FAQs
- What is Beem all about?
Beem is a free to download mobile payment app that helps solve those awkward "hey-you-owe-me-this-much" moments for all of Australia.
Beem allows you to pay and get paid by anyone effortlessly, securely and instantly — as long as you're both registered Beem users. Not only that, you can now store your loyalty cards, move money between your accounts and make purchases all with the one app.
Beem is a venture that's backed by Australia payment provider, eftpos and we work closely with Australian banks to bring you the app.
- How much does it cost?
Beem is completely FREE to download and use. But check with your bank if you have fees for transactions from your bank account as these could apply (although it's very rare).
- Is this for real?
For real. No tricks. Seriously. We're a joint venture that's backed by Australian payment provider, eftpos and we work closely with Australian banks to bring you the app.
- Is Beem secure?
Beem is very secure - all your important information is encrypted so people can’t access it. We authenticate every transaction and have real time fraud monitoring.
Your information is also secure. We only share your data with your permission or if it's for government regulations or for security and fraud purposes.
You’ll need to hold up your end of the bargain too though. It might seem obvious, but don’t send money to people you personally don’t know and trust. And please keep your account details and passcode secure.
If you think your account has been compromised in any way, please let your bank know ASAP and change your Beem passcode.
If you want to block your Beem account from any further activity, please let us know and we'll get this processed.
- What can others see about me?
Other users can only see your display name, profile picture and your username (which are all customisable). They won’t be able to see any other personal details about you.
- Tell me about privacy.
The only information that another Beem user will be able to see about you is your display name, your @username and your profile pic (if you've added one). They can pay/request/split money with you if they have your digits in their phone contacts as well.
All the other information that we gathered during the registration process was used to verify that you are who you are, and is never shared with other Beem users.
The Privacy Policy can be located at docs.beem.com.au/privacy.
- Operating System Requirements
iOS 14 and Android 6.0 'Marshmallow' or higher are necessary for the smooth operation of the Beem app.
For Android devices, please make sure that you download the app from Google Play Store.
- Can I open an account outside of Australia?
Currently you can only complete registration for a Beem account while you are in Australia.
You can use the app overseas once you register - just make sure the other person is a Beem user.
- Can I use Beem overseas?
You sure can, as long as the other person is a registered Beem user.
- What ID documents do you accept?
We currently accept a valid Passport, an Australian drivers licence and an Australian Medicare card.
We don’t currently accept Pension/Proof of Age/Photo/Student/18+ cards, birth certificates, bank accounts or utility bills.
Hopefully in future we'll be able to verify using alternate ID sources so please keep an eye open.
- Verifying Your International Passport
Beem accepts all international passports that have a current Australian visa associated with them.
Before attempting to verify your identity, ensure that your Australian visa is still valid and that your international passport has not expired.
If your international passport has expired and you have received a new international passport, you will need to link your current Australian visa to your new international passport. You can do this by going to the Department of Home Affairs website.
When verifying yourself with your international passport, please:
• Enter all names according to your Australian visa issuance document.
• Your name may be different on your Australian Visa compared to your passport. Please type your name in accordance to your Australian Visa.
• Enter your passport number and expiry date correctly.
• Enter your Australian residential address when prompted.
- Verifying your Drivers Licence
Beem currently accepts learners permits, probationary and driver licences issued in all states and territories of Australia.
Before using your licence make sure it is still valid.
For residents in New South Wales make sure that you are using your physical drivers licence card in order to verify your identity, as your digital licence may not match what is on your physical licence.
South Australian and Queensland digital driver licences are generally accepted.
Card Numbers
From the 23rd of August 2022 residents of some states and territories will need to verify their card number in addition to their Licence/Permit Number on their Drivers Licence.
You should be able to find examples of where to find your card number below. Ensure you enter the correct number in the correct field.
Australian Capital Territory
Your card number will be located on the front of the licence, towards the left side of your photo.
New South Wales
Your card number will be located on the front of the licence, towards the top-right corner under the heading “Card Number”.
Northern Territory
If your licence was issued before the 1st of December 2020
Your card number will be located on the back of the licence, on the bottom-left corner.
If your licence was issued after the 1st of December 2020
Your card number will be located on the front of the licence, towards the right of the transparent window on the bottom.
Queensland
If your licence was issued before June 2019
Your card number will be located on the back of the licence, towards the bottom right of the card, under the heading Card Number.
If your licence was issued after June 2019
Your card number will be located on the front of the licence, towards the centre middle of the card, under the heading Card Number.
South Australia
Your card number will be located on the back of the licence, on the top-right corner.
Tasmania
Your card number will be located on the back of the licence, on the top-right corner.
Victoria
Please see the FAQ page, "Verifying your Victorian Drivers Licence" for more information.
Western Australia
Your card number will be located on the back of the licence, on the right side of the last digit of your year of birth.
- Verifying your Victorian Drivers Licence
From the 19th of December 2022 VicRoads is mandating all Victorians to verify their card number alongside their drivers licence number/permit number in order to verify their identity.
Please see the following below on where to find your card number.
If your licence was not compromised in the 2023 Optus data breach.
Your card number will be shown at the back of your card, on the bottom of the last digit of your year of birth.
If your licence was compromised in the 2023 Optus data breach and you have received a new licence.
Your card number will be shown at the back of your card, on the top right hand side of your licence.
If your licence was compromised in the 2023 Optus data breach and you have not yet received a new licence.
VicRoads should have issued you a label that contains your current address and card number. Your card number should be on the bottom line of that label.
You can also find your card number through the myVicRoads web portal if you already have a myVicRoads account. However keep in mind that a physical card is still required to verify your licence as the web portal may display your name differently to how it is registered on your physical card.
- Verifying your Medicare card
Before trying to verify your identity, please ensure that your Medicare card is valid and has not reached its end of expiry.
If your Medicare card is expiring within the next two months, you may have been issued with a replacement card. Please use your replacement card to verify yourself.
If you have not received your replacement card, you may have to wait to receive it before trying to verify yourself.
Please use your physical card to verify yourself. Digital cards from the Express Plus Medicare app may not reflect what is on your physical card and thus you may have trouble verifying yourself.
When entering your Medicare card details, make sure to:
• select the correct Medicare card colour
- Green: Australian Resident
- Blue: Interim
- Yellow: Reciprocal
• enter the correct 10 digit Medicare card number
• enter your name as shown on your card.
• enter the correct individual reference number; this is on the left of your name.
• enter the correct expiry date.
If your name is shown on two lines, please select the 'My name wraps across two lines' option and input your name exactly as how it is shown on your Medicare card.
- What other info do I need to sign up?
If you want access to loyalty card storage and group expense tracking you’ll need:
• An email address
• An Australian mobile number
If you want to make payments or to receive payments you’ll also need to complete the ID process and add a valid debit card:
• Valid ID documents (Australian Drivers Licence, Medicare Card, Australian Passport or International Passport)
• An Australian bank card that is eftpos online enabled
• Access to the bank account linked to that card
If you want to purchase through the Beem checkout you’ll need:
• An Australian bank card that is eftpos online enabled or a VISA/Mastercard
• Access to the bank account linked to that card
Please note you can only create a Beem account while you are in Australia.
- Why do you need a form of ID to register?
In order to ensure payments are safe and secure, we need a form of ID from each customer to verify everyone on Beem are the ones making the payments.
Some customers may require more than one ID.
- I wasn’t able to get through the ID checks.
Are you overseas or using a VPN showing a non Australian location?
You cannot open an account while you are overseas.
You cannot open an account if the IP address/device being used in the registration is from a country other than Australia.
If one type of ID is not working, it may help to try another.
- I only have one name.
A couple of options for you to try are:
• Given name: enter <Name>
• Last name: enter a full stop or hyphen
OR
• Given name: enter a full stop or hyphen
• Last name: enter <Name>
Unfortunately we don't know how your name is registered so it's a matter of trying different combinations before finding the one that works.
- I have a hyphenated name and it’s not working.
Try entering a space instead of a hyphen.
Unfortunately we don't know how your name is registered so it's a matter of trying different combinations before finding the one that works.
- What address should I use?
You need to use an Australian residential address for all documents.
- I've verified my Overseas Passport but don't have an Australian Drivers Licence or Medicare Card.
If you’re from one of the following countries we may be able to onboard you using your overseas documents:
🇧🇷 BRAZIL
🇨🇳 CHINA
🇩🇰 DENMARK
🇭🇰 HONG KONG
🇮🇹 ITALY
🇮🇳 INDIA
🇷🇴 ROMANIA
🇿🇦 SOUTH AFRICA
🇪🇸 SPAIN
🇬🇧 UK
If your country is not on this list, we are looking to increase options for more countries in the near future so stay tuned!!
- What's the username for?
Usernames help other users identify & transfer money to you, while keeping your personal details private.
The username will appear for anyone who has you on their phone contact list, when they use it to find people on the app. And it can be searched by any user – so it’s best to choose wisely.
A username must:
• be 3-15 characters in length,
• cannot contain any special characters (underscores are okay), and
• not be misleading, offensive or inappropriate. We all love a good joke, but let’s keep it PG.
- I didn't get my email verification.
Check your junk/spam folder.
Check for any typos you might have made in your email address.
If you have sufficient coverage and are still not receiving the messages, please contact your network provider to see if there are any other issues.
Alternatively try using a different email address.
- I didn't get my mobile verification code.
Check you haven’t made any typos and your mobile number is correct.
Make sure you’re not in a wi-fi or phone reception blackspot.
Check those bars are full.
Have you changed your mobile number? If you’re logged onto your account, select Account>Profile>Mobile. If you can’t logon please contact Customer Support.
- What if I can't pass all parts of registration?
You cannot pay or receive money without completing registration so you’ll need to do this before you can start a transaction.
If you don't complete the registration process then you will only be able to:
• access the app
• send a request (but not receive a payment)
• store loyalty cards, and
• purchase gift cards.
- What sort of cards can I connect to the app?
We accept both debit and credit cards on the app. There are some differences with what you can do though:
- Debit Cards: payments to each other, interbank transfers, accumulating cashbacks from Rewards, and Beem Checkout
- Credit Cards: gift cards and accumulating cashbacks from Rewards
Debit Cards
You can use Australian bank cards that are eftpos online enabled.
Dual Cards
Cards that have both debit and credit functionality are usually a credit card rather than debit card - even though it may have access to other accounts.
Prepaid Cards
We're generally not compatible with prepaid cards and travel cards as they don't operate on the eftpos network (and are usually classified as credit cards).
Update: eftpos online enabled cards
From 1 March 2023, Beem will implement changes to ensure that transactions get to their desired destination. As such, we will no longer be able to facilitate instant transfers to or from cards that are not eftpos online enabled.
This includes cards issued from:
- Citibank
- Macquarie Bank
- Southern Cross Credit Union
- Indue, where the first six digits of a card start with:⊳ 438875
⊳ 458524
⊳ 483867These cards however can be used to:
- accumulate cashbacks from Rewards
- buy gift cards
- make BPAY paymentsIf you are impacted by this change, you will need to add another debit card in order to continue having the ability to receive and send payments.If you have any questions please reach out to us via the Help section of the app or by emailing support@beem.com.au and our support team will be happy to assist you.
We do not currently accept BSB and bank account numbers.
- Adding a card
Adding a card to Beem is simple and easy.
You can add up to 5 cards on Beem, regardless of whether it's a debit or credit card.
• Head onto your Beem app and tap the Wallet section in the middle of the menu panel.
• You should then see Add a card. Tap Add and follow the steps that will guide you through.
• Be mindful to enter your card details correctly to avoid any issues.If you are on the latest version of Beem, you will be prompted for a simple check to ensure the card is compatible.
If you’re adding a:
• debit card, we’ll typically debit one cent and credit you back right away.
• credit card, we’ll typically place a charge of one cent which will have a pending status then be cancelled. The transaction will not be charged to your account. - How many cards can I add?
You can add up to 5 different cards. Just select Account>Payment cards.
Make sure you select a debit card as your default card.
When you transact you can pick and choose whichever card you want. However, if you don’t select a card then your default card will be used.
To make it easier you can also nickname your cards.
- What can I use my credit card for?
You can use your credit card to make purchases through Beem Checkout at participating merchants.
You can’t make a payment or receive a payment using your credit card.
You also can’t transfer to and from your credit card.
- I can’t add my card.
Have you removed the card from another Beem account or recently closed an account which had the card attached? If so, you will need to wait at least 5 days before you can add it to a new account.
Has your card expired? If so, you need to remove the card from your account before you can add the new card. This can be done by navigating to your wallet, located via the icon in the middle at the bottom of the screen (what looks like a card with a heart in it), select the card you want to remove, tap on 3 small dots in the top right hand corner and select Remove this card.
Is it a new card? If so, you need to use it at least once before trying to add it to your Beem account.
If you’re still unable to add a card, please check that it meets the following criteria:
• has more than $2 in the account
• has online transactions enabled
• is not blocked for any reason, and
• is not already in use on Beem.
If you are unsure how your card is set up, please contact your bank.
If it meets the criteria, try adding it again.
If it still doesn’t work, please send the first 6 digits of the card to Customer Support who will check whether the card is compatible with the app.
- What are the current transaction limits?
Payment (including through Checkout with Beem): There is a $2,000 per day payment limit, and a rolling 30 day limit of $10,000.
Request: You can request up to $2,000 from a maximum of 10 people. A user can have 25 pending requests/splits open at any one time.
Split: You can split a bill up to the value of $12,000 between a maximum of 12 people. A user can have 25 pending splits/requests open at any one time.
Receive: There is a rolling 30 day receiving limit of $10,000.
- How do Beem payments work?
Beem is just like paying someone in cash. It’s instant, easy and goes straight into their bank account.
Just make sure that you know the person you’re paying because once the money’s sent, it’s in their account. There is no backspace button. Once it’s gone, it’s gone and we can’t reverse the transaction.
- How do I pay someone money?
There are two ways that you can make a payment.
From your contacts or with a Beem username:
Select Pay, input how much, who to and what for, swipe right and it’s done.Using a QR code:
Scan the users code, input how much, what for, swipe right and it’s done. - How to use QR codes to make a payment.
QR codes are used on the platform as a convenient way to scan and pay. It helps users automatically populate the details for a transaction so it's quick and easy to then swipe and pay.
From the home screen, tap the scan icon:
• SCAN CODE allows you to scan QR codes with the camera on your phone.
• MY CODE displays your QR code with your username. Other users can scan your code to send you a payment.
• GENERATE allows you to create a QR code.
• GENERATE A CUSTOMER CODE allows you to enter an amount and description that is unique to that QR code.
• CREATE A COUNTER DISPLAY allows you to create a QR code that can be printed out and displayed on a counter.
- How do I create a link and/or QR code that I can share with others?
From the home screen:
• Select request.
• Enter the amount.
• Select ‘Anyone with the link’.
• Enter a description.
• Slide to create.
If you want to add a theme or graphics, you can make it extra special by adding a GIF or sticker to your message.
- Can I pay someone not on Beem?
You can use Beem to send money to friends who don’t yet have the app. But they’ll only receive the funds once they get onboard.
• Start a new payment transaction and then select the person you want to pay from your contact list. When the text message box pops up, please send the message otherwise the other person won’t know that you’ve sent them money.
• The recipient will receive a text message inviting them to collect their funds by joining Beem. They’ll have 14 days to register for an account and claim the money.
The funds will be only debited from your account when the other person has fully set up their account including adding a debit card.
- Will the person I send a Beem payment to, know I've sent it?
If you send a payment to another Beem user and the other user has notifications turned on then they will get a notification of the payment. They will also be able to see the payment on their activity page.
The other user will be able to see your username, the payment details and message but they won't be able to see any other personal details about you.
- Respond to a payment with an emoji.
Reactions on the platform are a fun way to thank someone for sending through a payment.
Simply tap on a received tile and tap an emoji icon.
- I can't make a payment.
Make sure your default card is still valid and active.
Some other things you can check are:
• You are using the latest version of the app.
• The software on your phone is up to date.
• The recipient's default card is still valid and active.
• You have enough money in the account to cover the payment.
• You haven’t exceeded the daily transfer limit.
• You haven’t exceeded the 30 day rolling limit.
• There are no locks or blocks on the account.
• Online transactions have been enabled.
If your card and account details are okay, try removing and adding your card again to see if this makes a difference.
If not, please contact Customer Support for assistance.
- I paid the wrong person, what can I do?
Beem payments are instant - the money is in the other person's account a few seconds after you swipe so we can't stop it in flight or reverse the transaction.
Try sending a ‘Request’ to the other person asking for the money to be returned. You can send up to 25 requests.
You could also contact your bank to see if they can help resolve this for you.
- How long does it take for a payment to arrive in my bank account?
It will usually be in your bank account straight away.
Occasionally, there may be delays in depositing the money into your account because of external factors beyond our control. Please be assured that we are constantly working with the banks and financial institutions to remove these delays so that you can have your money instantly.
If you experience any unusual lengthy delays, please use the Help>Contact us link to send a message to Beem Customer Support.
- I haven't received a payment.
There are times where a payment has been sent but the recipient does not receive the funds. There are a few reasons why this may occur and some examples are:
• Delayed processing times by the financial institution.
• Maintenance operations by the financial institution.
• An outage may have occurred with the financial institution or internally.
• An error message occurred, the transaction was unsuccessful but funds were still deducted from the sender's bank account.
There’s a few things you can do.
• Check the activity page on your Beem account to see if the payment was successful.
• Check with your financial institution to see if the funds have been withdrawn/deposited into a different account e.g. a savings or cheque account.
• Check that the card linked to your/their account is still valid and/or not blocked.
If you still can’t find the payment, please logon to the app and use the Help>Contact us link to send us a message and we’ll look into it as quickly as possible.
- How does Beem show up on my bank statement?
Transaction descriptions will vary from bank to bank. Some examples are:
• beem it
• beem
• edaf withdrawl
• Refund
Information like usernames and messages will not show on your bank statement.
- Why does Beem show up on my statement as a refund?
We use the EFTPOS refund system to get the funds to your account instantly. That's why you'll see it turn up in your account as a 'REFUND'.
- I don't have a Beem account but I've received a text message telling me that someone has sent me money
Beem users can send you money even if you don't have a Beem account. All you need to do to is collect it is to create a Beem account.
If it looks a little dodgy and you’re concerned that the message you’ve received is a scam, don’t worry. You can download the app directly from your chosen app store and still be able to collect the money that you’ve been sent.
The funds will not leave the sender's account until you are ready to receive the payment.
Just be aware that you only have 14 days to collect the funds before the transaction expires.
- Someone has sent me a payment in error.
If someone has sent you payment in error or you don’t want the payment, you can simply beem the money back to the sender.
- How do I ask someone to send me money?
From the home screen:
• Select request.
• Enter the amount.
• Select a user from your contact list.
• Enter a description.
• Slide to request – and you’re all done.
A white tile will appear on the activity page of both you and the other user.
As soon as they accept the payment request, you will see the money in your account.
You can send up to 25 requests.
- Can I transfer between two of my own cards?
Yes, if you have at least 2 debit cards linked to your account, you can transfer between them via the Transfer button on the home screen.
If you’re having trouble telling the two cards apart, you can give them nicknames under Account>Cards.
Don’t forget, normal transaction limits apply.
- How long is my request valid for?
Each pending request is valid for 14 days from when you send it. If they end up paying you back some other way though, you can just cancel the pending request by selecting it in the activity section.
- How do I cancel a request?
To cancel a request, go to the Activity page then:
• Select the request you want to cancel.
• Tap the trash can in the top right hand corner.
• Select ‘Delete request’.
The request tile will also disappear from the other user’s activity page, so it’ll be like nothing ever happened.
- I have a request from someone claiming to be from Beem.
Beem will never send you a request for money.
If you receive a request for money from someone claiming to be from Beem, please decline the request and let us know.
- I have a request from someone I don't know. What should I do?
If you receive a request from someone you don’t know, you can either ‘Decline’ the request, ‘Block User’ or ‘Cancel'.
If you choose the block option then the user will not be able to see you in their search results and contacts list, and they won’t be able to transact with you.
If you want to unblock a user simply go into the Security & Privacy settings, select Manage blocked users and select the person you want to unblock.
- How do I block a user who sent me a request?
If the user has sent you a request, you can block a user by tapping on the request and then the menu in the top right of the payment screen.
If you choose the block option then the user will not be able to see you in their search results and contacts list, and they won’t be able to transact with you.
If you want to unblock a user simply go into the Security & Privacy settings, select Manage blocked users and select the person you want to unblock.
- How do scheduled payments work?
You can schedule a payment to be processed at any date in the future.
All you have to do is tap 'Now' when setting up a payment and:
• select the date for when you'd like the payments to be made. and
• select the debit card you'd like the payment to be made from.
Make sure you have funds available in your account at that date as we won’t be able to process it without the money being there.
- How do recurring payments work?
You can schedule recurring payments either weekly, fortnightly or monthly.
All you have to do is tap ‘Now’ when setting up a payment, select the date and frequency of the payment and select the card you'd like the payment to be made from.
Make sure you have funds available in your account on those dates as we won’t be able to process a payment without the money being there.
- What if I want to cancel a scheduled payment?
You’ll be able to find your upcoming payments in the activity feed under pending.
To cancel the payment, tap on the tile to expand it then select the delete icon in the corner.
You can’t edit an existing payment. You have to cancel the current setup and start again.
- What time will my scheduled payment be processed?
The payment will process some time after 11am AEST.
Make sure you have notifications turned on if you want to know when it goes through.
- How many scheduled payments can I have?
You can schedule up to 30 payments.
- What if my scheduled payment fails?
We'll let you know and you can process the payment yourself.
It might be worth checking why it failed before doing so though.
Make sure that:
• There are enough funds in the account.
• The card details are correct and not expired.
• You check the same applies for your intended recipient.
- How does split work?
Beem allows a person to split transactions between multiple users.
From the home page, select Split then:
• Enter an amount.
• Select friends (the Split will automatically include yourself).
• Tap done.
• Enter a message.
• Review amounts and edit if necessary
• Slide to split.
If you have a group set up, you can select the group instead of manually selecting usernames.
- Can I change the split amount allocated to each person?
If you want to adjust the amounts for each person, you can do so by tapping on each of the people in the split and changing the amount.
- What if someone pays me cash for their portion of a split?
A user can decline their portion of the split in Beem which will show up as a completed split payment.
Or they can close the transaction by clicking on the open split transaction and selecting 'close'.
- Can I split an expense unevenly?
When creating an expense, you can individually select each of your friends’ amounts and edit them.
- How do I create a Group?
Select the Group icon - at the bottom of the home page it’s the second icon from the right.
• Tap on the plus sign ⨁.
• Enter the Group name.
• Select an emoji.
• Invite friends to the Group.
• Create Group.
- How do I create an expense for a Group?
Go to Groups.
• Select the Group you wish to use.
• Tap the green icon bottom right of the screen.
• Enter an amount.
• Enter a message.
• Review the amounts - you can change the amounts from this screen.
• Once you’ve finished, select Done.
• Slide to split.
- Do you have to be a Beem user before you can join a Group?
You need to sign up using your email and phone to join a Group.
You don’t need to complete the ID process or add a card but it means you won’t be able to pay or be paid.
- How do I join an existing Group?
You can only join a group if someone in the group invites you but it’s easy enough to do – if a group member taps on the menu button, they can select ‘Add someone’.
- Am I able to create a group as a personalised expense tracker?
We’re all about reducing those IOUs, so currently Groups works best with friends - and the more the merrier, although they must all be Beem users.
If you can see yourself using this feature as an individual expense tracker in the future, please logon to the app and send us a message via Help>Contact us. - What is the difference between the Group Admin and everyone else?
As long as they are either a) involved in the split or b) belong to the group, everyone can:
1. View or delete an unsettled expense
2. Add a friend
The Group Admin can also:
1. Change the Group name.
2. Change the Group cover emoji.
3. Mark anyone’s expense as settled.
4. Remove someone from the group (when everything is settled).
5. Delete the group (when everything is settled). - What is the maximum number of people that can be in a Group?
Currently there can only be up to 30 people in a group – including yourself.
- What is the maximum number of Groups that I can be a member of?
Currently the maximum is 12 groups.
If you’re unable to add a friend into a group, just check to see if your friend has reached their 12 group maximum limit.
- Someone added me to a group that I do not want to be part of.
You can leave the group by navigating to Groups, tapping the menu settings on the top right, and selecting “Leave group”.
If you’ve assigned an expense to you, simply mark the expense as settled.
Please note that all expenses in the group need to be settled before you can close your account.
- Why can other people delete an expense that I’ve added?
Anyone in a Group can view or delete an unsettled expense, as long as they are either a) involved in the split or b) belong to the Group where the expense is part of.
This allows everyone involved in the group to fix errors and mistakes during the creation of the expense.
To see who added or deleted each expense in your Group just click on the Group activity tab.
- I am unable to leave a Group.
You can only leave a group when all outstanding expenses have been settled.
The requirements for leaving are that:
• Your debts are settled – you no longer have expenses owing or owed to you, and
• All debts owed between friends have been settled.
• Even if your balance shows $0, you won’t be able to leave the Group until all expenses are squared up.
- Settling up made super simple?
The way our groups feature works is that it calculates the total amounts that people are owed/are owing across all expenses and then works out the simplest way for everybody to get their fair share of what they're owed.
For example:
If A owes B $50, and B owes C $50, by having A pay the $50 to C directly cuts down on unnecessary transactions and simplifies the process.
This minimises the number of total payments and ensures everyone is paid back quickly.
- I only wanted to pay back part of what I owe to the group. How do I do that?
Tap on a balance you owe and select the ‘Pay balance’ option.
You can tap on the amount on the payment screen to edit it. Just remember, you can’t pay back more than what you owe.
- How do I delete a Group?
Only the Group Admin can delete the group.
A group can only be deleted if everyone has settled their outstanding balances and expenses – and the whole group is square.
To delete a group the Group Admin can navigate to groups, tap the menu settings on the top right then select ‘Delete group’.
Please note there is no undo button. Once a group has been deleted, it cannot to be restored.
- What is the Group dashboard?
If you select a Group it will show a dashboard that has 3 categories:
• Balances
• Expenses
• Activity
Balances shows the amount that each person in a Group is owed or owing.
If you owe money to a member of the Group, tap on the amount and select either Pay Balance (to pay the balance in full) or Pay Partial Balance (to pay part of the total owing).
If an amount was settled externally then tap on the amount and select Mark as Settled.
Expenses shows all payments made by members of the Group. Tap on an expense if you want to see the details.
Activity lists every transaction that has been processed by the Group members.
If you click on the 3 tiny dots in the top RH corner, you can:
• Add someone
• Leave group
If you are the creator of a Group (Admin) then you will have additional options:
• Remove someone
• Rename group
• Delete Group
NOTE: You can only leave a Group or delete a Group if everyone has settled their outstanding balances and expenses – and the whole group is square.
- How do I send a payment with a sticker?
Sending someone something special? Just want to put an extra something with your payment?
To send a sticker, simply start a payment as you normally would and select the sticker icon in the top right-hand corner.
From there you can pick your sticker, write your message and surprise the other party with money they can spend as they choose.
- I have an idea for a new sticker, how can I get it on?
Got a great idea. Just logon to the app and send us a message using the Help>Contact us link.
- Can I schedule a sticker to be sent on a particular day as a gift?
Like to get the annual birthday, Christmas and valentines gifts sorted on Jan 1?
You can schedule gifts just as you would a normal payment. Just make sure you have sufficient funds available on the day.
Normal transaction limits apply.
- How do I sign up for Beembucks?
Head to the Rewards page and tap "Let's Go".
Then select the cards you would like to receive Beem rewards on and select "Count me in".
It's that simple!
- What are Beembucks?
Beembucks are the cashbacks you can choose to redeem as part of Beem Rewards.
- How can I redeem my Beembucks?
Beembucks can be cashed out into your nominated debit card once you've stacked up at least $10 in your balance.
- What can I use them for?
Currently your Beembucks can only be cashed out to your nominated debit card. However, we're working on finding more ways for you to use them....stay tuned!
- Can I shop anywhere?
Yes, offers are available online and in-store at participating retailers.
When shopping in-store, any eligible offers are applied automatically to your Beembucks balance.
When shopping online, browse and spend via the Beem app to redeem any offers.
- How do auto offers apply?
Auto offers apply when you have added your card to Beem Rewards and spend in-store at participating retailers.
To redeem offers when shopping online, you have to shop via the Beem app.
Always check out the T&Cs of each offer to be certain you get that cashback.
- Why is the approval timeframe different for different stores and also for online?
Processing times vary from retailer to retailer.
Different retailers will have different processing times which are dependent on their relationship with your financial institution.
Your offer will be processed as soon as we receive confirmation from the retailer.
- How long will it take for the funds/Beembucks to move from pending state to available balance?
This varies from retailer to retailer and the time taken by your financial institution to clear the funds. On average, in-store cashback can take up to a few days while online purchases can take up to 3 months.
- How long will it take to move my available Beembucks balance to my debit card?
Once your Beembucks are deemed available, you'll be able to transfer the funds to your nominated debit card instantly.
- Is there a minimum amount for cashing out?
Yes, you need a minimum of $10.
- Is there a maximum amount for cashing out?
Yes, the daily limit is $2000.
- Will I receive interest on my Beembucks balance?
No, you will not receive interest on your Beembucks balance.
- Are there any fees associated with Beembucks?
There are no transaction fees associated with your Beembucks.
- Do offers expire?
Offers will expire so we suggest redeeming them while they are available.
- My cashback didn't come through.
Please check your transaction history within your Beembucks card.
If you're unable to see your transaction history please contact Customer Support.
- Is the cashback amount inclusive of shipping?
Rewards vary depending on the retailer so please refer to the T&Cs specific to the offer.
- Are gift card purchases eligible for offers?
At this stage gift cards are not available in conjunction with Beem Rewards.
- Will I receive a cashback on my gift card purchase?
At this stage gift cards are not available in conjunction with Beem Rewards.
- How do I withdraw the funds?
You can transfer Beembucks to your nominated debit card linked to your Beem account.
- Why can't I withdraw my cashback?
There are a few things that could be stopping you from withdrawing your Beembucks:
• Make sure you have a debit card linked to your account and it has been selected for cashing out.
• Make sure you are withdrawing a minimum of $10 and that all funds are 'Available' and not 'Pending'.
If you're still having issues, please contact our Customer Support team.
- Can I transfer funds from my Beembucks available balance to my credit card?
No, Beembucks cannot be transferred to a credit card. You will need to add a valid debit card and set it as your default card in order to transfer available funds from your Beembucks.
- Why is the amount different than what I expected?
Please check the receipt for your offer and always take note of the T&Cs relevant to the offer before you checkout.
- What happens if I return my product/service and get a refund - does it impact my cashback?
If we receive a reversal from the retailer we will decrease either the 'Pending' or 'Available' balance of your Beembucks.
- How do I keep track of my Beembucks?
Beem keeps track of all your rewards for you within your Beem account.
- How do I see the history of my offers?
You can view your previous transactions by going into your Beem Wallet.
- How many cards can I link?
You can have up to 4 cards linked to Beem Rewards.
Make sure you select one debit card as the default card to transfer your funds into.
Please note that Beembucks cannot be transferred to a credit card.
- Can I register my debit card if it is already on another rewards program?
Please ensure your card isn't already registered to another offers program that is powered by PokitPal.
In order to add your selected card to Beem rewards, please de-register it from any other offers program first.
- Why can't I add my card?
You won't be able to add your card if it is already registered to another offers program powered by PokitPal.
In order to add your selected card to Beem rewards, please de-register it from any other offer programs first.
- What happens if my card has expired?
If your card has expired you will not be able to make a purchase which means you will not be able to receive any offers from Beem Rewards.
- How can I de-register my card(s) from Beembucks?
When a card is removed from your Beem Wallet it will also be removed from Beem Rewards.
- How do I pay a bill using BPAY®?
Paying bills via BPAY® on Beem is quick & easy.
Navigate to the home screen and tap on the 'BPAY®' button to launch the feature.
From there, follow the prompts to input the bill details directly from your bill and then simply swipe to pay.
- What do I need to pay a bill using BPAY® on Beem?
To pay a bill with BPAY® on the Beem app, you'll need to be a registered user of the app with a valid ID & linked Australian debit card.
You'll also need the bill details, so make sure those are handy!
- What limits apply to BPAY transactions?
BPAY payments currently have a maximum limit of $2,000 per transaction. However, there is no limit to the number of transactions you can make in a day.
- How do I split the bill with others in the app?
Once you've paid your bill, you'll be able to request or split the funds with mates without leaving the app.
You can either do so via the receipt screen or by tapping on the payment in your activity tab.
- How will I know if i'm paying the right biller?
To select a biller, you can either search using the specific biller code/name or simply choose from our list of popular billers.
If you're inputting the biller details, we'll also confirm the number is valid.
- Can I edit the bill payment details once processed?
Unfortunately once the bill is paid you won't be able to edit the details.
If you still have an amount left owing, we recommend processing an additional payment to ensure you're all paid up.
Alternatively, if you've paid the wrong biller please reach out to our Customer Support team via the Help>Contact us link.
- How long will my payment take to arrive at the biller?
For your payment to be treated as received by the Biller on the same day, you must complete it before 5pm Sydney time on a banking day.
If you pay your bill after 5pm, or at any time on a weekend or public holiday, your payment won't be received until the next business day.
Note: your biller’s online portal may take a few days to reflect your payment.
- What do I do if I've paid the wrong biller?
We try our best to ensure this doesn't happen by validating the biller code and CRN.
However If you've accidentally paid the wrong biller, please reach out to our Customer Support team via the Help>Contact us link and they'll assist you as best they can.
- Can I schedule my bill payment to be processed at a later date?
At this point in time, you cannot schedule bill payments but be sure to keep an eye out as this may be an option later down the track!
- Where do I find my biller code?
To find the specific biller you are after you can either input in the details manually from your bill, or choose from our popular billers.
- Where do I find the CRN?
Your Customer Reference Number (CRN) can be found next to the BPAY® logo on your bill.
- When will the funds come out of my account?
As soon as you process the transaction aka swipe to pay, the designated amount will be debited from your account.
- There was a problem processing my payment, what do I do?
Your best course of action is to reach out to our Customer Support team directly via the Help>Contact us link and they can investigate for you.
- I'd like to dispute my transaction, what do I do?
If you need to dispute a BPAY transaction, please contact our Customer Support team immediately via the Help>Contact us link.
You can also learn more about our dispute resolution process in our terms and conditions.
- Where can I view the details of my bill payment at a later date?
The details of your payment will be stored along with the transaction in your activity feed. To view them, simply tap on the activity tile.
- Can I view my bills within the Beem app? Do you have BPAY® View?
There isn't currently an option to view your bills using the app. But if this is something you really want to see, let us know and we'll try and get it for you sooner.
- How will the payment show up in my bank account?
Once you've paid your bill, the payment will be reflected in your bank account showing 'BEEM' in the description in line with the amount of the transaction.
- How do I purchase a gift card?
Download the Beem app, set up an account with a valid Australian debit or credit card, navigate to the home screen to find the gift card button and tap on it to launch the feature.
There you’ll be able to browse our gallery of brands and select the one you’re after before personalising the card with your message and animation of choice.
In typical Beem fashion, you’ll process your order with a simple swipe to pay which will generate a link for you to share how you like!
• Select Gift Cards.
• Select your card.
• Write a message.
• Add a sticker or a GIF.
• Preview card (the curved arrows on the bottom right of the card will allow you to rotate the card and view the other side).
• Tap to change card if you don’t want to use your default card.
• Slide to pay.Just like you would cash, treat the link with care as anyone who gets their hands on it will be able to redeem your gift, even if they’re not the intended recipient.
- Can I use the gift card myself?
You can simply purchase your gift card as you would for anyone else - just keep the link to yourself!
- Can I send the gift card to someone else?
You can send a gift card to anyone, even if they're not on Beem (yet!). Once your link is generated, you can gift it your way: text it, tweet it or even print it out and send it the old school way.
Just Remember the link is like cash & if it falls into the wrong hands, they'll be able to use the card.
- How can I check the balance of my gift card?
Most gift card providers will let you check your balance via their website.
Check out their website for instructions on how to do this.
- I've been given a gift card, how do I redeem it?
When you receive a link to a gift card it will take you to a webpage so you can view the card and read the message.
Most gift cards will include a barcode or code that can be used in store and/or online.
Simply input or scan the code and enter the PIN if required at the relevant store.
- Are there limits on the amount I can get on a gift card?
Different gift cards have different amounts available. You'll be able to find out the specific details once you've selected the card - otherwise normal transaction limits apply.
- Can I top up or reload my gift card?
Once a gift card is purchased the value is set so you will not be able to alter the amount.
- I've been given a gift card, can I exchange it for cash?
Unfortunately gift cards are non redeemable for cash.
- Can I get a refund on my gift card?
Unfortunately gift cards are non refundable.
- I sent my giftcard to the wrong person, what can I do?
Gift cards are like cash, and if someone else has the details they may be able to redeem your gift if it hasn't already been redeemed. We'd recommend using your gift card as soon as possible to ensure you get there first.
Otherwise, you can contact the store directly and they may be able to issue a new one if it hasn't been redeemed.
- I've lost my giftcard, what can I do?
If somebody else sent you a gift card, reach out to them directly as they’ll be able to find the link in their activity feed for you.
Otherwise, get in touch with our support team via the Help>Contact us link and they’ll help you out.
- My gift card has expired, what can I do?
Unfortunately when a gift card expires, it's expired. If we could turn back time we would!
- I've got an issue with the product I bought with the gift card, where do I go?
Once you've purchased your gift card, any questions or issues regarding purchases made with that gift card should be directed to the relevant retailer as they'll best equipped to help out.
- I'm having issues with my gift card, who can help?
No stress.
If the issues you are having are with the download of the card then reach out to our customer support team through the app.
If the issues are when you try to use the card to make a purchase or you have a problem with a purchase you have already made, please get in touch with the store the card is from.
- Do gift card purchases count towards my transaction limits?
Yes, normal transaction limits apply.
- How do I add a loyalty card?
From the home page, select the middle icon from the bottom of the page then select the Loyalty tab at the top of the screen.
• Select (+).
• Select the card you wish to use.
• You can either (a) allow Beem access to the camera so you can scan the barcode or (b) Import from Gallery or (c) Enter the card details manually.
• Once the process is completed the card will be added to your loyalty page.
To use a loyalty card, just select the card from your wallet and use it as normal.
- My loyalty program isn't showing up, can I still add it?
Can't find your local coffee shop in our list? With Beem you can add any loyalty card you want, we'll even let you choose the colour.
Simply select 'add a card', then add your card of choice within the loyalty screen.
- My card isn't scanning at checkout, what can I do?
Here's a few things you can try:
• Tap on the barcode to open up full screen
• Try the smaller version on the card in the loyalty section of the app
• Turn the brightness up on your phone
• Ask the cashier if there's any tricks to getting it to work
If all else fails, get in contact with our friendly team via the Help>Contact us link.
- Will my loyalty cards come with me if I change phones?
All your Beem info is stored under your account, which means it'll stay safe with you regardless of any changes to your device.
- Can I see my points balance in Beem?
Currently you can't see points balances in the app but we're working on it! Stay tuned.
- Can I have my loyalty program included?
The more the merrier, get in touch with our Customer Support team and we’ll be in touch.
- What is QR?
QR is a code that can be scanned to prompt a number of uses, such as checking-in to a restaurant, opening a link to a website, or in this case we have built a convenient way for you to pay!
- How do I pay with QR?
Once you’re ready to checkout, you’ll find a QR button to indicate this option is available. Scan or tap this and follow the prompts to complete your purchase.
- How do I get set up for QR?
All you need is a Beem account and a linked debit card for payment.
- How do I scan on my mobile vs desktop?
When checking out on desktop, simply scan the QR code with your mobile device and follow the prompts to process the payment.
On mobile, simply tap the QR button instead and you will be directed to the app.
- What details of mine are shared when using QR?
If required to process your order we’ll share your email, phone number, name and shipping address with the merchant.
- How/where will I get my receipt?
Your digital receipt will be stored within the Beem app. Navigate to your activity feed to locate this.
- The QR code isn’t working, what do I do?
Here are a few things you can try:
• Check the strength of your internet network.
• Ensure you have sufficient lighting to scan the code.
• Exit the camera, reopen and try again.
If none of them work, reach out to our customer support team via the app or by emailing support@beem.com.au and we’ll investigate.
- How do I change my preference card?
You can select your card before you slide to pay, just like regular payments.
To change your Beem overall preference card, simply go to your wallet and select your preferred card.
- How do I change my shipping/billing address?
You can edit your shipping address after scanning the QR code before paying. Just tap edit.
- What is Checkout with Beem?
Beem checkout makes it quick and easy for our users to pay for products and services. For businesses that are signed up, it means users can simply tap the Checkout with Beem button as part of the checkout process, and the payments are made as instantly as that. You can then keep a record of the transaction in the app, and easily split the cost or request your mates to pay you back.
- Do I have to do anything to enable Beem Checkout?
Nothing more to do, you're already enrolled. Simply keep an eye out for the option next time you shop online.
- I want to pay with Beem but it's not an option at my checkout.
Know a business that's not yet onboard with the Beem way? Send them an email with the following link www.beemit.com.au/business/checkout and copy in support@beem.com.au where we can take it from there.
- I didn’t receive the goods / the goods were faulty / I want to return the goods. How do I get a refund?
Something gone wrong? We suggest in the first instance to reach out to the seller to let them know. Often they will chase it up and make things right or refund you directly.
If you have no luck with that, touch base with your bank as your card may include protection for when this happens.
- How do I search & filter my transactions?
While this is not yet available in the app, you can do so via our Web Portal. Simply hop onto a laptop and head over to https://wallet.beemit.com.au/. Here you'll be able to login to your account and view all your transactions.
Note: you won't be able to access the platform via your mobile. - Can I download and print out my transactions?
Yes! From the Web Portal, you can easily export your transactions in CSV or PDF format. Once logged in, tap on the 'Export' button and follow the prompts.
- Can I search by username?
You certainly can! Tap on the Filters button and under Friends, select the username you'd like to filter by.
- How do I keep my account safe?
If you notice any suspicious activity in your accounts be sure to report these transactions to your bank ASAP. Your bank has the authority to assist you.
Be mindful not to share login information with anyone. Change your passwords often and keep them off your computer.
Be careful with what you download onto your device as it could be malware. Be aware of accessing sensitive bank information through public wifi.
Be vigilant of any emails or text messages you may receive asking for personal details.
Recently, there have been text messages sent in disguise of ‘overdue toll payments’ or ‘your loan is pre-approved’. Don’t click on these links as they may compromise your personal information.
- How can I protect myself from scams?
It is important to be cautious when using the app to make payments to people you don’t know.
If you are uncertain then err on the side of caution and don’t send the payment.
Beem payments are instant so once they are sent they cannot be stopped in flight and the transaction cannot be reversed.
If you believe that you are a victim of a scam, it is important that you lodge a complaint with the Cyber Issue Reporting System at cyber.gov.au or contact your local police on 131 444 to lodge a report. We can work with them when they reach out to us as they have the proper authority.
We will also investigate the matter internally but we will not be able to provide you with any details due to privacy.
- Fraud
If there are transactions on your bank account that have a Beem reference and you did not authorise them, it is important that you flag this with your bank in case your details have been compromised.
Beem processes a verification check when a card is added onto a profile to ensure the person adding the card also has access to the bank account. If the account has joint parties, it is important to speak to those parties as well in case they have authorised the transactions.
If you believe you have been a victim of fraud it is important that you also report this to your local police on 131 444. We can work with them when they reach out to us as they have the proper authority.We will also investigate the matter internally but we will not be able to provide you with any details due to privacy.
- What happens if my phone is lost or stolen?
If your phone is lost or stolen, contact Customer Support and we’ll suspend your account from any further activity until you’ve sorted this out.
- I've changed my mobile number, how do I log in?
If you’ve changed your mobile number and can’t log on, please let Customer Support know and we will help update your details.
- How do I change my mobile number?
Log on to your account. Select Account>Account Details >Mobile> enter new mobile number.
- I don't have access to my email address anymore, how do I log in?
If you’ve changed your email address and can’t log on, please let Customer Support know and we will help update your details.
- How do I change my email address?
Log on to your account.
Select Account>Account Details>Email>enter new email address.
- How do I change my residential address?
Just logon to the app and use the Help>Contact us link to send us your new residential address and we'll update the details on your account.
- How do I enable face ID?
Log on to your account.
Select Account>Settings & Privacy>Enable Face ID.
- How do I change my passcode?
Log on to your account.
Select Account>Settings & Privacy>Change passcode>enter current passcode>enter new passcode.
If you don’t remember your passcode, select “Need a hand?” at the Enter passcode screen. We’ll send you an email and an SMS verification code to confirm it’s you and you can then select a new passcode.
- How do I change my username?
Log on to your account. Select Account>Account Details>Username>enter new username.
Make sure that the username is:
• 3-15 letters long
• does not contain any special characters or spaces (underscores are okay)
• is not misleading or inappropriate, and
• is not already used on Beem.
Please note that usernames can only be used once and cannot be recycled. Additionally you can only change your username 4 times during the lifecycle of an account.
- How do I block a user?
Log on to the app.
Select Account>Contacts>select or search for the user you wish to block>select block user (top right icon)>select block @username.
If you want to unblock a user simply go into the Security & Privacy settings, select Manage blocked users and select the person you want to unblock.
- What happens when I sync my contacts and how do I set it up?
We check your contacts regularly so as new friends join Beem, your Beem contact list will also be updated, making it faster to pay anyone.
You can do this on IOS by:
• Going to Settings.
• Navigating to Privacy.
• Selecting Contacts.
• And switching the tab next to Beem to green.
You can do this on Android by:
• Going to Settings.
• Selecting Apps or application manager.
• Select Beem.
• Navigating to Permissions.
• Enable Contacts.
- How to create a URL to direct users to your Beem account.
A URL can be used to direct people to your account. The URL can be sent outside the app or linked to external pages. This will allow people outside the app to click the link and be directed to the Beem app, ready to pay you. You can create a link that directs people to pay you by using the following link: https://www.beem.com.au/app/pay?handle=
All you need to do is add your username after the equal sign and remember to exclude the ‘@’e.g.https://www.beemit.com.au/app/pay?handle=username
Please be mindful that people that do not have the app installed will be directed to a page to download the app.
- How do I close my Beem account?
We’ll be sorry to see you go and would appreciate any feedback you have for the Beem team to improve the user experience.
iPhone Users
Just logon to the app select Account > Account Details > Delete account and follow the prompts.
Android Users
Logon to the app and select Account and scroll to the bottom of the screen and tap Close account and follow the prompts.
Please keep in mind that you will not be able to re-register with the same username in future.
- Is my account still active if I delete the app?
If you just delete the app from your phone then your account will still be active which means your friends can continue to send you money.
- I'm getting an error when I try to sign in. What's happening?
Make sure you’re using the latest version of the app and the software on your phone is updated.
Make sure you’re using the same email address and mobile number that you used to create the account.
If you still can’t login then contact our support team at support@beem.com.au and include the email address and mobile number that you’re using to login.
- How to switch between accounts?
If you have more than one account or a friend needs to use your phone to log in to their account then select Account>Account Details>Change Account.
This will allow you to log out of one profile and log on to a different profile - just follow the prompts.
- How do I contact Customer Support?
So we can find your account quicker, please login to your account and use the Help>Contact us link to send us a message.
If you can’t log on, please contact us at support@beem.com.au for assistance.
- Tell us what you think.
We’re always interested to hear how we can make your Beem experience better so please send us your feedback using the Help>Contact us link.
- Still have questions?
Still have questions? Not sure about something? Want to send us feedback? Got ideas about a cool new feature?
You can contact our support team on support@beem.com.au and we'll get back to you as quickly as we can.
- Media Enquiries
All journalist enquiries can be sent to media@beem.com.au.
- How do I make a complaint?
We try to get things right the first time but if we do not, we will do what we can to fix it.
You can fix most problems or make a complaint simply by emailing us at support@beem.com.au.
If you are not happy with how we handle your complaint, you can contact the Australian Financial Complaints Authority (AFCA) - a free and independent dispute resolution service.
AFCA’s contact details are:
Australian Financial Complaints Authority
GPO Box 3 Melbourne VIC 3001
Phone: 1800 391 678
Website: www.afca.org.au
Get in touch
Can’t find what you’re after?
Reach out to our support team directly. We will get back to you as soon as possible—generally within one business day.
For any media enquiries, please shoot an email over to our team at media@beemit.com.au.