mb-4">Additional contributions you make toward your loan will be deducted from your balance owning once they clear. Direct debits can take up to 2 business delays to clear into our account, which is why you may
344notice a delay.</p> 345 <p class="mb-4">If youâd like for your balance to be updated immediately we recommend paying with a debit card.</p> 346 <hr class="hr-faq"/> 347 </div> 348 `,icon:"/images/faq/faq-icon5.svg"},{title:"Struggling with repayments",description:` 349 <div class="mb-0"> 350 <h4 class="font-bold text-mmeForest mb-8">Iâm struggling with payments.</h4> 351 <p class="mb-4">We understand that circumstances can change and we are here to help.</p> 352 <p class="mb-4">If you are experiencing hardship or difficulty making repayments, please <a href="/contact-us" class="font-black text-mmeForest underline">contact</a> our dedicated payments team and we will assist you.</p> 353 <hr class="hr-faq"/> 354 </div> 355 <div class="mb-0"> 356 <h4 class="font-bold text-mmeForest mb-8">How can I lower my payments? </h4> 357 <p class="mb-4">Refinancing your loan or credit card balance could help reduce your repayments. To learn about your options and get a refinance quote for a MONEYME loan or credit card, please call our customer service team at <
357a href="tel:1300669059" class="font-black text-mmeForest underline">1300 669 059</a>.</p> 358 <p class="mb-4">You can also consolidate multiple debts into a MONEYME loan to help reduce your interest costs and payments. Learn more about our debt consolidation loan <a href="/debt-consolidation" class="font-black text-mmeForest underline">here</a>.</p> 359 <hr class="hr-faq"/> 360 </div> 361 <div class="mb-0"> 362 <h4 class="font-bold text-mmeForest mb-8">Why is my account overdue?</h4> 363 <p class="mb-4">Your account may be overdue because you have missed your repayment. Download the MONEYME app and log in to check your repayment schedule.</p> 364 <hr class="hr-faq"/> 365 </div> 366 <div class="mb-0"> 367 <h4 class="font-bold text-mmeForest mb-8">How can I check my overdue amount?</h4> 368 <p class="mb-4">To check your overdue balance, simply download the MONEYME app and log in using your email address and 4-digit passcode. Once logged in, youâll be able to view your balance owing and other details related to your account.</p> 369 <hr class="hr-faq"/> 370 </div> 371 <div class="mb-0"> 372 <h4 class="font-bold text-mmeForest mb-8">What happens if I miss my payment?</h4> 373 <p class="mb-4">You will be charged a dishonour fee of $15. This is payable each time a direct debit is dishonoured or your commitments to make a loan repayment is not met.</p> 374 <p class="mb-4">There is also an overdue account fee of $35 payable when the repayment is 7 days overdue, and again every 14 days thereafter, until the arrears are cleared or a cap of $210 is reached.</p> 375 <hr class="hr-faq"/> 376 </div> 377 <div class="mb-0"> 378 <h4 class="font-bold text-mmeForest mb-8">What happens if I have seriously overdue payments?</h4> 379 <p class="mb-4">Seriously overdue accounts can result in formal collections actions which may include adding a default listing on your credit file.</p> 380 <p class="mb-4">We have various options available to assist you, including hardship. <a href="/contact-us" class="font-black text-mmeForest underline">Contact</a> us as soon as possible, and weâll work something out together!</p> 381 <hr class="hr-faq"/> 382 </div> 383 <div class="mb-0"> 384 <h4 class="font-bold text-mmeForest mb-8">How can I get independent assistance?</h4> 385 <p class="mb-4">For financial advice, counselling or support, the National Debt Helpline is available to help at no cost!</p> 386 <p class="mb-4">Visit their website (<a href="https://ndh.org.au/" class="font-black text-mmeForest underline">Welcome Page - National Debt Helpline</a>) or speak to a financial counsellor at NDHâs national hotline 1800 007 007.</p> 387 <hr class="hr-faq"/> 388 </div> 389 <div class="mb-0"> 390 <h4 class="font-bold text-mmeForest mb-8">Can I extend my repayment term?</h4> 391 <p class="mb-4">Your minimum repayment term is set. However, we understand that circumstances change and in some cases, an extension may be required.</p> 392 <p class="mb-4">If you believe you will need this, <a href="/contact-us" class="font-black text-mmeForest underline">reach out</a> to our dedicated payments team who are happy to work out a suitable arrangement.</p> 393 <hr class="hr-faq"/> 394 </div> 395 <div class="mb-0"> 396 <h4 class="font-bold text-mmeForest mb-8">Can I request an extension on my scheduled payment?</h4> 397 <p class="mb-4">Please <a href="/contact-us" class="font-black text-mmeForest underline">contact</a> our friendly payments team. If you would like to defer or reschedule your scheduled repayment.</p> 398 <hr class="hr-faq"/> 399 </div> 400 <div class="mb-0"> 401 <h4 class="font-bold text-mmeForest mb-8">How do I defer or reschedule my repayment?</h4> 402 <p class="mb-4">Please <a href="/contact-us" class="font-black text-mmeForest underline">contact</a> our friendly payments team. If you would like to defer or reschedule your scheduled repayment.</p> 403 <hr class="hr-faq"/> 404 </div> 405 `,icon:"/images/faq/faq-icon6.svg"},{title:"Hardship",description:` 406 <div class="mb-0"> 407 <h4 class="font-bold text-mmeForest mb-8">What is a Hardship Arrangement? </h4> 408 <p class="mb-4">If you have financial difficulties and canât pay on time, you might miss payments. Missing payments may result in collections activity and can hurt your credit report and lower your credit score. A hardship arrangement is a way to make it easier to manage your payments. For example, you can ask us to change how often or how much you need to pay. This can help you to avoid missing payments affecting your credit report and stop your credit score going down. </p> 409 <p class="mb-4">You can find more information on the Credit Smart website: <a href="https://www.creditsmart.org.au/financial-hardship" class="font-black text-mmeForest underline">https://www.creditsmart.org.au/financial-hardship</a>.</p> 410 <hr class="hr-faq"/> 411 </div> 412 <div class="mb-0"> 413 <h4 class="font-bold text-mmeForest mb-8">How to apply for a Hardship Arrangement? </h4> 414 <p class="mb-4">You can contact us about your financial difficulties at any time through the details on our <a href="/contact-us" class="font-black text-mmeForest underline">Contact Us</a> page. We will send you a form that asks basic questions about your financial difficulties and what payments you are able to make. The form only takes a couple of minutes to complete and allows us to establish a Hardship Arrangement unique to your circumstances. In some situations, we may ask for additional documentation as well. We will ask for this via email. Note: completing the Hardship Form is not the approval for a Hardship Arrangement. If your hardship application is approved, you will receive confirmation of the change to your payment arrangement and the associated details. </p> 415 <p class="mb-4">You can also request for this form by logging in to your account and navigating to your Profile, Account Details, Get Help, Contact Us, Financial Hardship.</p> 416 <hr class="hr-faq"/> 417 </div> 418 <div class="mb-0"> 419 <h4 class="font-bold text-mmeForest mb-8">What is a Promise to Pay? </h4> 420 <p class="mb-4">A âpromise to payâ is not a financial hardship arrangement. Basically, the lender just records the fact that the customer will make up their missed payments. A Promise to Pay may be appropriate if it just a payment of two that require change. As a result, your credit report may continue to show the account as overdue until all the payments are made (although, if payments more than the minimum due in a month are made, the RHI status will reduce towards RHI=0, which will show other lenders that the customer was capable of paying off the overdue amounts). There is no financial hardship indicator shown. </p> 421 <hr class="hr-faq"/> 422 </div> 423 <div class="mb-0"> 424 <h4 class="font-bold text-mmeForest mb-8">Does a Hardship Arrangement impact my Credit Report? </h4> 425 <p class="mb-4">Your credit report will show a note that you have agreed to an arrangement to manage your payments to us. It will not show why you are having trouble paying or the details of the arrangement. The note comes off your Credit Report after 12 months after the arrangement ends. A financial hardship arrangement won't prevent you from applying for credit later on. We, or another lender, might just ask for some additional information about your finances at that time, to ensure that are able to manage a new loan. If you are approved for financial hardship, we will send you a confirmation letter with more details about the arrangement. </p> 426 <hr class="hr-faq"/> 427 </div> 428 <div class="mb-0"> 429 <h4 class="font-bold text-mmeForest mb-8">What does the Hardship Arrangement look like on my Credit Report? </h4> 430 <p class="mb-4">If you have entered a Hardship Arrangement and this has changed how often or how much you need to pay â the change to your payments is for a short time and is called a âtemporary financial hardship arrangementâ. The sign for a temporary financial hardship arrangement is 'A'. </p> 431 <p class="mb-4">If you pay on time with the new arrangement, then your credit report will show your payments as up-to-date, which means your credit report and credit score will not be affected by missed payments during the arrangement. If you do not meet the arrangement, your credit report will show missed payments. If you think you might miss a payment under the new arrangement, please call us as soon as you can. </p> 432 <p class="mb-4">Weâll send you a reminder before your arrangement ends. At that time, you'll need to chat with us about getting back to regular payments. If you donât, your credit report might show missed payments, which could lower your credit score. </p> 433 <hr class="hr-faq"/> 434 </div> 435 <div class="mb-0"> 436 <h4 class="font-bold text-mmeForest mb-8">What happens after my hardship arrangement ends? </h4> 437 <p class="mb-4">Your repayments will revert to the original payment amount. </p> 438 <p class="mb-4">If your circumstances do not improve after your hardship ends, we encourage you to please contact our friendly payments team immediately. Please note, an extension of your hardship arrangement is not guaranteed. If you continue to experience financial difficulty and need further assistance, we are required under law to reassess your situation to put in place an appropriate arrangement. To do this, we are likely to ask you to fill out our form again and may require supporting documents. A hardship arrangement is generally a short-term arrangement. If you require more long-term assistance, you may wish to
438seek external assistance.</p> 439 <p class="mb-4"> 440 <b>Helpful resources:</b><br/> 441 National Debt Helpline: <a target="_blank" class="font-black text-mmeForest underline" href="https://ndh.org.au/">https://ndh.org.au/</a> <br/> 442 Financial Counselling Australia: <a target="_blank" class="font-black text-mmeForest underline" href="https://www.financialcounsellingaustralia.org.au/">https://www.financialcounsellingaustralia.org.au/</a> <br/> 443 Lifeline: <a target="_blank" class="font-black text-mmeForest underline" href="https://www.lifeline.org.au/">https://www.lifeline.org.au/</a><br/> 444 1800Respect: <a target="_blank" class="font-black text-mmeForest underline" href="https://www.1800respect.org.au/">https://www.1800respect.org.au/</a> 445 </p> 446 <hr class="hr-faq"/> 447 </div> 448 `,icon:"/images/faq/faq-icon7.svg"},{title:"Comprehensive Credit Reporting",description:` 449 <div class="mb-0"> 450 <h4 class="font-bold text-mmeForest mb-8">What is a Credit Report?</h4> 451 <p class="mb-4">Your credit report can include information that is needed to identify you: name (including other names that you use), birth date and addresses.</p> 452 <p class="mb-4">Your credit report may also have information about your credit history â that is, how many loans or credit facilities you have applied for and how youâve dealt with the debts you have.</p> 453 <p class="mb-4">The Credit Smart website had lots of good information about what a credit report is and what it is used for: <a href="https://www.creditsmart.org.au/learn-about-credit/whats-in-a-credit-report">https://www.creditsmart.org.au/learn-about-credit/whats-in-a-credit-report</a>.</p> 454 <hr class="hr-faq"/> 455 </div> 456 <div class="mb-0"> 457 <h4 class="font-bold text-mmeForest mb-8">Will my credit application show on my credit report?</h4> 458 <p class="mb-4">Applications you have made for credit will show on your credit report. This will include the types of loans youâve applied for, and the types of things youâve tried to buy on credit, over the last 5 years. These will be shown whether or not you were actually approved for the loan, or whether you opened the loan once approved. For example, if you shop around for a credit card and make applications to three different banks, then your report will show three applications.</p> 459 <p class="mb-4">It is mandatory for credit providers such as MoneyMe to report all credit applications it has received to the credit reporting bodies.</p> 460 <hr class="hr-faq"/> 461 </div> 462 <div class="mb-0"> 463 <h4 class="font-bold text-mmeForest mb-8">What is Comprehensive Credit Reporting?</h4> 464 <p class="mb-4">Comprehensive credit reporting, also known as repayment history information, shows on a month by month basis, whether youâve made your loan payments on time.</p> 465 <p class="mb-4">If you are late by 14 days or more in making a repayment, the lender is required to record that against your credit file with credit reporting bodies.</p> 466 <hr class="hr-faq"/> 467 </div> 468 <div class="mb-0"> 469 <h4 class="font-bold text-mmeForest mb-8">How does comprehensive credit reporting impact me?</h4> 470 <p class="mb-4">As more information is being reported on your credit file, youâre able to positively influence your credit score simply by displaying good credit behaviour such as making your repayments on time.</p> 471 <hr class="hr-faq"/> 472 </div> 473 <div class="mb-0"> 474 <h4 class="font-bold text-mmeForest mb-8">What new information is on my credit report, and what information can providers now see?</h4> 475 <p class="mb-4">Prior to this change, mainly negative information was available on your credit file (e.g. credit enquiries and default listings). Now with comprehensive credit reporting, this means more positive information is available â including</p> 476 <ul class="list-disc pl-6 mb-4 ml-[20px]"> 477 <li>Account limits</li> 478 <li>Account open and close dates</li> 479 <li>Credit types</li> 480 <li>Repayment History Information (RHI) for the last 24-month period</li> 481 </ul> 482 <hr class="hr-faq"/> 483 </div> 484 <div class="mb-0"> 485 <h4 class="font-bold text-mmeForest mb-8">What is Repayment History Information (RHI)?</h4> 486 <p class="mb-4">Information about a consumer's repayment history (sometimes called 'repayment history information' or RHI) is information about whether they have met their consumer credit payment obligations in a particular month.</p> 487 <hr class="hr-faq"/> 488 </div> 489 <div class="mb-0"> 490 <h4 class="font-bold text-mmeForest mb-8">What is reported if I miss a payment, or change my repayment schedule?</h4> 491 <p class="mb-4">If you miss a payment and it is not caught up within the 14-day grace peri
491od, it will be reported on your credit file as overdue.</p> 492 <p class="mb-4">If you request to change a payment prior to the scheduled date and it fits within acceptable criteria, the change wonât affect your credit report.</p> 493 <hr class="hr-faq"/> 494 </div> 495 <div class="mb-0"> 496 <h4 class="font-bold text-mmeForest mb-8">How does Repayment History Information affect my credit score?</h4> 497 <p class="mb-4">The key thing to know is that good repayment history and behaviour is now reflected on your profile which means you have the opportunity each month to improve your credit score.</p> 498 <p class="mb-4">If youâre worried about missing one payment or making it after the 14-day grace period, donât stress too much. The great thing about Comprehensive Credit Reporting is it shows your last 24-month repayment history, which gives lenders a better understanding of your overall repayments â not just the most recent.</p> 499 <hr class="hr-faq"/> 500 </div> 501 `,icon:"/images/faq/faq-icon8.svg"},{title:"Account management",description:` 502 <div class="mb-0"> 503 <h4 class="font-bold text-mmeForest mb-8">How do I obtain personal loan account statements?</h4> 504 <p class="mb-4">Your statement of account is sent to you automatically bi-annually.</p> 505 <p class="mb-4">Alternatively, you can request a copy via the MONEYME app. Once you are logged in:</p> 506 <p class="mb-2">1. Click the loan account tile.</p> 507 <p class="mb-2">2. On the product page, click the âManage loanâ action.</p> 508 <p class="mb-2">3. On the Manage loan page, click âRequest account statementâ.</p> 509 <p class="mb-2">4. Confirm your request by clicking âSend requestâ.</p> 510 <p class="mb-2">5. The account statement will be sent to the email associated with your account.</p> 511 <hr class="hr-faq"/> 512 </div> 513 <div class="mb-0"> 514 <h4 class=âfont-bold text-mmeForest mb-8â>How do I obtain account statements for my credit card?</h4> 515 <p class=âmb-4â>Your statement of account is sent to you automatically on a monthly basis.</p> 516 <p class=âmb-4â>Alternatively, you can request a copy via the MONEYME app. Once you are logged in:</p> 517 <p class=âmb-2â>1. Tap the credit card account tile to view the product page.</p> 518 <p class=âmb-2â>2. Tap the âManage cardâ action.</p> 519 <p class=âmb-2â>3. On the Manage card page, tap âView account statementsâ.</p> 520 <p class=âmb-2â>4. To download the latest statement, tap 'Latest' and then 'Download PDF'.</p> 521 <p class=âmb-2â>5. To download previous months' statements, tap the 'Previous' tab and then the download icon next to each statement.</p> 522 <hr class="hr-faq"/> 523 </div> 524 <div class="mb-0"> 525 <h4 class="font-bold text-mmeForest mb-8">How do I obtain ListReady account statements?</h4> 526 <p class="mb-4">Your statement of account is sent to you automatically monthly.</p> 527 <p class="mb-4">Alternatively, to get a copy of your most recent statement, please email us at <a href="mailto:[email protected]">[email protected]</a>.</p> 528 <hr class="hr-faq"/> 529 </div> 530 <div class="mb-0"> 531 <h4 class="font-bold text-mmeForest mb-8">I would like to request a payout letter</h4> 532 <p class="mb-4">To request for a payout letter, please send us an email at <a href="mailto:[email protected]">[email protected]</a> including the following details:</p> 533 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 534 <li>Full name</li> 535 <li>Date of birth</li> 536 <li>Email address or mobile</li> 537 <li>What is the reason for your early loan settlement? 538 <li>Will you be making the payment to settle your loan or will another financial institution be making the payment?</li> 539 <li>What date would you like to payout your account?</li> 540 </ol> 541 <p class="mb-4">Once we've received your request, we will send you an email with a copy of your payout letter.</p> 542 <hr class="hr-faq"/> 543 </div> 544 <div class="mb-0"> 545 <h4 class="font-bold text-mmeForest mb-8">How can I view my account balance?</h4> 546 <p class="mb-4">Your account balance is available on the MONEYME mobile app.</p> 547 <p class="mb-4"><b>For loans</b>, the balance owing will be in the âLoan detailsâ section below the page.</p> 548 <p class=âmb-4â>For the <b>credit card</b>, the current balance will be displayed on the âTransactionsâ section.</p> 549 <hr class="hr-faq"/> 550 </div> 551 <div class="mb-0"> 552 <h4 class="font-bold text-mmeForest mb-8">How can I view my account history?</h4> 553 <p class="mb-4">You can view your account history via the MONEYME mobile app. Once youâre logged in:</p> 554 <p class="mb-2">1. On the navigation tab, tap "Profile".</p> 555 <p class="mb-2">2. Select "Account details".</p> 556 <p class="mb-4">3. Under "Your information", tap "History".</p> 557 <p class="mb-4">4. In the account history page you can view all your active and closed accounts. Simply tap on an account to view more information about it.</p> 558 <hr class="hr-faq"/> 559 </div> 560 <div class="mb-0"> 561 <h4 class="font-bold text-mmeForest mb-8">How can I view my repayment history?</h4> 562 <p class="mb-4">You can view your repayment history via the MONEYME mobile app. Once you are logged in:</p> 563 <p class="mb-4">For loans:</p> 564 <p class="mb-2">1. Click the loan account tile.</p> 565 <p class="mb-2">2. Then, click the âRepaymentsâ action.</p> 566 <p class="mb-4">For credit card:</p> 567 <p class="mb-2">1. Tap the credit card product tile.</p> 568 <p class="mb-2">2. Click the âManage cardâ action.</p> 569 <p class="mb-4">3. On the Manage card page, tap âView repaymentsâ.</p> 570 <hr class="hr-faq"/> 571 </div> 572 <div class="mb-0"> 573 <h4 class="font-bold text-mmeForest mb-8">How can I view my loan or credit card details?</h4> 574 <p class="mb-4">Your loan account details are available on the MONEYME mobile app. Once you are logged in:</p> 575 <p class="mb-4">For loans:</p> 576 <p class="mb-2">1. Click on the loan account tile to view the product page.</p> 577 <p class="mb-2">2. Then, click the âManage loanâ action.</p> 578 <p class="mb-2">3. On the Manage loan page, click âView loan detailsâ.</p> 579 <p class="mb-4">4. On the Loan details page you can view details about your loan, including loan amount, balance owing, repayment amount and loan number.</p> 580 <p class="mb-4">For credit card:</p> 581 <p class="mb-2">1. Tap the credit card account tile.</p> 582 <p class="mb-2">2. On the product page, tap 'View card' on the small card to see the credit card number, expiry date, and CVV.</p> 583 <hr class="hr-faq"/> 584 </div> 585 <div class="mb-0"> 586 <h4 class="font-bold text-mmeForest mb-8">Why is my account suspended?</h4> 587 <p class="mb-4">Your account may be suspended due to the existing arrears. Please clear your overdue balance to continue using your account.</p> 588 <p class="mb-4">If your account is up to date and appears to be suspended, please <a href="/contact-us" class="font-black text-mmeForest underline">contact</a> our friendly payments team.</p> 589 <hr class="hr-faq"/> 590 </div> 591 <div class="mb-0"> 592 <h4 class="font-bold text-mmeForest mb-8">How long does it take to receive a closure statement once the loan is closed?</h4> 593 <p class="mb-4">A repaid confirmation email will be sent to you within 5 minutes after your loan
593is closed.</p> 594 <hr class="hr-faq"/> 595 </div> 596 <div class="mb-0"> 597 <h4 class="font-bold text-mmeForest mb-8">I want to close my account</h4> 598 <p class="mb-4">To close your account, give us a call and one of our agents will help you get it sorted.</p> 599 <hr class="hr-faq"/> 600 </div> 601 <div class="mb-0"> 602 <h4 class="font-bold text-mmeForest mb-8">I want to increase my repayments</h4> 603 <p class="mb-4">Give us a call and one of our agents will help you get it sorted.</p> 604 <hr class="hr-faq"/> 605 </div> 606 `,icon:"/images/faq/faq-icon9.svg"},{title:"Refinancing",description:` 607 <div class="mb-0"> 608 <h4 class="font-bold text-mmeForest mb-8">What is refinancing and how does it work?</h4> 609 <p class="mb-4">Refinancing is when you pay off a current loan or credit card balance with a new loan. This can help lower your interest rate or reduce monthly payments by extending the loan period. To refinance your MONEYME loan or credit card, please call our customer service team o 1300 669 059.</p> 610 <hr class="hr-faq"/> 611 </div> 612 <div class="mb-0"> 613 <h4 class="font-bold text-mmeForest mb-8">What are the benefits of refinancing?</h4> 614 <p class="mb-4">Refinancing can offer several benefits, including lower monthly payments, reduced interest rates, the ability to consolidate multiple debts into one loan, and potentially saving money over the life of the loan. </p> 615 <hr class="hr-faq"/> 616 </div> 617 <div class="mb-0"> 618 <h4 class="font-bold text-mmeForest mb-8">Can I consolidate other debts into my MONEYME loan? </h4> 619 <p class="mb-4">To consolidate multiple debts, you will need to apply for our debt consolidation loan. Find out your rate and repayments without impacting your credit score <a href="/debt-consolidation" class="font-black text-mmeForest underline">here.</a></p> 620 <p class="mb-4">If you have an existing MONEYME loan, include your loan as one of the debts you would like to consolidate. You can view your remaining balance in the MONEYME app.</p> 621 <hr class="hr-faq"/> 622 </div> 623 <div class="mb-0"> 624 <h4 class="font-bold text-mmeForest mb-8">Can I refinance a loan or credit card from another provider to a MONEYME loan?</h4> 625 <p class="mb-4">If you are looking to refinance a loan or a credit card from a different provider, you can ask for a payout letter from your current provider and apply for a MONEYME personal loan to pay out your remaining balance. </p> 626 <p class="mb-4">If you would like to consolidate multiple debts, you can apply for a debt consolidation loan here. With MONEYME, you can check your rate and repayments for our debt before you apply and without impacting your credit score. </p> 627 <hr class="hr-faq"/> 628 </div> 629 <div class="mb-0"> 630 <h4 class="font-bold text-mmeForest mb-8">Am I eligible to refinance my MONEYME loan or credit card? </h4> 631 <p class="mb-4">Eligibility for refinancing depends on various factors such as your credit score, income, existing debt, and payment history. Our customer service team can let you know
631whether you are eligible to refinance your loan. </p> 632 <hr class="hr-faq"/> 633 </div> 634 `,icon:"/images/faq/faq-icon10.svg"},{title:"Members area",description:` 635 <div class="mb-0"> 636 <h4 class="font-bold text-mmeForest mb-8">I have forgotten my password or passcode</h4> 637 <p class="mb-4">To retrieve your passcode:</p> 638 <p class="mb-2">1. Go to <a href="/login" data-action="login-page-redirect" class="font-black text-mmeForest underline">Moneyme login</a>.</p> 639 <p class="mb-2">2. Click âForgot passcodeâ.</p> 640 <p class="mb-2">3. Provide the email address and mobile number connected to your MONEYME account.</p> 641 <p class="mb-2">4. We will send you an email with a code.</p> 642 <p class="mb-2">5. Enter the verification code to verify your identity.</p> 643 <p class="mb-2">6. Once your identity is verified, you'll be able to create a new passcode for your account.</p> 644 <hr class="hr-faq"/> 645 </div> 646 <div class="mb-0"> 647 <h4 class="font-bold text-mmeForest mb-8">I have forgotten my email or mobile number</h4> 648 <p class="mb-4">If you canât remember which email address you gave us, or you need to update your address, please <a href="/contact-us" class="font-black text-mmeForest underline">contact us</a> and one of our agents will update your information.</p> 649 <hr class="hr-faq"/> 650 </div> 651 <div class="mb-0"> 652 <h4 class="font-bold text-mmeForest mb-8">I need to update my email or mobile number</h4> 653 <p class="mb-4">To update your email or mobile number, please call us and one of our agents will update your information.</p> 654 <hr class="hr-faq"/> 655 </div> 656 <div class="mb-0"> 657 <h4 class="font-bold text-mmeForest mb-8">I need to update my bank details</h4> 658 <p class="mb-4">To update your bank details, please call us and one of our agents will update your information.</p> 659 <hr class="hr-faq"/> 660 </div> 661 <div class="mb-0"> 662 <h4 class="font-bold text-mmeForest mb-8">What is my passcode?</h4> 663 <p class="mb-4">Your passcode is the 4-digit code that you set up during your application. If you canât remember your passcode, simply go to <a href="/login" data-action="login-page-redirect" class="font-black text-mmeForest underline">www.moneyme.com.au/login</a> and click âForgot passcodeâ to reset it.</p> 664 <hr class="hr-faq"/> 665 </div> 666 <div class="mb-0"> 667 <h4 class="font-bold text-mmeForest mb-8">How can I access my account details?</h4> 668 <p class="mb-4">You can access your account details in your members area.</p> 669 <p class="mb-4">To access your details via the members area, you can log in at <a href="/login" data-action="login-page-redirect" class="font-black text-mmeForest underline">www.moneyme.com.au/login</a>.</p> 670 <p class="mb-4">Alternatively, you can also view your account details via the MONEYME mobile app. Once youâre logged in:</p> 671 <p class="mb-2">1. Click on the loan account tile to view the product page.</p> 672 <p class="mb-2">2. Then, click the âManage loanâ action.</p> 673 <p class="mb-2">3. On the Manage loan page, click âView loan detailsâ.</p> 674 <p class="mb-2">4. On the Loan details page you can view details about the loan including:</p> 675 <p class="mb-2 ml-5">a. Loan amount</p> 676 <p class="mb-2 ml-5">b. Loan term</p> 677 <p class="mb-2 ml-5">c. Repayment amount and frequency</p> 678 <p class="mb-2 ml-5">d. Balance owing</p> 679 <p class="mb-2 ml-5">e. Date applied</p> 680 <p class="mb-2 ml-5">f. Interest rate</p> 681 <p class="mb-2 ml-5">g. Loan number</p> 682 <hr class="hr-faq"/> 683 </div> 684 <div class="mb-0"> 685 <h4 class="font-bold text-mmeForest mb-8">What do I use to log in to my account?</h4> 686 <p class="mb-4">To log in, simply enter the email address you entered during your application and the 4-digit passcode youâve created for your account.</p> 687 <hr class="hr-faq"/> 688 </div> 689 <div class="mb-0"> 690 <h4 class="font-bold text-mmeForest mb-8">I canât access my account</h4> 691 <p class="mb-4">If you are having trouble logging in to your account, please give us a call and one of our agents can help you recover your account.</p> 692 <hr class="hr-faq"/> 693 </div> 694 `,icon:"/images/faq/faq-icon11.svg"},{title:"Cashback Rewards Credit Card",description:` 695 <div class="mb-0"> 696 <h4 class="font-bold text-mmeForest mb-8">What is the MONEYME Cashback Rewards Credit Card?</h4> 697 <p class="mb-4">The MONEYME Cashback Rewards Credit Card is a digital card product offered by MONEYME that lets you earn 1% cashback on eligible card purchases. It comes with mobile phone protection insurance and ticket purchase protection.</p> 698 <hr class="hr-faq"/> 699 </div> 700 <div class="mb-0"> 701 <h4 class="font-bold text-mmeForest mb-8">How do I earn cashback on my purchases?</h4> 702 <p class="mb-4">You will earn 1% cashback on every eligible card purchase you make, whether in-store or online. However, please note that we have a rewards earnings cap included in your rewards terms and conditions, which means you will not earn additional cashback when your spending exceeds your credit limit.</p> 703 <hr class="hr-faq"/> 704 </div> 705 <div class="mb-0"> 706 <h4 class="font-bold text-mmeForest mb-8">Do I need to activate the insurance and purchase protection?</h4> 707 <p class="mb-4">No activation is needed. Your mobile phone protection insurance and ticket purchase protection are automatically included when you use your MONEYME Cashback Rewards Credit Card. Thereâs nothing extra you need to do to activate them.</p> 708 <hr class="hr-faq"/> 709 </div> 710 <div class="mb-0"> 711 <h4 class="font-bold text-mmeForest mb-8">Is the MONEYME Cashback Rewards Credit Card interest-free?</h4> 712 <p class="mb-4">The MONEYME Cashback Rewards Credit Card offers up to 44 days interest-free on purchases. This means you wonât be charged any interest if you pay your full statement balance by the due date. Essentially, youâll have up to 44 days from the purchase date before any interest is applied.</p> 713 <hr class="hr-faq"/> 714 </div> 715 <div class="mb-0"> 716 <h4 class="font-bold text-mmeForest mb-8">How do I view or check my earned cashback?</h4> 717 <p class="mb-4">You can easily check your earned cashback right in the MONEYME app. Hereâs how:</p> 718 <p class="mb-4">1. Log in to the MONEYME app.</p> 719 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 720 <p class="mb-4">3. Just above your digital card, youâll see an information bar showing your earned cashback.</p> 721 <p class="mb-4">4. Tap the information bar to view your all-time cashback and pending c
721ashback details.</p> 722 <hr class="hr-faq"/> 723 </div> 724 <div class="mb-0"> 725 <h4 class="font-bold text-mmeForest mb-8">What does pending cashback mean?</h4> 726 <p class="mb-4">Pending cashback is the cashback youâve earned from recent purchases that hasnât been credited to your account yet. It will appear as pending until your statement period ends and the cashback is applied to your balance.</p> 727 <hr class="hr-faq"/> 728 </div> 729 <div class="mb-0"> 730 <h4 class="font-bold text-mmeForest mb-8">What type of transactions are eligible for cashback?</h4> 731 <p class="mb-4">You can earn cashback on all eligible card purchases you make with the MONEYME Cashback Rewards Credit Card, including online shopping and in-store transactions.</p> 732 <hr class="hr-faq"/> 733 </div> 734 <div class="mb-0"> 735 <h4 class="font-bold text-mmeForest mb-8">Which transactions are excluded from earning cashback?</h4> 736 <p class="mb-4">Transactions such as gambling, wire transfers, money orders, and quasi-cash transactions like crypto purchases or similar cash-equivalent payments are not eligible for cashback.</p> 737 <hr class="hr-faq"/> 738 </div> 739 <div class="mb-0"> 740 <h4 class="font-bold text-mmeForest mb-8">How do I claim my earned cashback?</h4> 741 <p class="mb-4">Your cashback is applied as a statement credit each month. When you get your monthly statement, youâll see what cashback you earned from purchases in the past month. This is added to your account when you pay the minimum payment amount on or before the due date. Youâll see your cashback credits applied to your account in the transactions listing and your next statement.</p> 742 <hr class="hr-faq"/> 743 </div> 744 <div class="mb-0"> 745 <h4 class="font-bold text-mmeForest mb-8">Is there a limit to how much cashback I can earn each month?</h4> 746 <p class="mb-4">Yes. There is a spending limit that applies to each statement period and is included in your rewards terms and conditions. If your spending during the statement period exceeds your spending cap, you stop earning cashback. For example, if your spending limit is $5,000 and you spent $6,000 in one statement period, you would earn $50 in cashback.</p> 747 <hr class="hr-faq"/> 748 </div> 749 <div class="mb-0"> 750 <h4 class="font-bold text-mmeForest mb-8">Can I still earn cashback when spending overseas?</h4> 751 <p class="mb-4">Yes. Youâll earn cashback on eligible international purchases when you use your MONEYME Cashback Rewards Credit Card overseas or for foreign currency transactions.</p> 752 <hr class="hr-faq"/> 753 </div> 754 <div class="mb-0"> 755 <h4 class="font-bold text-mmeForest mb-8">Can I use cashback to pay off my credit card balance?</h4> 756 <p class="mb-4">Your cashback is automatically applied as a statement credit, which helps reduce the amount owing on your account.</p> 757 <p class="mb-4">Each month, youâll see the cashback you earned from your purchases on your statement. Once youâve made at least the minimum payment by the due date, your cashback credit will be added to your account. You can view these cashback credits in your transaction history and on your next statement.</p> 758 <hr class="hr-faq"/> 759 </div> 760 <div class="mb-0"> 761 <h4 class="font-bold text-mmeForest mb-8">Can I withdraw cash using my card?</h4> 762 <p class="mb-4">Yes, you can withdraw cash using your MONEYME Cashback Rewards Credit Card, but keep in mind that a 3% cash advance fee and a higher rate of interest apply.</p> 763 <hr class="hr-faq"/> 764 </div> 765 <div class="mb-8"> 766 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Eligibility and application</h2> 767 </div> 768 <div class="mb-0"> 769 <h4 class="font-bold text-mmeForest mb-8">Who can apply for the MONEYME Cashback Rewards Credit Card?</h4> 770 <p class="mb-4">To apply, you must:</p> 771 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 772 <li>Be an Australian citizen, a New Zealand citizen living in Australia, or a Permanent Resident </li> 773 <li>Be at least 18 years old</li> 774 <li>Earn more than $30,000 p.a. from employment</li> 775 <li>Have an average credit score or better, with a credit report free of any form of bankruptcy</li> 776 </ol> 777 <hr class="hr-faq"/> 778 </div> 779 <div class="mb-0"> 780 <h4 class="font-bold text-mmeForest mb-8">How do I apply for a Cashback Rewards Credit Card?</h4> 781 <p class="mb-4">You can apply through the <a href="/credit-card/cashback-credit-card">website</a>. Itâs 100% online, and you can do it using your mobile or computer. Thereâs no need to visit a physical branch to complete and submit your application.</p> 782 <p class="mb-4">The application typically takes minutes, with approvals in as little as 60 minutes.</p> 783 <hr class="hr-faq"/> 784 </div> 785 <div class="mb-0"> 786 <h4 class="font-bold text-mmeForest mb-8">What documents do I need to submit?</h4> 787 <p class="mb-4">You may need to provide your bank statements from the past 90 days to show your recent banking activity. Weâll also ask for a copy of your valid government-issued ID and a quick face verification to confirm your identity.</p> 788 <hr class="hr-faq"/> 789 </div> 790 <div class="mb-0"> 791 <h4 class="font-bold text-mmeForest mb-8">What documents do I need to verify my identity?</h4> 792 <p class="mb-4">Verifying your identity only takes a minute. Youâll need to provide a valid government-issued ID (such as a driverâs licence or passport) and complete a quick face verification.</p> 793 <hr class="hr-faq"/> 794 </div> 795 <div class="mb-8"> 796 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Repayments</h2> 797 </div> 798 <div class="mb-0"> 799 <h4 class="font-bold text-mmeForest mb-8">How can I make repayments for my MONEYME Cashback Rewards Credit Card?</h4> 800 <p class="mb-4">You can make repayments easily through the MONEYME app. Choose from real-time payments via direct debit or PayTo, or pay using your debit card. BPAY is not available at the moment.</p> 801 <hr class="hr-faq"/> 802 </div> 803 <div class="mb-0"> 804 <h4 class="font-bold text-mmeForest mb-8">How long do repayments take to process?</h4> 805 <p class="mb-4">Repayment processing time is different based on your repayment method. If you are making repayments by direct debit these can take 2-3 days to process, but for debit cards or PayTo we can process these repayments in real time, and youâll see your balance update in a few minutes.</p> 806 <hr class="hr-faq"/> 807 </div> 808 <div class="mb-0"> 809 <h4 class="font-bold text-mmeForest mb-8">How much is the minimum repayment?</h4> 810 <p class="mb-4">Your minimum repayment is 3% of your outstanding balance or $30, whichever is greater. If your balance is less than $30, your minimum payment will be your closing balance.</p> 811 <hr class="hr-faq"/> 812 </div> 813 <div class="mb-0"> 814 <h4 class="font-bold text-mmeForest mb-8">How do I know if my repayment is due?</h4> 815 <p class="mb-4">You can check your repayment schedule anytime in the MONEYME app. Just log in to see your upcoming payment dates and amounts. For extra convenience, turn on push notifications so youâll get timely reminders before each repayment is due.</p> 816 <hr class="hr-faq"/> 817 </div> 818 <div class="mb-0"> 819 <h4 class="font-bold text-mmeForest mb-8">Why was my repayment declined?</h4> 820 <p class="mb-4">Typically, repayments are declined due to insufficient funds in your account. If you had enough money in your account to make the repayment, please reach out to your bank for more information on why they might have declined the transaction.</p> 821 <hr class="hr-faq"/> 822 </div> 823 <div class="mb-0"> 824 <h4 class="font-bold text-mmeForest mb-8">Do I get charged extra for late or missed payments?</h4> 825 <p class="mb-4">Yes. If your repayment is late or missed, a $35 overdue fee will apply. To help you stay on track, you can set up automatic payments so you never miss a due date. Thereâs also a $15 dishonour fee if a scheduled payment fails.</p> 826 <hr class="hr-faq"/> 827 </div> 828 <div class="mb-0"> 829 <h4 class="font-bold text-mmeForest mb-8">How do I set up automatic payments?</h4> 830 <p class="mb-4">Setting up automatic payments is quick and easy, especially if you already have a nominated bank account saved in your profile.</p> 831 <p class="mb-4">If you wish to change your preferred bank account for repayments, hereâs how:</p> 832 <p class="mb-4">1. Log in to the MONEYME app.</p> 833 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 834 <p class="mb-4">3. On the card homepage, select âManage cardâ.</p> 835 <p class="mb-4">4. Under âYour account', tap 'Manage repaymentsâ.</p> 836 <p class="mb-4">
8365. Check which payment method is marked as âPreferredâ.</p> 837 <p class="mb-4 ml-4">a. If itâs not your nominated bank account, select the correct one and tap âSet as preferredâ.</p> 838 <p class="mb-4 ml-4">b. If it already shows as âPreferredâ, no further action is needed. Your payments will continue to be automatic or direct debited.</p> 839 <hr class="hr-faq"/> 840 </div> 841 <div class="mb-0"> 842 <h4 class="font-bold text-mmeForest mb-8">Can I transfer my existing card balance to another account?</h4> 843 <p class="mb-4">Not at the moment. The MONEYME Cashback Rewards Credit Card doesnât currently support balance transfers.</p> 844 <hr class="hr-faq"/> 845 </div> 846 <div class="mb-8"> 847 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Fees and interests</h2> 848 </div> 849 <div class="mb-0"> 850 <h4 class="font-bold text-mmeForest mb-8">What fees apply to the MONEYME Cashback Rewards Credit Card?</h4> 851 <p class="mb-4">Hereâs a quick summary of fees and charges:</p> 852 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 853 <li>Annual fee: $149 (charged at account opening and annually)</li> 854 <li>Monthly fee: $0</li> 855 <li>International transaction fee: 3% (after conversion to AUD)</li> 856 <li>Cash advance fee: 3%</li> 857 <li>Dishonour fee: $15</li> 858 <li>Overdue fee: $35</li> 859 <li>Disputed transaction fee: $25 (if dispute not successful)</li> 860 </ol> 861 <hr class="hr-faq"/> 862 </div> 863 <div class="mb-0"> 864 <h4 class="font-bold text-mmeForest mb-8">How is interest calculated on my balance?</h4> 865 <p class="mb-4">Interest is calculated daily and charged monthly. We calculate a daily interest rate (this is your annual percentage rate divided by 365, or 366 for a leap year) and calculate the interest that is owed each day. Youâll see any interest charges on your monthly statement.</p> 866 <p class="mb-4">Purchases on your credit card are subject to an interest-free period of up to 44 days. This means you wonât be charged any interest if you pay your full statement balance by the due date, giving you up to 44 days from the purchase date before any interest applies.</p> 867 <hr class="hr-faq"/> 868 </div> 869 <div class="mb-0"> 870 <h4 class="font-bold text-mmeForest mb-8">Why was I charged a late payment fee?</h4> 871 <p class="mb-4">A late payment fee is most likely charged because the payment isnât made by the due date. If you think there has been a mistake or you shouldnât have been charged, please contact our support team so we can review your account.</p> 872 <hr class="hr-faq"/> 873 </div> 874 <div class="mb-0"> 875 <h4 class="font-bold text-mmeForest mb-8">What is the card purchase rate?</h4> 876 <p class="mb-4">Your card purchase rate is the interest charged on everyday purchases made with your MONEYME Cashback Rewards Credit Card. This rate ranges from 19.99% to 26.99% p.a., depending on factors like your credit history, income, debt obligations and living expenses.</p> 877 <hr class="hr-faq"/> 878 </div> 879 <div class="mb-0"> 880 <h4 class="font-bold text-mmeForest mb-8">What is the cash advance rate?</h4> 881 <p class="mb-4">Your cash advance rate applies when you withdraw cash from your credit card. This rate ranges from 22.99% to 29.99% p.a. (typically 3% higher than your card purchase rate). Like your purchase rate, itâs personalised based on your financial profile.</p> 882 <hr class="hr-faq"/> 883 </div> 884 <div class="mb-0"> 885 <h4 class="font-bold text-mmeForest mb-8">What are foreign transaction fees?</h4> 886 <p class="mb-4">A foreign transaction fee (sometimes called an international transaction fee) is an additional charge applied when you make a purchase in a different currency or outside Australia.</p> 887 <p class="mb-4">You may be charged a foreign transaction fee when you:</p> 888 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 889 <li>Travel abroad and use your card: for example, using your credit card to pay for dinner, transport, or hotel bookings while in another country.</li> 890 <li>Shop online from overseas stores: buying from a website based outside Australia that charges you in a foreign currency (e.g. Pounds or Yen).</li> 891 </ol> 892 <p class="mb-4">MONEYMEâs Cashback Rewards Credit Card has a 3% international transaction fee that applies to the transaction amount after itâs converted to AUD.</p> 893 <hr class="hr-faq"/> 894 </div> 895 <div class="mb-0"> 896 <h4 class="font-bold text-mmeForest mb-8">How can I avoid or reduce fees?</h4> 897 <p class="mb-4">You can keep fees to a minimum by staying on top of your payments and being mindful about how you use your card.</p> 898 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 899 <li>Pay on time to avoid late fees and interest.</li> 900 <li>Skip cash advances as they usually attract higher fees and interest.</li> 901 <li>Shop local where you can to avoid international transaction fees.</li> 902 </ol> 903 <hr class="hr-faq"/> 904 </div> 905 <div class="mb-8"> 906 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Billing and transaction</h2> 907 </div> 908 <div class="mb-0"> 909 <h4 class="font-bold text-mmeForest mb-8">How do I dispute a charge on my credit card?</h4> 910 <p class="mb-4">If you notice a charge on your credit card that doesnât look right, you can raise a dispute by contacting us immediately on 1300 669 059 or <a href="mailto:[email protected]">[email protected]</a>.</p> 911 <p class="mb-4">Please note that before you dispute a transaction:</p> 912 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 913 <li>Temporarily block your card to prevent further transactions.</li> 914 <li>Check whether the purchase was made by a secondary cardholder or family members.</li> 915 <li>Google the business to see if it trades under a different name.</li> 916 <li>Check whether it is a purchase authorisation (e.g. security deposit on a hotel).</li> 917 <li>Check any memberships, app purchases or magazine subscriptions you may have.</li> 918 </ol> 919 <p class="mb-4">Please note that a $25 fee applies if the disputed transaction is reviewed and the dispute is not successful.</p> 920 <hr class="hr-faq"/> 921 </div> 922 <div class="mb-0"> 923 <h4 class="font-bold text-mmeForest mb-8">What should I do if I don't recognise a transaction?</h4> 924 <p class="mb-4">If you see an unauthorised or unfamiliar transaction, double-check whether the merchant name looks different from the store name you visited (this is quite common).</p> 925 <p class="mb-4">If you still donât recognise the charge, contact us so we can review it and help you start a dispute if needed.</p> 926 <hr class="hr-faq"/> 927 </div> 928 <div class="mb-0"> 929 <h4 class="font-bold text-mmeForest mb-8">Why was my card charged multiple times for the same purchase?</h4> 930 <p class="mb-4">Duplicate credit card charges can happen if a merchantâs system accidentally processes your payment more than once.</p> 931 <p class="mb-4">If you notice a duplicate transaction, reach out to us so we can help investigate and resolve the issue.</p> 932 <hr class="hr-faq"/> 933 </div> 934 <div class="mb-0"> 935 <h4 class="font-bold text-mmeForest mb-8">How long do chargebacks take to resolve?</h4> 936 <p class="mb-4">Once youâve submitted a chargeback request, our team will review your claim and get back to you with the next steps within 5 business days.</p> 937 <hr class="hr-faq"/> 938 </div> 939 <div class="mb-0"> 940 <h4 class="font-bold text-mmeForest mb-8">How do I request a chargeback?</h4> 941 <p class="mb-4">To request a chargeback, youâll need to send us an email via <a href="mailto:[email protected]">[email protected]</a> or call us on 1300 669 059.</p> 942 <p class="mb-4">
942You can share with us any supporting documents you have. These could include things like:</p> 943 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 944 <li>Communications youâve had with the merchant</li> 945 <li>Photos of goods that arrived damaged or werenât delivered</li> 946 </ol> 947 <hr class="hr-faq"/> 948 </div> 949 <div class="mb-8"> 950 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Fraud and security</h2> 951 </div> 952 <div class="mb-0"> 953 <h4 class="font-bold text-mmeForest mb-8">How do I report fraudulent activity on my account?</h4> 954 <p class="mb-4">If you notice any fraudulent activity on your MONEYME account or credit card, or if the device holding your card has been lost or stolen, please contact us immediately so we can help secure your account.</p> 955 <p class="mb-4">While we review your case, you can also temporarily block or freeze your card through the MONEYME app to prevent further unauthorised transactions. Hereâs how to block your card:</p> 956 <p class="mb-4">1. Log in to the MONEYME app.</p> 957 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 958 <p class="mb-4">3. Once youâre on the credit card homepage, tap 'Manage card'.</p> 959 <p class="mb-4">4. Under âCard managementâ, switch on the toggle for 'Block card'.</p> 960 <p class="mb-4">5. A confirmation modal will appear.</p> 961 <p class="mb-4">6. Tap âYes, block card' to confirm the action.</p> 962 <hr class="hr-faq"/> 963 </div> 964 <div class="mb-0"> 965 <h4 class="font-bold text-mmeForest mb-8">What happens if my card is stolen or lost?</h4> 966 <p class="mb-4">MONEYME cards are digital, but if someone has gained access to your card details or you see unauthorised transactions, you can block your card or request a new one through the MONEYME app.</p> 967 <hr class="hr-faq"/> 968 </div> 969 <div class="mb-0"> 970 <h4 class="font-bold text-mmeForest mb-8">How quickly will I get a replacement card?</h4> 971 <p class="mb-4"> 972 The option to replace your card directly in the app will be available soon, so please stay tuned. In the meantime, you may send a replacement request by emailing us at <a href="mailto:[email protected]">[email protected]</a> with the following details: 973 </p> 974 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 975 <li>Subject: Credit card replacement request</li> 976 <li>In your message, please include your reason for requesting a new card.</li> 977 <li><b>If your card is about to expire:</b> Weâll automatically re-issue a new one 2 months before your expiry date. You may wait for this automatic reissue or request a replacement card sooner if needed.</li> 978 </ol> 979 <hr class="hr-faq"/> 980 </div> 981 <div class="mb-0"> 982 <h4 class="font-bold text-mmeForest mb-8">How can I create or update my card PIN?</h4> 983 <p class="mb-4">You can set or create your card PIN at any time directly from the MONEYME app. Hereâs how:</p> 984 <p class="mb-4">1. Log in to the MONEYME app.</p> 985 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 986 <p class="mb-4">3. Under âSecurity', select 'Manage card PINâ.</p> 987 <p class="mb-4">4. Type your preferred 4-digit card PIN.</p> 988 <p class="mb-4">5. Confirm your request by entering the verification code sent to your mobile.</p> 989 <p class="mb-4">For your security, avoid using PINs that include personal details or easy-to-guess patterns, such as your birthday, mobile number, or any numbers related to your account or application.</p> 990 <hr class="hr-faq"/> 991 </div> 992 <div class="mb-0"> 993 <h4 class="font-bold text-mmeForest mb-8">How can I prevent credit card fraud?</h4> 994 <p class="mb-4">Avoid sharing your card details, use secure websites when shopping online, and regularly check your transactions for anything unusual.</p> 995 <hr class="hr-faq"/> 996 </div> 997 <div class="mb-8"> 998 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Card management and troubleshooting</h2> 999 </div> 1000 <div class="mb-0"> 1001 <h4 class="font-bold text-mmeForest mb-8">How can I view my card details?</h4> 1002 <p class="mb-4">Keeping track of your card details is simple in the MONEYME app. Hereâs how to find them:</p> 1003 <p class="mb-4">1. Log in to the MONEYME app.</p> 1004 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 1005 <p class="mb-4">
10053. Tap 'View card' on your digital card.</p> 1006 <p class="mb-4">4. Confirm your identity using Face ID. If biometrics arenât enabled, youâll be prompted to enter your 4-digit passcode instead.</p> 1007 <p class="mb-4">5. You can now view your card details or copy them when needed.</p> 1008 <hr class="hr-faq"/> 1009 </div> 1010 <div class="mb-0"> 1011 <h4 class="font-bold text-mmeForest mb-8">How can I view, access or download my account statement?</h4> 1012 <p class="mb-4">You can easily view or download your statement of account (SOA) straight from the MONEYME app. Just follow these steps:</p> 1013 <p class="mb-4">1. Log in to the MONEYME app.</p> 1014 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 1015 <p class="mb-4">3. Under âCard managementâ, select 'View account statements'.</p> 1016 <p class="mb-4">4. Tap 'Download PDF' to obtain a copy of your most recent statement.</p> 1017 <p class="mb-4">5. To download a copy of past statements, select the 'Previous' tab and tap the download icon beside the statement you wish to download.</p> 1018 <hr class="hr-faq"/> 1019 </div> 1020 <div class="mb-0"> 1021 <h4 class="font-bold text-mmeForest mb-8">How can I update, change or manage my payment method?</h4> 1022 <p class="mb-4"> 1023 The option to manage payment methods directly in the app will be available soon, so please stay tuned. In the meantime, please call us on 1300 669 059 and one of our friendly agents can assist you. 1024 </p> 1025 <hr class="hr-faq"/> 1026 </div> 1027 <div class="mb-0"> 1028 <h4 class="font-bold text-mmeForest mb-8">How can I replace my card?</h4> 1029 <p class="mb-4">You can request a replacement right in the MONEYME app. To get started:</p> 1030 <p class="mb-4">1. Log in to the MONEYME app.</p> 1031 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 1032 <p class="mb-4">3. Under âSecurity', select 'Block and replace cardâ.</p> 1033 <p class="mb-4">4. Choose the reason for your replacement request.</p> 1034 <p class="mb-4">5. Confirm your request by entering the verification code sent to your mobile.</p> 1035 <p class="mb-4">6. Your new card is ready.</p> 1036 <p class="mb-4">Once confirmed, your new card will be ready to use. You can also update your card PIN if youâd like.</p> 1037 <p class="mb-4">Please take note that we automatically reissue cards two months before expiry, but you can also manually request a replacement via the app if it is close to expiring.</p> 1038 <hr class="hr-faq"/> 1039 </div> 1040 <div class="mb-0"> 1041 <h4 class="font-bold text-mmeForest mb-8">How can I adjust my credit limit?</h4> 1042 <p class="mb-4">If youâre looking to change or update your credit limit, you can do it directly from the MONEYME app. Hereâs how:</p> 1043 <p class="mb-4">1. Log in to the MONEYME app.</p> 1044 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 1045 <p class="mb-4">3. Under âCard management', select 'Manage card limitsâ.</p> 1046 <p class="mb-4">4. Tap 'Credit card limit'. A modal will appear where you can adjust your credit limit.</p> 1047 <p class="mb-4">5. Save your changes.</p> 1048 <p class="mb-4">In this section, you can also update your daily spend limit and cash advance limit. Please note that credit limit increase requests for the MONEYME Cashback Rewards Credit Card arenât available yet, but this feature is coming soon.</p> 1049 <hr class="hr-faq"/> 1050 </div> 1051 <div class="mb-0"> 1052 <h4 class="font-bold text-mmeForest mb-8">How do I close my credit card account?</h4> 1053 <p class="mb-4">The option to close your credit card account directly in the app will be available soon, so please stay tuned. In the meantime, you may send your request by emailing us at <a href="mailto:[email protected]">[email protected]</a> with the following details:</p> 1054 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1055 <li>Subject: Credit card account closure request</li> 1056 <li>In your message, please include your reason for closing your account and the exact date you'd like to close it</li> 1057 </ol> 1058 <p class="mb-4">If youâre sending from a different address than the one linked to your MONEYME account, please include your full name and contact details so we can identify your account.</p> 1059 <hr class="hr-faq"/> 1060 </div> 1061 <div class="mb-0"> 1062 <h4 class="font-bold text-mmeForest mb-8">
1062How can I add my card to my Apple Wallet or Google Wallet?</h4> 1063 <p class="mb-4">Adding your MONEYME Cashback Rewards Credit Card to your Apple or Google Wallet is easy. To set it up:</p> 1064 <p class="mb-4">1. Log in to the MONEYME app.</p> 1065 <p class="mb-4">2. Tap âManage cardâ.</p> 1066 <p class="mb-4">3. Below your virtual card, select âAdd to Apple walletâ or 'Add to Google Wallet'.</p> 1067 <p class="mb-4">4. Follow the setup prompts to complete the process.</p> 1068 <p class="mb-4">5. Once done, youâll be redirected back to the MONEYME app, and your card will be ready to use.</p> 1069 <hr class="hr-faq"/> 1070 </div> 1071 <div class="mb-8"> 1072 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Account management</h2> 1073 </div> 1074 <div class="mb-0"> 1075 <h4 class="font-bold text-mmeForest mb-8">Why was my account frozen or closed?</h4> 1076 <p class="mb-4">An account may be frozen or closed due to overdue payments or security concerns. If you think your account being frozen or closed was a mistake, or if you have any questions regarding the security of your account, please contact us immediately at 1300 669 059 or send us an email at <a href="mailto:[email protected]">[email protected]</a>.</p> 1077 <hr class="hr-faq"/> 1078 </div> 1079 <div class="mb-0"> 1080 <h4 class="font-bold text-mmeForest mb-8">How do I update my personal information?</h4> 1081 <p class="mb-4">You can use the mobile app to change or edit your personal details.</p> 1082 <p class="mb-4">1. Log in to the MONEYME app.</p> 1083 <p class="mb-4">2. On the navigation tab, tap 'Profile'.</p> 1084 <p class="mb-4">3. Tap 'Account details'.</p> 1085 <p class="mb-4">4. Under 'Your information', tap the icon for the information you wish to view or edit.</p> 1086 <p class="mb-4">Please take note that some fields are not editable for your accountâs security, and you will need to contact our support team for extra steps in confirming your request to update your information.</p> 1087 <hr class="hr-faq"/> 1088 </div> 1089 <div class="mb-0"> 1090 <h4 class="font-bold text-mmeForest mb-8">How do I change my address, email or phone number?</h4> 1091 <p class="mb-4">If you wish to edit or update your residential address, email address or mobile number, you may call us at 1300 669 059 or send us an email at <a href="mailto:[email protected]">[email protected]</a> so one of our team members can assist you.</p> 1092 <hr class="hr-faq"/> 1093 </div> 1094 <div class="mb-0"> 1095 <h4 class="font-bold text-mmeForest mb-8">Why can't I access my account online?</h4> 1096 <p class="mb-4">You can see your credit card limit and balance and manage your account in the MONEYME mobile app. If youâre having difficulties logging in, please contact us.</p> 1097 <hr class="hr-faq"/> 1098 </div> 1099 <div class="mb-8"> 1100 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Credit limits</h2> 1101 </div> 1102 <div class="mb-0"> 1103 <h4 class="font-bold text-mmeForest mb-8">What factors affect credit limit decisions?</h4> 1104 <p class="mb-4">When assessing your credit limit, we consider several key factors such as your credit score, income, existing debts, and everyday living expenses. These details help us determine a credit limit that best matches your financial situation and ability to repay.</p> 1105 <hr class="hr-faq"/> 1106 </div> 1107 <div class="mb-0"> 1108 <h4 class="font-bold text-mmeForest mb-8">How do I check my available credit and current balance?</h4> 1109 <p class="mb-4">You can view and track your available credit and current balance in your dashboard anytime. Hereâs how:</p> 1110 <p class="mb-4">1. Log in to the MONEYME app.</p> 1111 <p class="mb-4">2. Tap the 'MONEYME Cashback Rewards Card' tile.</p> 1112 <p class="mb-4">3. On the credit cardâs homepage, you will see your available credit and current balance just below your virtual card.</p> 1113 <hr class="hr-faq"/> 1114 </div> 1115 <div class="mb-0"> 1116 <h4 class="font-bold text-mmeForest mb-8">Can I request a credit limit increase on my MONEYME Cashback Rewards Credit Card?</h4> 1117 <p class="mb-4">Not yet. Credit limit increases arenât currently available for the MONEYME Cashback Rewards Credit Card. Weâre working on making this feature available soon, so stay tuned for updates.</p> 1118 <hr class="hr-faq"/> 1119 </div> 1120 <div class="mb-8"> 1121 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Mobile Phone Protection</h2> 1122 </div> 1123 <div class="mb-0"> 1124 <h4 class="font-bold text-mmeForest mb-8">What is Mobile Phone Protection?</h4> 1125 <p class="mb-4">Mobile Phone Protection is complimentary insurance included with your MONEYME Cashback Rewards Credit Card. It helps cover the cost of repairing or replacing your mobile phone if itâs accidentally damaged or stolen.</p> 1126 <hr class="hr-faq"/> 1127 </div> 1128 <div class="mb-0"> 1129 <h4 class="font-bold text-mmeForest mb-8">Do I have to pay extra for this insurance?</h4> 1130 <p class="mb-4">No. This cover is automatically included at no extra cost when you meet the eligibility requirements using your MONEYME Cashback Rewards Credit Card.</p> 1131 <hr class="hr-faq"/> 1132 </div> 1133 <div class="mb-0"> 1134 <h4 class="font-bold text-mmeForest mb-8">What phones are covered?</h4> 1135 <p class="mb-4">Your mobile phone is covered if it:</p> 1136 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1137 <li>Is linked to your postpaid or prepaid mobile plan</li> 1138 <li>Is used for personal (not business or resale) use</li> 1139 <li>Is not a tablet or smartwatch</li> 1140 <li>Is not lost (loss is not covered)</li> 1141 </ol> 1142 <hr class="hr-faq"/> 1143 </div> 1144 <div class="mb-0"> 1145 <h4 class="font-bold text-mmeForest mb-8">How do I activate cover for my Mobile Phone Protection?</h4> 1146 <p class="mb-4">To be covered:</p> 1147 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1148 <li><b>Postpaid plans</b> â Pay your most recent monthly mobile bill using your MONEYME Cashback Rewards Credit Card.</li> 1149 <li><b>Prepaid plans</b> â Pay for a top-up using your MONEYME Cashback Rewards Credit Card.</li> 1150 </ol> 1151 <p class="mb-4">Coverage starts from the first day of the month after payment and continues as long as you keep paying with your card.</p> 1152 <hr class="hr-faq"/> 1153 </div> 1154 <div class="mb-0"> 1155 <h4 class="font-bold text-mmeForest mb-8">What does the insurance cover?</h4> 1156 <p class="mb-4">With the Mobile Phone Protection, you may be covered for accidental damage (e.g. cracked screen affecting functionality) or theft of your mobile phone.</p> 1157 <hr class="hr-faq"/> 1158 </div> 1159 <div class="mb-0"> 1160 <h4 class="font-bold text-mmeForest mb-8">What does the Mobile Phone Protection not cover?</h4> 1161 <p class="mb-4">You wonât be covered for:</p> 1162 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1163 <li>Lost phones</li> 1164 <li>Cosmetic damage only (scratches or dents that donât affect use)</li> 1165 <li>Accessories (other than standard battery/antenna)</li> 1166 <li>Phones left unattended or visible in public or vehicles</li> 1167 <li>Damage caused by misuse, negligence, wear and tear or software issues</li> 1168 <li>Natural disasters</li> 1169 <li>Fraud, scams or mis-delivery</li> 1170 <li>Phones used for business or purchased for resale</li> 1171 </ol> 1172 <hr class="hr-faq"/> 1173 </div> 1174 <div class="mb-0"> 1175 <h4 class="font-bold text-mmeForest mb-8">How much can I claim?</h4> 1176 <p class="mb-4">You can claim up to:</p> 1177 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1178 <li>$900 per claim</li> 1179 <li>$1,500 per year (total)</li> 1180 <li>
1180$37.50 excess per claim</li> 1181 </ol> 1182 <p class="mb-4">All claims are paid in Australian dollars.</p> 1183 <hr class="hr-faq"/> 1184 </div> 1185 <div class="mb-0"> 1186 <h4 class="font-bold text-mmeForest mb-8">Will my phone be repaired or replaced?</h4> 1187 <p class="mb-4">AIG will decide whether to repair or replace your phone. Theyâll pay the lowest of:</p> 1188 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1189 <li>The repair or replacement cost (minus excess)</li> 1190 <li>$900 (per claim limit)</li> 1191 <li>Your remaining annual limit</li> 1192 </ol> 1193 <hr class="hr-faq"/> 1194 </div> 1195 <div class="mb-0"> 1196 <h4 class="font-bold text-mmeForest mb-8">What happens if I miss a bill payment?</h4> 1197 <p class="mb-4">If you donât pay your mobile bill or top-up using your MONEYME Cashback Rewards Credit Card:</p> 1198 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1199 <li>Cover will pause the following month</li> 1200 <li>Cover resumes 15 days after you make your next eligible payment</li> 1201 </ol> 1202 <hr class="hr-faq"/> 1203 </div> 1204 <div class="mb-0"> 1205 <h4 class="font-bold text-mmeForest mb-8">How do I make a claim?</h4> 1206 <p class="mb-4">We encourage you to make a claim as soon as possible after damage or theft. To claim online, please access this link: <a href="https://au.mycardbenefits.com">https://au.mycardbenefits.com</a></p> 1207 <p class="mb-4">Youâll usually need to provide the following:</p> 1208 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1209 <li>Proof of your mobile bill or top-up paid with your card</li> 1210 <li>Phone purchase receipt (if available)</li> 1211 <li>Repair quote (for damage)</li> 1212 <li>Police report (for theft)</li> 1213 </ol> 1214 <p class="mb-4">Take note that you may be asked to send the damaged phone for assessment.</p> 1215 <hr class="hr-faq"/> 1216 </div> 1217 <div class="mb-0"> 1218 <h4 class="font-bold text-mmeForest mb-8">Who provides the insurance?</h4> 1219 <p class="mb-4">The insurance is provided by AIG Australia Limited. MONEYME arranges the cover but does not assess or pay claims.</p> 1220 <hr class="hr-faq"/> 1221 </div> 1222 <div class="mb-0"> 1223 <h4 class="font-bold text-mmeForest mb-8">What if I have a complaint?</h4> 1224 <p class="mb-4">If youâre unhappy with your claim or the service:</p> 1225 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1226 <li>Call AIG Complaints: 1800 339 669</li> 1227 <li>Email: <a href="mailto:[email protected]">[email protected]</a></li> 1228 </ol> 1229 <p class="mb-4">If unresolved, you can contact the Australian Financial Complaints Authority (AFCA) for free.</p> 1230 <hr class="hr-faq"/> 1231 </div> 1232 <div class="mb-0"> 1233 <h4 class="font-bold text-mmeForest mb-8">Can this cover change or end?</h4> 1234 <p class="mb-4">Yes. Cover may change or end if the group policy changes. Eligible claims that arise before termination will still be assessed under the policy.</p> 1235 <hr class="hr-faq"/> 1236 </div> 1237 <div class="mb-0"> 1238 <h4 class="font-bold text-mmeForest mb-8">Important:</h4> 1239 <p class="mb-4">This FAQ is a summary only, and full terms, conditions, limits and exclusions apply. We encourage you to always refer to the complete insurance policy for full details.</p> 1240 <hr class="hr-faq"/> 1241 </div> 1242 <div class="mb-8"> 1243 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Purchase Protection</h2> 1244 </div> 1245 <div class="mb-0"> 1246 <h4 class="font-bold text-mmeForest mb-8">What is Purchase Protection?</h4> 1247 <p class="mb-4">Purchase Protection is a complimentary insurance benefit included with your MONEYME Cashback Rewards Credit Card. It helps protect eligible items you buy (online or in-store) if they:</p> 1248 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1249 <li>Are not delivered within 30 days of the scheduled delivery date</li> 1250 <li>Arrive damaged</li> 1251 <li>Are accidentally damaged or within 180 days of purchase</li> 1252 <li>Are stolen within 180 days of purchase</li> 1253 </ol> 1254 <hr class="hr-faq"/> 1255 </div> 1256 <div class="mb-0"> 1257 <h4 class="font-bold text-mmeForest mb-8">Do I have to pay extra for this insurance?</h4> 1258 <p class="mb-4">No. This cover is automatically included at no additional cost when you make eligible purchases using your MONEYME Cashback Rewards Credit Card.</p> 1259 <hr class="hr-faq"/> 1260 </div> 1261 <div class="mb-0"> 1262 <h4 class="font-bold text-mmeForest mb-8">What purchases are covered?</h4> 1263 <p class="mb-4">To be eligible for coverage, all items must be new (not second-hand or refurbished), intended for personal use, and purchased during the active policy period.</p> 1264 <p class="mb-4"><b>In-store purchases</b></p> 1265 <p class="mb-4">For items bought at a physical store, the purchase must:</p> 1266 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1267 <li>Be paid in full using your MONEYME Cashback Rewards Credit Card</li> 1268 <li>Have a valid store receipt clearly showing the date and payment method</li> 1269 </ol> 1270 <p class="mb-4"><b>Online purchases</b></p> 1271 <p class="mb-4">For items bought through digital storefronts or apps, the purchase must:</p> 1272 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1273 <li>Be paid in full through using your MONEYME Cashback Rewards Credit Card</li> 1274 <li>Be bought online from a merchant that offers delivery</li> 1275 <li>Be delivered to an Australian address</li> 1276 </ol> 1277 <hr class="hr-faq"/> 1278 </div> 1279 <div class="mb-0"> 1280 <h4 class="font-bold text-mmeForest mb-8">What does the insurance cover?</h4> 1281 <p class="mb-4">Depending on the situation, you may be covered if your item:</p> 1282 <p class="mb-4"><b>For all purchases (online or in-store):</b></p> 1283 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1284 <li>Is accidentally damaged within 180 days of purchase</li> 1285 <li>Is stolen within 180 days of purchase</li> 1286 </ol> 1287 <p class="mb-4"><b>For online purchases:</b></p> 1288 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1289 <li>Is not delivered</li> 1290 <li>Is delivered but missing a piece or component</li> 1291 <li>Arrives physically damaged</li> 1292 <li>Is stolen during delivery</li> 1293 </ol> 1294 <hr class="hr-faq"/> 1295 </div> 1296 <div class="mb-0"> 1297 <h4 class="font-bold text-mmeForest mb-8">What isnât covered?</h4> 1298 <p class="mb-4">You wonât be covered for:</p> 1299 <p class="mb-4">Some items, including second-hand goods, business purchases, jewellery, motor vehicles, and digital downloads, are not eligible for coverage. Protection also does not apply to items left unattended after delivery or those delivered to PO boxes and parcel lockers.</p> 1300 <p class="mb-4">To see the complete list of whatâs excluded, you can view the full Terms and Conditions <a target="_blank" href="/mastercard-ecommerce-purchase-protection">here</a>.</p> 1301 <hr class="hr-faq"/> 1302 </div> 1303 <div class="mb-0"> 1304 <h4 class="font-bold text-mmeForest mb-8">How much can I claim?</h4> 1305 <p class="mb-4">You can claim up to:</p> 1306 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1307 <li>$750 per occurrence</li> 1308 <li>$750 per year (combined per occurrence limit for e-commerce purchase protection and purchase protection)</li> 1309 </ol> 1310 <p class="mb-4">An excess of $25 applies to each claim. Claims are paid in Australian dollars.</p> 1311 <hr class="hr-faq"/> 1312 </div> 1313 <div class="mb-0"> 1314 <h4 class="font-bold text-mmeForest mb-8">How does reimbursement work?</h4> 1315 <p class="mb-4">Depending on the circumstances, AIG may:</p> 1316 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1317 <li>Refund the purchase price</li> 1318 <li>Cover shipment costs (for non-delivery)</li> 1319 <li>Repair or replace the item</li> 1320 <li>Reimburse up to the policy limit</li> 1321 </ol> 1322 <p class="mb-4">If an item is later recovered after a claim has been paid, you may be required to return the reimbursement.</p> 1323 <hr class="hr-faq"/> 1324 </div> 1325 <div class="mb-0"> 1326 <h4 class="font-bold text-mmeForest mb-8">How do I make a claim?</h4> 1327 <p class="mb-4">Submit your claim as soon as possible at <a target="_blank" href="https://au.mycardbenefits.com">https://au.mycardbenefits.com</a>.</p> 1328 <p class="mb-4">You may need to provide:</p> 1329 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1330 <li>Proof of purchase</li> 1331 <li>Proof of payment using your MONEYME Cashback Rewards Card</li> 1332 <li>Correspondence with the merchant or courier</li> 1333 <li>Delivery confirmation or tracking details (for online purchases)</li> 1334 <li>Police report (for theft)</li> 1335 <li>Photos (for damage claims)</li> 1336 </ol> 1337 <hr class="hr-faq"/> 1338 </div> 1339 <div class="mb-0"> 1340 <h4 class="font-bold text-mmeForest mb-8">Who provides the insurance?</h4> 1341 <p class="mb-4">The insurance is provided by AIG Australia Limited. MONEYME arranges the cover but does not assess or pay claims.</p> 1342 <hr class="hr-faq"/> 1343 </div> 1344 <div class="mb-0"> 1345 <h4 class="font-bold text-mmeForest mb-8">What if I have a complaint?</h4> 1346 <p class="mb-4">If youâre unhappy with your claim or service:</p> 1347 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1348 <li>Call AIG Complaints: 1800 339 669</li> 1349 <li>Email: <a href="mailto:[email protected]">[email protected]</a></li> 1350 </ol> 1351 <p class="mb-4">If unresolved, you can contact the Australian Financial Complaints Authority (AFCA) for free.</p> 1352 <hr class="hr-faq"/> 1353 </div> 1354 <div class="mb-0"> 1355 <h4 class="font-bold text-mmeForest mb-8">Can this cover change or end?</h4> 1356 <p class="mb-4">Yes. Cover may change or end if the group policy changes. Eligible claims that arise before termination will still be assessed under the policy.</p> 1357 <hr class="hr-faq"/> 1358 </div> 1359 <div class="mb-0"> 1360 <h4 class="font-bold text-mmeForest mb-8">Important:</h4> 1361 <p class="mb-4">This FAQ is a summary only. Full terms, conditions, limits and exclusions apply. We encourage you to always refer to the complete insurance policy for full details.</p> 1362 <hr class="hr-faq"/> 1363 </div> 1364 <div class="mb-8"> 1365 <h2 class="font-sharpGFamily text-[28px] mb-12 leading-[42px]">Event Ticket Protection</h2> 1366 </div> 1367 <div class="mb-0"> 1368 <h4 class="font-bold text-mmeForest mb-8">What is Event Ticket Protection?</h4> 1369 <p class="mb-4">Event Ticket Protection is complimentary insurance included with your MONEYME Cashback Rewards Credit Card. It can reimburse you for the cost of eligible event tickets if you canât attend due to unexpected circumstances.</p> 1370 <hr class="hr-faq"/> 1371 </div> 1372 <div class="mb-0"> 1373 <h4 class="font-bold text-mmeForest mb-8">Do I have to pay extra for this insurance?</h4> 1374 <p class="mb-4">No. This cover is automatically included at no additional cost when you purchase eligible tickets using your MONEYME Cashback Rewards Credit Card.</p> 1375 <hr class="hr-faq"/> 1376 </div> 1377 <div class="mb-0"> 1378 <h4 class="font-bold text-mmeForest mb-8">What types of events are covered?</h4> 1379 <p class="mb-4">Covered events include legally organised events with a set date, time and location that require a ticket, such as:</p> 1380 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1381 <li>Concerts</li> 1382 <li>Sporting events</li> 1383 <li>Theatre shows</li> 1384 <li>Festivals</li> 1385 </ol> 1386 <p class="mb-4">The ticket must be purchased from an official event organiser or a reputable ticket agent.</p> 1387 <hr class="hr-faq"/> 1388 </div> 1389 <div class="mb-0"> 1390 <h4 class="font-bold text-mmeForest mb-8">How much can I claim?</h4> 1391 <p class="mb-4">With the Event Ticket Protection, you can be reimbursed up to:</p> 1392 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1393 <li>$150 per ticket</li> 1394 <li>$1,200 per event</li> 1395 <li>$1,200 per year (total)</li> 1396 <li>Up to 2 events or 8 tickets per year</li> 1397 </ol> 1398 <p class="mb-4">There is no excess to pay.</p> 1399 <hr class="hr-faq"/> 1400 </div> 1401 <div class="mb-0"> 1402 <h4 class="font-bold text-mmeForest mb-8">What situations are covered by the Event Ticket Protection?</h4> 1403 <p class="mb-4">You may be covered if you canât attend the event because of:</p> 1404 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1405 <li>
1405Serious illness, injury, death or compulsory quarantine (you or a close relative)</li> 1406 <li>A medical emergency requiring hospitalisation of a close relative</li> 1407 <li>Your home being damaged by fire, burglary or natural disaster</li> 1408 <li>A natural disaster preventing you from attending</li> 1409 <li>Your car breaking down while travelling to the event</li> 1410 <li>An unexpected, mandatory work trip</li> 1411 <li>Being required to attend court (e.g. subpoena)</li> 1412 </ol> 1413 <hr class="hr-faq"/> 1414 </div> 1415 <div class="mb-0"> 1416 <h4 class="font-bold text-mmeForest mb-8">What situations are not covered by the Event Ticket Protection?</h4> 1417 <p class="mb-4">You wonât be covered if:</p> 1418 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1419 <li>The event is cancelled or postponed by the organiser</li> 1420 <li>You simply change your mind</li> 1421 <li>The ticket is resold or transferred</li> 1422 <li>The reason relates to a pre-existing medical condition</li> 1423 <li>The issue is caused by alcohol, drugs or illegal activity</li> 1424 <li>Flights are cancelled or delayed (unless due to a natural disaster)</li> 1425 <li>The ticket is part of a travel package and the ticket cost canât be separated</li> 1426 </ol> 1427 <hr class="hr-faq"/> 1428 </div> 1429 <div class="mb-0"> 1430 <h4 class="font-bold text-mmeForest mb-8">Do I need to pay for the whole ticket on my card?</h4> 1431 <p class="mb-4">Yes. The ticket must be paid in advance using your MONEYME Cashback Rewards Credit Card.</p> 1432 <hr class="hr-faq"/> 1433 </div> 1434 <div class="mb-0"> 1435 <h4 class="font-bold text-mmeForest mb-8">Are multi-day events covered?</h4> 1436 <p class="mb-4">Yes, multi-events are covered but only if you are unable to attend the entire event, and the ticket is completely unused. If separate tickets are issued per day, only the affected day may be reimbursed.</p> 1437 <hr class="hr-faq"/> 1438 </div> 1439 <div class="mb-0"> 1440 <h4 class="font-bold text-mmeForest mb-8">How do I make a claim?</h4> 1441 <p class="mb-4">We encourage you to claim as soon as possible after you realise you canât attend. You may visit this link to claim online: <a href="https://au.mycardbenefits.com">https://au.mycardbenefits.com</a></p> 1442 <p class="mb-4">Youâll need documents such as:</p> 1443 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1444 <li>Your unused ticket</li> 1445 <li>Proof of purchase</li> 1446 <li>Supporting evidence (e.g. medical certificate, employer letter, roadside assistance report)</li> 1447 </ol> 1448 <hr class="hr-faq"/> 1449 </div> 1450 <div class="mb-0"> 1451 <h4 class="font-bold text-mmeForest mb-8">Who provides the insurance?</h4> 1452 <p class="mb-4">The insurance is provided by AIG Australia Limited, not MONEYME. MONEYME arranges the cover but does not assess or pay claims.</p> 1453 <hr class="hr-faq"/> 1454 </div> 1455 <div class="mb-0"> 1456 <h4 class="font-bold text-mmeForest mb-8">What if I have a complaint?</h4> 1457 <p class="mb-4">If you have a concern about your claim or the insurance:</p> 1458 <ol class="list-disc pl-6 mb-4 ml-[20px]"> 1459 <li>Call AIG Complaints: 1800 339 669</li> 1460 <li>Email: <a href="mailto:[email protected]">[email protected]</a></li> 1461 </ol> 1462 <p class="mb-4">You can also contact the Australian Financial Complaints Authority (AFCA) for free if youâre not satisfied.</p> 1463 <hr class="hr-faq"/> 1464 </div> 1465 <div class="mb-0"> 1466 <h4 class="font-bold text-mmeForest mb-8">Can this cover change or end?</h4> 1467 <p class="mb-4">Yes. If the group insurance policy ends or changes, youâll be notified unless equivalent cover continues. Eligible claims that arise before termination will still be assessed under the policy.</p> 1468 <hr class="hr-faq"/> 1469 </div> 1470 <div class="mb-0"> 1471 <h4 class="font-bold text-mmeForest mb-8">Important:</h4> 1472 <p class="mb-4">This FAQ is a summary only. Full terms, conditions, limits and exclusions apply. We encourage you to always refer to the complete insurance policy for full details.</p> 1473 <hr class="hr-faq"/> 1474 </div> 1475 `,icon:"/images/faq/faq-icon12.svg"},{title:"Legal",description:` 1476 <div class="mb-0"> 1477 <h4 class="font-bold text-mmeForest mb-8">How do I make a complaint?</h4> 1478 <p class="mb-4">Customer satisfaction is extremely important to us, but we understand sometimes we may get it wrong.</p> 1479 <p class="mb-4">See our <a href="/complaints" class="font-black text-mmeForest underline">complaints page</a> for further information.</p> 1480 <hr class="hr-faq"/> 1481 </div> 1482 <div class="mb-0"> 1483 <h4 class="font-bold text-mmeForest mb-8">Where can I find your policies?</h4> 1484 <p class="mb-4">At MONEYME, weâre huge on transparency and honesty.</p> 1485 <p>Check out the links below to our key policies:</p> 1486 <ul class="list-disc pl-6 mb-4 font-black text-mmeForest"> 1487 <li> 1488 <a href="/privacy-policy" class="font-black text-mmeForest underline">Privacy policy</a> 1489 </li> 1490 <li> 1491 <a href="/responsible-lending" class="font-black text-mmeForest underline">Responsible lending</a> 1492 </li> 1493 <li> 1494 <a href="/security-policy" class="font-black text-mmeForest underline">Security policy</a> 1495 </li> 1496 </ul> 1497 <hr class="hr-faq"/> 1498 </div> 1499 <div class="mb-0"> 1500 <h4 class="font-bold text-mmeForest mb-8">What online security measures do you employ?</h4> 1501 <p class="mb-4">Your privacy and security are important to us. We use products that are the best of the best in the online security business.</p> 1502 <p class="mb-4">We follow the same standards as banks and other online payment companies to ensure your safety and security.</p> 1503 <hr class="hr-faq"/> 1504 </div> 1505 <div class="mb-0"> 1506 <h4 class="font-bold text-mmeForest mb-8">How is my information stored and protected?</h4> 1507 <p class="mb-4">All information is entered through a Secure Socket Layer (SSL), which means an encrypted connection is created between your system and ours, and it's always kept that way.</p> 1508 <hr class="hr-faq"/> 1509 </div> 1510 `,icon:"/images/faq/faq-icon13.svg"},{title:"General",description:` 1511 <div class="mb-0"> 1512 <h4 class="font-bold text-mmeForest mb-8">Do you offer joint loans?</h4> 1513 <p class="mb-4">Unfortunately no, you can apply as an individual for a loan.</p> 1514 <hr class="hr-faq"/> 1515 </div> 1516 <div class="mb-0"> 1517 <h4 class="font-bold text-mmeForest mb-8">Do you offer car finance?</h4> 1518 <p class="mb-4">You can apply for an Autopay car finance through dealers and brokers. Simply ask if they provide Autopay as a finance option and they can start the application for you.</p> 1519 <hr class="hr-faq"/> 1520 </div> 1521 <div class="mb-0"> 1522 <h4 class="font-bold text-mmeForest mb-8">Do you offer secured personal loans?</h4> 1523 <p class="mb-4">You can apply for a secured personal loan with SocietyOne which is part of MONEYME. To learn more about secured personal loans visit <a href="https://societyone.com.au/blog/what-is-a-secured-loan" class="font-black text-mmeForest underline">here</a>.</p> 1524 <hr class="hr-faq"/> 1525 </div> 1526 <div class="mb-0"> 1527 <h4 class="font-bold text-mmeForest mb-8">I want to update my address. I canât update my address on the app. Iâm not able to change my address in the web portal.</h4> 1528 <p class="mb-4">To update your address, give us a call on 1300 669 059 and one of our agents will help you get it sorted.</p> 1529 <hr class="hr-faq"/> 1530 </div> 1531 <div class="mb-0"> 1532 <h4 class="font-bold text-mmeForest mb-8">If I pay off my loan, is there an exit fee?</h4> 1533 <p class="mb-4">No, we do not charge any early exit fees.</p> 1534 <hr class="hr-faq"/> 1535 </div> 1536 <div class="mb-0"> 1537 <h4 class="font-bold text-mmeForest mb-8">How do I change the date of my repayment?</h4> 1538 <p class="mb-4">Give us a call on 1300 669 059 and one of our agents will help you get it sorted.</p> 1539 <hr class="hr-faq"/> 1540 </div> 1541 <div class="mb-0"> 1542 <h4 class="font-bold text-mmeForest mb-8">I want to arrange a payment plan</h4> 1543 <p class="mb-4">To request for payment plan you can call us on <a href="tel:1300669059" class="font-black text-mmeForest underline">1300 669 059</a> and one of our agents will help you get it sorted.</p> 1544 <hr class="hr-faq"/> 1545 </div> 1546 <div class="mb-0"> 1547 <h4 class="font-bold text-mmeForest mb-8">How can I get my MONEYME credit card?</h4> 1548 <p class="mb-4">Your credit card is fully digital and you can access your card details instantly once approved in the MONEYME app. Simply log in using your email and 4-digit passcode and tap on your card to view your card details.</p> 1549 <hr class="hr-faq"/> 1550 </div> 1551 <div class="mb-0"> 1552 <h4 class="font-bold text-mmeForest mb-8">How can I log in to the app?</h4> 1553 <p class="mb-4">To log in to your account, use the email you entered when you applied or sign up for an account and the 4-digit passcode you created. If you canât remember your passcode, go to <a href="/login" data-action="login-page-redirect" class="font-black text-mmeForest underline">www.moneyme.com.au/login</a> and click âForgot passcodeâ to reset it.</p> 1554 <hr class="hr-faq"/> 1555 </div> 1556 <div class="mb-0"> 1557 <h4 class="font-bold text-mmeForest mb-8">I want to borrow more money</h4> 1558 <p class="mb-4">If you are eligible to apply for another credit product with us you will be able to see it in the MONEYME app. Simply log in using your email and 4-digit passcode. Once logged in, go to Offers and see the credit products available to you.</p> 1559 <p class="mb-4">If you canât see any offers, give us a call and one of our agents can help review your account to see if you are eligible.</p> 1560 <hr class="hr-faq"/> 1561 </div> 1562 <div class="mb-0"> 1563 <h4 class="font-bold text-mmeForest mb-8">Can I borrow less than $5000?</h4> 1564 <p class="mb-4">We currently do not offer the ability to get a loan less than $5000.</p> 1565 <hr class="hr-faq"/> 1566 </div> 1567 <div class="mb-0"> 1568 <h4 class="font-bold text-mmeForest mb-8">I received a message on Facebook saying that I was approved for a loan with MONEYME</h4> 1569 <p class="mb-4">We will never message customers on social media for credit offers. If you havenât applied for a credit product with us and received a message on Facebook, this is most likely a scam.</p> 1570 <hr class="hr-faq"/> 1571 </div> 1572 <div class="mb-0"> 1573 <h4 class="font-bold text-mmeForest mb-8">Are payments automatically deducted or do I have to pay manually?</h4> 1574 <p class="mb-4">Your repayments will be automatically direct debited to the bank account youâve declared during your application.</p> 1575 <p class="mb-4">You can also make manual repayments toward your account by logging in to the MONEYME app and going to the Repay tab.</p> 1576 <hr class="hr-faq"/> 1577 </div> 1578 <div class="mb-0"> 1579 <h4 class="font-bold text-mmeForest mb-8">What is the interest rate range for a personal loan?</h4> 1580 <p class="mb-4">
1580The interest rate range for a personal loan is from 6.24% - 26.10% p.a. Comparison rate from 6.95% - 27.49% p.a.</p> 1581 <p class="mb-4">This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.</p> 1582 <hr class="hr-faq"/> 1583 </div> 1584 <div class="mb-0"> 1585 <h4 class="font-bold text-mmeForest mb-8">Is there a monthly fee for personal loans?</h4> 1586 <p class="mb-4">A $10 monthly fee applies.</p> 1587 <hr class="hr-faq"/> 1588 </div> 1589 <div class="mb-0"> 1590 <h4 class="font-bold text-mmeForest mb-8">Is there a monthly fee for the Cashback Rewards Credit Card?</h4> 1591 <p class="mb-4">No, there is no monthly fee for the Cashback Rewards Credit Card.</p> 1592 <hr class="hr-faq"/> 1593 </div> 1594 <div class="mb-0"> 1595 <h4 class="font-bold text-mmeForest mb-8">Why can I no longer access MONEYME Perks?</h4> 1596 <p class="mb-4">The MONEYME perks feature is no longer available as of the 15th of March, any credit you have earned with MONEYME perks up until the 15th of March will be credited onto your account. To continue to use Cashrewards please refer to their website. Please note that this will not be credited back to your account. If you wish to close your Cashrewards account please follow the information on their website.</p> 1597 <hr class="hr-faq"/> 1598 </div> 1599 `,icon:"/images/faq/faq-icon14.svg"}],ye={},fe={class:"bg-mmeLime py-10 mt-20 text-center"};function ve(l,t){return p(),u("div",fe,[...t[0]||(t[0]=[m("div",{class:"container"},[m("h1",{class:"text-[51px] leading-[54px] font-sharpGFamily font-semibold"},"Frequently asked questions")],-1)])])}const ge=$(ye,[["render",ve]]),we=N("/images/faq/search-icon.svg"),H=N("/images/faq/back-icon.svg");function xe(l){const t=x(""),c=x(""),y=x([]),v=x(0),g=x(!1),f=x(null),q=x([]),k=s=>{if(typeof document=="undefined")return"";const o=document.createElement("div");return o.innerHTML=s,o.textContent||o.innerText||""},M=s=>{const o=["a","an","the","and","or","but","is","are","was","were","be","been","being","to","of","for","with","by","about","against","between","into","through","during","before","after","above","below","from","up","down","in","out","on","off","over","under","again","further","then","once","here","there","when","where","why","how","all","any","both","each","few","more","most","other","some","such","no","nor","not","only","own","same","so","than","too","very","s","t","will","just","now"],d=s.toLowerCase().replace(/[^\w\s]/gi," ").split(/\s+/).filter(r=>r.length>2&&!o.includes(r));return[...new Set(d)]},F=()=>{l.forEach(s=>{const o=k(s.description),d=`${s.title} ${o}`,r=M(d);q.value.push(j(U({},s),{plainTextContent:o,keywords:r}))})},W=(s,o,d)=>{let r=0;s.title.toLowerCase().includes(d.toLowerCase())&&(r+=100);const n=s.title.toLowerCase();o.every(e=>n.includes(e))&&(r+=50),o.forEach(e=>{n.includes(e)&&(r+=25)}),o.forEach(e=>{s.keywords.forEach(b=>{b===e?r+=20:b.includes(e)?r+=10:e.includes(b)&&b.length>3&&(r+=5)})});const a=o.reduce((e,b)=>{const w=new RegExp(b,"gi"),Y=(s.plainTextContent.match(w)||[]).length;return e+Y},0);return r+=Math.min(a*2,40),r},P=s=>{if(!t.value.trim()||typeof document=="undefined")return s;const o=document.createElement("div");o.innerHTML=s;const d=t.value.toLowerCase().trim().split(/\s+/),r=n=>{if(n.nodeType===3){let h=n.nodeValue,a=!1;if(d.forEach(e=>{if(e.length<3)return;const b=e.replace(/[-\/\\^$*+?.()|[\]{}]/g,"\\$&"),w=new RegExp(`(${b})`,"gi");w.test(h)&&(a=!0,h=h.replace(w,"<mark>$1</mark>"))}),a){const e=document.createElement("span");e.innerHTML=h,n.replaceWith(...e.childNodes)}}else n.nodeType===1&&n.childNodes&&n.nodeName!=="MARK"&&n.childNodes.forEach(r)};return o.childNodes.forEach(r),o.innerHTML},C=()=>{if(!c.value.trim()){g.value=!1;return}t.value=c.value.trim(),g.value=!0,y.value=[],v.value=0;const s=t.value.toLowerCase().split(/\s+/).filter(o=>o.length>1);f.value?A(s):_(s)},A=s=>{const o=q.value.find(a=>a.title===f.value.title);if(!o)return;const d=o.description.split(/<\/?h[1-6]>|<\/?p>
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