WELCOME TO HOW TO FREQUENTLY CASH BY OPTUS™ LOAD FUNDS ASKED QUESTIONS If you’re reading this, then congratulations! You’re a Adding funds to your facility is easy, and you can load Q. Does the Cash by Optus™ SIM still do the things that a normal Q. Does Cash by Optus™ come with a PIN? few steps closer to making your smartphone even up to $500 at any one time. You can either: SIM does? A. No, it doesn’t come with a PIN. This is why Cash by Optus™ can’t be smarter. Cash by Optus™ is the easy to use and A. Yes, as long as you are on an Optus mobile service, your Cash by used for contactless transactions $100 and over or for transactions • Load funds from your bank using the Cash by Optus™ SIM lets you do all the normal stuff like make voice calls, that require a PIN. convenient way to pay with a simple wave, using Visa Optus™ BSB and account number given to you when text, send MMS and use data. payWave technology. Q. What should I do if I think my transaction history is wrong? you registered. This info can be found under the Q. What does it cost to use Cash by Optus™? A. If you want to dispute a transaction, simply fill out the transaction In this helpful booklet, we’ll talk you through how Load tab in the app. Loading funds this way takes A. There is no charge for getting the Cash by Optus™ SIM or app (other dispute form and email a signed, scanned copy to to register and load funds onto your Cash by Optus™ around 1 business day. than download fees). There are no additional standard monthly, [email protected] within 45 days of the date the facility. Plus, we’ll have some useful info and transaction or load fees, other than: disputed transaction was made. This form can be requested • Set up a direct debit via the app to pull funds • A foreign currency conversion fee of 3% of the foreign from within the app, in Dispute Transaction under Settings. The tips for you. manually or automatically from your bank. This transaction amount. transaction dispute form will be emailed to you, so make sure your takes around 3 business days. The first time you do • An Inactive Card Fee, if you stop using Cash by Optus™ and email address listed in the app is correct. If it turns out you made IF YOU HAVEN’T DOWNLOADED THE CASH this, you’ll also need to link your bank account to don’t close it. After 12 continuous months of not using Cash the disputed transaction you will be charged a $10 processing fee, BY OPTUS™ APP YET, YOU CAN FIND IT AT ™ just to cover our expenses. psst ... Cash by Optus™. There’s a wizard in the app that’ll by Optus , you’ll incur a $1.95 per month fee until your THE GOOGLE PLAY STORE. balance is reduced to zero, and then your Cash by Optus™ Q. I’m having trouble linking my bank account to Cash by Optus.™ prompt you to do this and walk you through the facility will be closed. A. It can take 1 to 2 business days for the link deposit, “CashByOptus whole process. • A Disputed Transaction Fee, if you dispute a transaction which LINK” to arrive in your bank account. If it doesn’t arrive, check that REGISTERING IS EASY turns out to be valid. This fee is $10, which goes towards the you entered your bank BSB and account number correctly. You’ll costs of investigating the transaction. have to start the process again if these details are incorrect. Activated your SIM? Downloaded the app? Well then HOW DO I CHECK You can only link to Australian banks and most other Australian • Data usage costs for use of Cash by Optus™ as charged under let’s begin with registration. non-bank financial institutions. It will not work with foreign banks your mobile service plan. If roaming overseas, data usage may MY AVAILABLE and accounts that don’t allow direct debit payments. There are no messy forms or long-winded ID checks. 50 be charged at a higher rate. All you have to do is open your Cash by Optus™ app FUNDS? $58. Q. Are there any limits on how much money I can load into my Q. Can I print or email my transactions history? You can check your balance Cash by Optus™ facility at any one time? A. Sorry, you can’t as there’s no print feature within the app. But you and register. It’s that simple! could take a screenshot and email it to yourself and print it. As the whenever you like, either in the app A. Yes, you can load up to $500 at any one time. Plus there are daily, Cash by Optus™ facility is designed for electronic use, you have or via a handy widget you can leave monthly and annual limits. The maximum funds you can load in agreed that notices, transaction information and communications one day is $1000 (which relies on you first spending the initial $500 SIMPLE & CONVENIENT on the home screen of your phone. related to the facility will be available electronically. before the second $500 is loaded.) The maximum funds you can WAY TO PAY load in a month is $3000, and in a year is $36,000. Please refer to Q. Can I suspend or close my Cash by Optus™? Have you used Visa payWave before? Well this is the Product Disclosure Statement for full details. A. You can turn off the payment function and automated loads ™ exactly the same. With contactless payment, all Q. What happens if I lose my phone? at any time, but you can’t actually suspend Cash by Optus unless your phone is lost or stolen. If you want to close your you need to do is hold your phone over the payment A. If you lose your phone, you must report this to Optus immediately Cash by Optus™ facility, just call the Cash by Optus team by calling us on 133 937. When we get your call, we’ll suspend terminal for 3 seconds. With a trusted name like Visa, on 1800 034 904 and they will be happy to help you out and your Cash by Optus™ facility as soon as possible. It is important return the available balance. your payment is in good hands. to promptly report your phone as lost as you may be liable for Just remember, Cash by Optus™ isn’t issued with a transactions made using your Cash by Optus™ facility prior to it Q. Does the app need a passcode to open it? PIN (like a traditional payment card), so contactless being suspended by us. If you find your phone, just let us know and A. You don’t need a passcode to open the Cash by Optus™ app, but we’ll automatically reactivate it. some app functions such as changing your contact details and transactions are limited to under $100, unless the creating a direct debit do need a passcode that is set by you. merchant sets a lower limit. Q. Do I need to open the app to make a contactless payment? A. No. If you want to make contactless payments without opening the Q. Does Cash by Optus™ work at all contactless terminals? app, make sure “Contactless on Open” is set to OFF in Payment A. Cash by Optus™ should work on most Australian contactless Settings in the app. This way, Cash by Optus™ will behave like terminals. Just hold your phone over the payment terminal for a traditional card and always be available to make contactless around 3 seconds. payments whether the app is open or not, or generally even when your phone battery is out of juice. HOW DO I CHECK MY ONLINE, OR OVER NEED A LITTLE EXTRA PAYMENT HISTORY? THE PHONE INFO? In the screen shown, you can get a real time If you’d like to pay online or over the phone, just Check out the Cash by Optus™ web page at transaction history. Tap the transaction and you’ll quote your Visa Prepaid Debit card details as seen www.optus.com.au/cash for more detailed get a little more detail, which is handy when you in the image below. It’s just like a traditional Visa information. Or give our Cash by Optus team a ring on can’t quite remember when or where you spent a card transaction. 1800 034 904. We’re happy to help. certain amount. Online and telephone payments, using the Visa MONEY Prepaid Debit card, are limited to $250. Cash by Optus™ is meant for electronic transactions, so you won’t be able to withdraw cash from an ATM or merchant, just pay for things. MADE MOBILE QUICK START GUIDE TO THE CASH BY OPTUS™ FACILITY THE NITTY GRITTY: Cash by OptusTM is issued by Heritage Bank Limited ABN 30 087 652 024 AFSL 240984 (Issuer). Any advice contained in this document is provided by Optus Mobile Pty Limited ABN 65 054 365 696 as authorised representative of the Issuer. This document has been prepared without taking into account your objectives, financial situation or needs and so you should, before acting on the advice, consider the appropriateness of the advice having CHECK OUT THE SETTINGS MENU FOR regard to your circumstances. You should also obtain and read consider the Product Disclosure psst ..