Question 1

What is Beem It all about?

Accepted Answer

Beem It 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 It allows you to pay and get paid by anyone effortlessly, securely and instantly, no matter who you bank with— as long as you're both registered Beem It users. Not only that, you can now store your loyalty cards, move money between your accounts and track your expenses on trips away. So now you can get those coveted festival tix for your whole crew —without spending half your summer chasing down the money you're still owed.

Question 2

How much does it cost?

Accepted Answer

A big bucket full of nothing. Don't worry, whether it's for that sneaky trip with your mates, or splitting brunch with your nan, you'll never have any unexpected fees or charges from us. Beem It is completely FREE to download and use. But check with your bank if you have fees for transactions.

Question 3

Is this legit?

Accepted Answer

For real. No tricks. Seriously. We're a joint venture that's owned by Commonwealth Bank, National Australia Bank and Westpac.

Question 4

Is Beem It secure?

Accepted Answer

Beem It 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. So you can just sit back and relax. Your information is also secure. We only share your data for government regulations 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 please keep your account deets secure. Oh, and keep that passcode to yourself. If you think your account has been compromised in any way, please let your bank know stat, and change your Beem It passcode. You can also cancel your Beem It account if you really want, but we’ll miss you.

Question 5

Operating System Requirements

Accepted Answer

iOS12 and Android 6.0 'Marshmallow' or higher are necessary for the smooth operation of the Beem It app. For Android devices, please make sure that you download the app from Google Play Store. Also keep in mind that if you're one of the lucky folk still using an early generation phone, and you can't upgrade to the latest operating system, you won't be able to use the app.

Question 6

What info do I need to sign up?

Accepted Answer

Okay, there's a few things, so bear with us here. You'll need:  An email address A mobile phone number Valid ID documents (Australian Driver Licence, Medicare Card, Australian Passport or International Passport) An Australian Visa or Mastercard debit card Access to your bank account  We do not currently accept Proof of Age card or Photo Card ID We get it, it's quite a handful. But it's really important to help us keep our customers safe & ensure everyone is who they say they are. To verify your card, we'll charge two small random amounts to it (but promise to refund them back immediately). You will then need to enter said amounts into the app to make sure you are you. Once the check is complete and you have entered the correct amounts, you're ready to roll. Please note that you can only create a Beem It account while you are in Australia.

Question 7

I didn't get my email verification.

Accepted Answer

Put the gloves on, check that junk folder and keep an eye out for our verification email. It might have gone straight to spam. And while you're at it, check for any typos you might have made in your email address. Sometimes autocorrect lets you down. No one's perfect, we all make mistakes.

Question 8

What's the username for?

Accepted Answer

Usernames help your mates identify & transfer money to you, while keeping your personal details private. Your username can be searched by any user in the app though, so it's best to choose wisely. A username must:  Be 3-15 characters in length Cannot contain any special characters (underscores are okay (_)) Is not misleading, offensive or inappropriate. We all love a good joke, but let's keep it PG.

Question 9

I didn't get my mobile verification code.

Accepted Answer

No stress, you can resend it. Because we're nice like that, we've given you 3 goes to verify. Make sure you're not in a Wi-Fi or phone reception blackspot, and check those bars are full. Then all you need to do is jump back to the registration step and hit send again. Just not your day today? If you still haven't received it, then check you haven't made any typos and your mobile number is correct.

Question 10

Why do you need a form of ID to register?

Accepted Answer

In order to ensure the best security, we need a form of ID from each customer to verify everyone on Beem It is who they say they are. Some customers may require more than one ID. Plus, we've got standards to uphold. We need to make sure that there's no funny business going on, so we can keep our app a safe space for everyone.

Question 11

I wasn’t able to get through the ID checks.

Accepted Answer

Make sure the details entered are correct. Some things to check are:  Name combination. (We’re pretty smart, if we don’t say so ourselves. But we don’t know how your name combination has been registered, so it’s a matter of trying different combinations before you find the one that works. A common workaround is to try entering your middle name as an initial.) Check your date of birth Make sure your ID details are correct Both Australian and International passports are acceptable IP address. You cannot open an account while you are overseas or 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.   If you are asked to provide more than one ID document and you do not have a valid passport, Australia drivers licence or Medicare Card, then you will not be able to register for Beem It.

Question 12

What sort of cards/accounts can I connect to the app?

Accepted Answer

You can use any Australian bank (Visa or Mastercard) debit card with the eftpos® logo on it. At the moment you can't use a credit card, but we're working on it. If you're unable to add a card, please check for the following roadblocks:  We've all lived paycheck to paycheck at some stage, but you'll be needing a sufficient balance on your card in order to add one. $2 or more should do it. For technical reasons, we currently only accept Visa or Mastercard debit eftpos cards from an Australian bank. There are no blocks on the card. Feeling a little déjà vu? Already been here, done that? Check the card is not already in use on Beem It.  Check the card has online transactions enabled. Who doesn't love window shopping from their bed on a lazy Sunday? Oops. Check those typos. Make sure all the card details are correct.  If you are unsure how your card is set up, please contact your financial institution.

Question 13

Why do you need to charge two tiny amounts?

Accepted Answer

To verify your card, we will debit and credit two tiny, random amounts to your bank account. You will need to find these amounts on your bank statement and then enter them into the Beem It app. This is to make sure that both the debit card and linked bank account actually belong to you. But don't worry, you won't actually be out of pocket, and the refund is generally quicker than the debit. That should take the edge off. You have 3 days to verify your card. If you make a mistake, give us a holler. Please log in to the app and use the contact link to send a message to Beem It Customer Support.

Question 14

How long does it take for the two amounts to appear?

Accepted Answer

Just like transferring money with Beem It, the two transactions appear immediately. Go check them out now and verify your debit card details.

Question 15

Where do I find the two small transactions?

Accepted Answer

The two small transactions will appear in the bank account linked to your debit card. Jump on over to your bank account and you'll see those two transactions. They'll look a little something like this: REFUND-EFTPOS DD/MM HH:MM BEEM IT P2PMISCELLANEOUS CREDIT

Question 16

I can't find my two tiny amounts.

Accepted Answer

Sometimes debit cards are linked to multiple accounts. You'll need to do a little leg work here. Head on over to your other accounts with the same bank to see if the funds have been received into one of them instead.

Question 17

My two tiny amounts haven't been reimbursed

Accepted Answer

In rare instances, these might take a little longer to process so please be patient with us. Sometimes the funds arrive in a different account from where they were debited from. This depends on your account setup, financial institution and whether the card is linked to multiple accounts—including both savings and cheque accounts. If you are still unable to locate the money, please log in to the app and use the contact link to send a message to Beem It Customer Support.

Question 18

Can I pay/receive money without completing registration?

Accepted Answer

You cannot pay or receive money without completing registration, so you'll need to do this before you can start a transaction. Make sure that you've verified your email, passed identification set up, and added a debit card to your account. We get it, it's a bit of a process, but once you've ripped the bandaid off it's all smooth sailing from there.

Question 19

Can I open an account outside of Australia?

Accepted Answer

Sorry folks. Currently you can only complete registration for a Beem It account while you are in Australia.

Question 20

Can I use Beem It overseas?

Accepted Answer

You sure can, as long as the other person is a registered Beem It user. Go on, make those travel plans and track those expenses.

Question 21

How do I redeem a referral code?

Accepted Answer

If a friend referred you, simply logon to the app and redeem their referral code. Once you've set up for payments you will receive a one-off sign up bonus payment and so will your friend. If you referred a friend, then brownie points to you. Please ask them to log in to the app to redeem your code. Your friend will earn the one-off bonus payment and so will you. You can find your referral code by logging onto the app and clicking on "Invite & Earn" under the account tab (it's the one right at the end). If the promotion period finishes and you received a referral code within three days prior to the end date, you will still have seven days to redeem the code. If there is no referral campaign running, your code will not be visible on the app and is not valid for use during a non-campaign period.  Note: Your referral code can't be used in conjunction with any other offer, unless specified in the terms & conditions. For more information, please refer to the Terms & Conditions on the app.

Question 22

I've received a text message telling me that someone has sent me money

Accepted Answer

Cha-ching. Someone's just sent you some money. Feels good doesn't it? Now all you need to do is collect it by creating a Beem It account. Let us know if you need any help spending it too. If it's all looking a little dodgy, and you're concerned that the message you've received is a scam, then don't worry. You can download the app directly from the App and Play Stores and still be able to collect the money that you've been sent. Now we're talking. Don't drag your feet though, you have 14 days to collect your funds before the transaction expires and you'll need to ask for the money again.

Question 23

How does Beem It show up on my bank statement?

Accepted Answer

Initially when you pay someone else, the amount may show as 'pending' until the next business day. This means the money has been taken from your account to make a payment. So you don't need to worry about that niggling think-I-owe-someone-for-something feeling anymore. It'll may look a little something like this: Pending: Beem It beem.com.au AU

Question 24

Why does Beem It show up on my statement as a refund?

Accepted Answer

We know you need that burger delivery stat, so 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'.

Question 25

Will the person I send a Beem It payment to, know I've sent it?

Accepted Answer

They sure will. Whether it's a payment or a request, they'll get a notification and will see any payment you make in their transaction history. TIP: It'll help if their notifications are switched on via your phone's settings.

Question 26

How long does it take for a payment to arrive in my bank account?

Accepted Answer

Instantly. Boom. It's there. No longer do you have to sit and wait in anticipation. Once you've received a payment, it'll be in your bank account straight away. Now you can spend it on whatever you want. We won't judge. Okay, maybe a little. 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 continue to experience these delays, please use the contact link to send a message to Beem It Customer Support.

Question 27

What's the most amount of money I can send someone?

Accepted Answer

We've recently increased the daily transaction limit to $1,000. So now you can split bigger expenses, and splash out on that fancy AirBnB with all the perks.

Question 28

How many open request transactions can I have?

Accepted Answer

You can have up to 10 open/pending request or split transactions. We won't judge. An open/pending request or split transaction is one that hasn't been fully paid, so make sure that you close off old ones every once in a while by cancelling any outstanding requests. You don't want to be that guy. The current limits are:  Payment: There is a $1,000 per day payment limit, and a rolling 30 day limit of $10,000. Request: You can request up to $1,000 from a maximum of 10 people. A user can have 10 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 10 pending splits/requests open at any one time. Receive: There is a rolling 30 day receiving limit of $10,000.

Question 29

What can others see about me?

Accepted Answer

Good question. There's no need to worry. Other users can only see your display name, profile picture and your username. They won't be able to see any other personal details about you.

Question 30

How do Beem It payments work?

Accepted Answer

Beem It is just like paying someone in cash. But it's instant, easy and goes straight into their bank account. That means though you need to make sure that you know the person you're paying, because once the money's sent, it's in their account. There's no backspace button. Once it's gone, it's gone.

Question 31

How do I pay someone money?

Accepted Answer

We've kept it nice and simple so you can get back to cramming as much party as you can into the weekend. There are two ways that you can make a payment. 1. Pay anyone From the home screen:  Select pay Enter amount Select a Beem It user or a contact Enter description Next Select card Slide to pay  2. Using a QR code From the home screen:  Scan the user's QR code Enter amount Enter description Slide to pay

Question 32

Can I pay someone not on Beem It?

Accepted Answer

Yes, you can use Beem It to send money to friends who aren't as cool as you and don't yet have the app. Show off.  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. Wouldn't want to be that person. The recipient will receive a text message inviting them to collect their funds by joining Beem It. They'll have 14 days to claim the money so don't let them drag their feet.  Rest assured, the funds will be debited from your account only when the other person has fully set up their account, and have added a debit card successfully. We're going to sound like a broken record here, but don't forget they can't send you money until they've completed that set-up.

Question 33

I haven't received a payment

Accepted Answer

No fret. There's a few things you can do:  Check with your financial institution to see if the funds have been deposited into a different account e.g. a savings or cheque account. Check that the card you have linked to your account is still valid and/or not blocked.  The payment will look something like this:REFUND-EFTPOS BEEM ITMISCELLANEOUS CREDIT If you're not having any luck and you're still unable to locate the money, please logon to the app and use the contact link to send a message to Beem It Customer Support.

Question 34

Whoops, I paid the wrong person, what can I do?

Accepted Answer

The money is in the other person’s account as quickly as you regretted saying yes to that ‘just-one-more’ wine. At the risk of sounding like your stern uncle, it’s important that you always check the details before you send money to anyone. However, we do realise that mistakes happen sometimes. We suggest that you send a ‘Request’ to the other person asking for the money to be returned. Hearing crickets? Unfortunately, Beem It cannot reverse the transaction, so we suggest that you contact your bank if the money is not returned. On the plus side, you can send up to 25 requests for these funds to be returned, so don't be shy.

Question 35

I have a request from someone claiming to be Beem It.

Accepted Answer

We're not needy like that. Beem It will never send you a request for money. If you receive a request for money from a Beem It account, please decline the request and use the contact link to send a message to Beem It Customer Support.

Question 36

I have a request from someone I don't know. What should I do?

Accepted Answer

If you receive a request from someone you don’t know, and you’re feeling a little uneasy, you can either 'Decline' the request, 'Block user' or 'Block & report as spam'. 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.

Question 37

I tried to pay someone but it failed. What happened?

Accepted Answer

Awks. If you've tried to pay someone and it didn't work then please:  Check that your card is still valid. Check that you have enough money in the account to cover the payment. Been getting a little over excited about Beem It? Check that you haven’t exceeded the daily transfer limit. Check that there are no locks or blocks on the account. Check that that online transactions have been enabled.  If your card is okay and there is credit in your account, please contact your bank for assistance

Question 38

How do I block a user?

Accepted Answer

Got unwanted requests? 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.

Question 39

Can I decline money that someone has sent me?

Accepted Answer

The thing is, because it all happens in real-time, that money's already in your account. If you've received a mistaken payment or you don't want the payment, there's an easy solution. You can simply Beem the money back to the sender, and then you won't have to worry.

Question 40

Can I transfer between two of my own cards?

Accepted Answer

Got a little spend-happy over the weekend? Pay yourself back by transferring between cards. If you have at least 2 cards added 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.

Question 41

How long are my requests valid for?

Accepted Answer

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.

Question 42

How do I ask someone to send me money?

Accepted Answer

From the home screen:  Select request. Enter the amount you're chasing up. Select a user from your contact list. Enter a description. Write whatever you like. Confuse them with your texting short-hand. Write an entire sentence with emojis. Slide to request—and you're all done.  Swipe right. 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. Now you can go get that cheeky bevvy you've been craving.

Question 43

What if someone sends me a request and I've already paid it?

Accepted Answer

Well aren't you organised! Simply select the request you want to decline, then:  Click on the 3 small dots in the top right hand corner. Select 'Decline'. Select your reasoning.  The sender's tile will display the reason that the request was declined.

Question 44

How do I cancel a request?

Accepted Answer

Fat thumbs? Accidentally swiped the screen while you dropped your phone this morning? If you no longer wish to request money from your friend, you can cancel it by tapping on the open request and hitting the 'delete' button. Head over to the 'Activity' page (swipe right) 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.

Question 45

How do I send a payment as a gift?

Accepted Answer

Sending someone something special? To send a gift, simply start a payment as you normally would and select the gift box in the top right-hand corner. From there you can pick your card, write your message and surprise the other party with money they can spend as they choose.

Question 46

Can I send a gift to someone who isn't on Beem It?

Accepted Answer

You can send a gift to anyone, and when they join Beem It they'll then be able to collect the funds.

Question 47

I have an idea for a new gift wrap, how can I get it on?

Accepted Answer

Got a great idea? Shoot us an email at support@beemit.com.au.

Question 48

Can I schedule gifts to be sent on a particular day?

Accepted Answer

Like to get the annual birthday, Christmas and valentines gifts sorted on Jan 1? Go for it - you can schedule gifts just as you would a normal payment. Make sure you don't schedule more than $1,000 worth on those days you're feeling extra generous, though.

Question 49

How does split payment work?

Accepted Answer

We've made it nice and straightforward so you can get back to instagramming your food. Just take the total from a bill and input the amount. Select your mates and Beem It will automatically split that amount between everyone, including yourself. Easy. Slayed it. The math's done for you so you don't have to pretend you're not still counting using your fingers. From the home page, select Split then:  Enter an amount. Select friends (the Split will automatically include yourself). Tap done. Enter a description. Write whatever you like. Confuse them with your texting short-hand. Write an entire sentence with emojis. Slide to split.

Question 50

Can I change the split amount allocated to each person?

Accepted Answer

Naturally. 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. If you do re-work a split, make sure you check the total. Sometimes people want to pay a little more to cover things like tips to the waiter with the great banter.

Question 51

What if someone pays me cash for their portion of a split?

Accepted Answer

There's always someone who wants to do things differently! But that's okay, either:  Your friend can decline their portion of the split in Beem It, which will show up as a completed split payment. Or, you can close the transaction by clicking on the open split transaction and selecting close.  No dramas.

Question 52

Do you have to be a Beem It user before you can join a Group?

Accepted Answer

You sure do. But the good news is, all you need to do is sign up—you don’t need to activate your account or add a card to join a group. You'll even be able to settle up using cash if you prefer.

Question 53

How do I join an existing Group?

Accepted Answer

The thing is, 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”.

Question 54

Am I able to use Split Expenses as an individual expense tracker?

Accepted Answer

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 It 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.

Question 55

What is the difference between the Group Admin and everyone else?

Accepted Answer

As long as they are either 1) involved in the split or 2) belong to the group, everyone can: 1. View or delete an unsettled expense2. Add a friendThe Group Admin has a few extra perks. They can also: 1. Change the Group name2. Change the Group cover emoji3. Mark anyone’s expenses as settled4. Remove someone from the group (when everything is settled) 5. Delete the group (when everything is settled)

Question 56

What is the maximum number of people that can be in a Group?

Accepted Answer

Your bird watching club might be surprisingly popular (to us, not you), but unfortunately we do have to put a cap on it. Currently, there can only be 12 people in a group—including yourself. If you think you’ll need room for more, please logon to the app and send us a message via Help > Contact us.If there’s enough interest, then this just might be something we expand on in the future.

Question 57

What is the maximum number of Groups that I can be a member of?

Accepted Answer

While you might be able to juggle all of those social activities yourself, we do have a threshold that we can handle. Currently the maximum is 12 groups.If you’re unable to add a friend into a group, don’t take it personally—your friend might just have reached their 12 group maximum limit.

Question 58

How do I add a new person to the Group?

Accepted Answer

It’s super simple. Navigate your way to the group, click on the menu setting on the top right corner, and select "Add someone".The good news is, anyone can add any registered Beem It user to the group. But if your friend is not yet on Beem It, then you can shoot an invite to them by scrolling down past your list of contacts, and tapping on "Show my contacts". Send a subtle message to your flakiest friends, by inviting them to download Beem It.

Question 59

Someone added me to a group that I do not want to be part of.

Accepted Answer

Well that’s awkward. Not to worry though, you’re not locked in. You can leave the group by navigating to groups, tapping the menu settings on the top right, and selecting “Leave group”.

Question 60

Someone added me to a Group and incorrectly charged me with an expense.  What can I do?

Accepted Answer

There’s no need to initiate that awkward money chat. Simply mark the expense as settled, and you won’t need to worry about it any longer.

Question 61

Why can other people delete an expense that I’ve added?

Accepted Answer

This isn’t a dictatorship—anyone in a group can view or delete an unsettled expense, as long as they are either 1) involved in the split or 2) 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. So look at it this way, now the burden of being the organiser isn’t just on your shoulders. If you want to keep on top of things, while channelling your inner-prefect, you can see a record of who added or deleted each expense in your Group activity tab.

Question 62

I am unable to leave a Group.

Accepted Answer

The thing is, you can only leave a group if it’s all squared up. It’s only fair. The requirements for leaving are that:a) Your debts are settled—you no longer have any expenses owing, or owed to you, andb) All debts owed between friends have been settled. Even if your balance shows $0, you’ll have to stay until your mates get a move on and square up.

Question 63

Can I split an expense unevenly?

Accepted Answer

You sure can. While creating an expense, you can individually select each of your friends’ amounts, and then edit them. Too easy.

Question 64

Settling up made super simple?

Accepted Answer

We apply our “settling up made super simple” technology by reducing the number of payments required to square up the whole group.If your high school maths is a little foggy, this scenario might help. For example, Sam, Jo and Alex share an apartment. Sam owes Jo $50, and Jo owes Alex $50. Instead of making 2 separate payments, Sam can pay Alex $50 to square up the whole group.This minimises the number of total payments and ensures everyone is paid back quickly. No more chasing down those IOUs.

Frequently Asked Questions