What is Beem It all about?

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, track your expenses on trips away and make purchases all with the one app. 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.

How much does it cost?

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 from your bank account as these could apply (although it's very rare).

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.

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 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 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 ASAP, and change your Beem It passcode.

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

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 your chosen app store 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.

Tell me about privacy.

The only information that another Beem It 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 It users. The Privacy Policy can be located at docs.beemit.com.au/privacy.

What info do I need to sign up?

Okay, there’s a few things, so bear with us here. To create an account you'll need: An email address An Australian mobile phone number This will give you access to loyalty card storage and group expense tracking. To make payments to others you’ll need: Valid ID documents (Australian Driver Licence, Medicare Card, Australian Passport or International Passport) An Australian bank VISA/Mastercard debit card with an eftpos logo Access to the bank account linked to that card If you just want to purchase through the Beem It checkout you'll only need: An Australian bank VISA/Mastercard Access to the bank account linked to that card Please note that you can only create a Beem It account while you are in Australia.

Can I open an account outside of Australia?

Sorry folks. Currently you can only complete registration for a Beem It account while you are in Australia. You can use the app overseas once you register though.

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 It are the ones making the payments. 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.

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

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 (for international passports, make sure they match your immigration visa documents) 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, please reach out as we can accept some other forms of ID (but not all).

I've verified my Overseas Passport but don't have an Australian Drivers Licence or Medicare Card.

Off the back of customer feedback we've recently improved our customer onboarding to allow for additional verification options for people from the following countries: 🇧🇷 BRAZIL 🇨🇳 CHINA 🇩🇰 DENMARK 🇭🇰 HONG KONG 🇮🇹 ITALY 🇮🇳 INDIA 🇷🇴 ROMANIA 🇷🇺 RUSSIA 🇸🇬 SINGAPORE 🇿🇦 SOUTH AFRICA 🇪🇸 SPAIN 🇬🇧 UK If this is you, please email support@beemit.com.au and we can provide further information and next steps. If your country is not on this list, we are looking to increase options for more countries in the near future so stay tuned!!

Operating System Requirements

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.

What's the username for?

Usernames help your mates identify & transfer money to you, while keeping your personal details private. The username will appear for anyone who has you on their phone’s 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 (_)) Is not misleading, offensive or inappropriate. We all love a good joke, but let's keep it PG.

I didn't get my email verification.

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.

I didn't get my mobile verification code.

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.

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

We accept both debit cards and credit cards on the app. There are some differences with what you can do though. Debit Cards - Payments to each other and Beem It Checkout Credit Cards - Beem It Checkout only For debit cards you can use any Australian bank scheme (Visa or Mastercard) debit card with the eftpos® logo 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. 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? If you are unsure how your card is set up, please contact your bank.

Why do you need to charge two tiny amounts?

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 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.

Where do I find the two small transactions?

Just like transferring money with Beem It, the two transactions appear immediately. 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 Whilst for credit cards they'll appear in your pending transactions. 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

My two tiny amounts haven't been reimbursed

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.

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. You will still be able to access the app, however, and more features are being added frequently.

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

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.

What are the current transaction limits?

Payment (including through Checkout with Beem It): 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 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 25 pending splits/requests open at any one time. Receive: There is a rolling 30 day receiving limit of $10,000. Damn, good for you if you reach this in 30 days.

What can others see about me?

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.

What can I use my credit card for?

You can use your credit card to make purchases through Checkout with Beem It at participating merchants. This means you can enjoy the smooth and lightning fast payments experience of Beem It when buying things online. It'll also help you keep a track of what you've purchased. You can't transfer to or from your credit card.

Can I use Beem It overseas?

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.

How does Beem It show up on my bank statement?

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

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

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'.

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

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.

How do Beem It payments work?

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.

How do I pay someone money?

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. From your contacts or with a Beem It username Select Pay, input how much, who to and what for. Swipe and it's done. Using a QR code Scan the users code, input how much, and what for. Swipe and it's done.

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

Awks. If you've tried to pay someone and it didn't work then please: Check that your card is still valid and theirs too. 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.

How do I ask someone to send me money?

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.

Can I pay someone not on Beem It?

You can use Beem It to send money to friends who aren't as cool as you and don't yet have the app. They'll 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 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.

Can I transfer between two of my own cards?

Money management your thing? Pay yourself back by transferring between cards. If you have at least 2 debit 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.

I haven't received a payment

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 log on to the app and use the contact link to send a message to Beem It Customer Support.

How long are my requests 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 can I protect myself from scams?

If it seems too good to be true it probably is—so if in doubt, don't send the funds. We're not aware of any Nigerian princes who use the app, and we are certain the ATO isn't so if you receive something that looks suspicious, err on the side of caution and don't send the payment. Beem It payments are instant so once they are sent they are gone and cannot be stopped in flight. So ensure you can trust the person you are sending money to. If you think you have been scammed please let support@beemit.com.au know so we can stop these users.

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

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.

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, 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.

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

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.

How do I block a user?

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.

Can I decline money that someone has sent me?

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.

How do I cancel a request?

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.

How do scheduled payments work?

It does just what it says on the box, 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. Make sure you're going to have funds in your account at that date though as we won't be able to process it without the money being there.

How do recurring payments work?

Need to pay your mate back in instalments? All you have to do is tap 'Now' when setting up a payment, and select the date and frequency. Make sure you're going to have funds in your account at that date though, as we won't be able to process it 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. In order to cancel the payment, tap on the tile to expand it, and select the delete icon in the corner. Just need to make an edit? Sorry folks, you'll have to cancel the current setup and start again.

What time will my scheduled payment be processed?

Life is full of mysteries and this may be another one. We'll give you time to have the funds in your account and the payment will process some time after 11am. Turn on those notifications if you want to know when it goes through.

How many scheduled payments can I have?

You can have up to 30 scheduled payments on the go

What if my scheduled payment fails?

We'll let you know and you can process the payment yourself. Might be worth checking why it failed before doing so though. Make sure that: There are enough funds in the accounts The card details are correct and not expired You check the same applies for your intended recipient

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.

Can I change the split amount allocated to each person?

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.

Frequently Asked Questions