• Manage your home loan, savings and everyday accounts online with myRAMS

  • Make a payment

    Why stand in queues when you can pay your bills with just a few clicks?

    With myRAMS you can pay and schedule your bill payments and money transfers online plus get a quick record of all your transactions.

    Find out how easy it is with one of our short tutorials:

    • Pay Bills

      Paying bills using myRAMS Internet is easier than you think. You simply need to:

      Step 1. Select the 'From Account'.

      Step 2. Select 'To Biller', if you've nominated a Biller already. Otherwise, enter the Biller code for the organisation that you're paying the bill to.

      Step 3. Once you have the Biller code, enter your Customer Reference Number.

      Step 4. The Save Biller checkbox will be checked. Please un-check if you do not want to save this Biller to your records.

      Step 5. Enter the 'Amount' you wish to pay.

      Step 6. Enter a 'Description' for this transaction.

      Step 7. Nominate to Perform Payment by either selecting 'Pay Now' or 'Pay Later'. If you opt to 'Pay Later', you'll need to schedule the 'First Payment Date' and the 'Payment Frequency' which will appear when you select the 'Pay Later' radio button.

      Step 8. Click on the 'Submit' button to complete the transaction.

      You'll be sent a one time password to your mobile which you'll need to enter on myRAMS Internet. You'll then see another screen that will confirm that you wish to proceed with this payment. Click on the 'OK' button to confirm or 'Cancel' if you wish to stop this payment.

      Pay bills

    • Manage Billers

      The Manage Billers page will show you the following:

      1. From Account
      2. Biller Code
      3. Biller Name
      4. Customer Reference Number and
      5. Action.

      You can manage your billers by using the 'Pay' or 'Delete' Action links. If you click on the 'Pay' link, you'll be directed to the 'Pay Bills' page. If you select the 'Delete' link, you'll be asked to confirm that you want to delete this BPAY® biller.

      You're also able to 'Create New Payment' by clicking on the so named link. This link will take you to the 'Pay Bills' page to enable you to complete this action.

      Manage billers


    • Scheduling future bill payments

      You can schedule regular BPAY® bill payments so you don’t have to worry about missing any. This page will also show any payments you have scheduled.

      To set-up a payment, select ‘Bill Payments’ from the Menu on the left.

      Click on BPAY® if you are scheduling a payment to a new biller. Otherwise, click on ‘Manage Billers’ to see the list of billers you have already used and saved.

      Click on ‘Pay’ under the ‘ACTION’ heading and scroll down to ‘Perform Payment’ and click on ‘Pay Later’.

      You can set the date and frequency of the payment to save you coming back each time that payment is due. It’s all done for you!

      Future payments


    • View BPAY® History

      The ‘View BPAY History’ feature allows you to quickly see the BPAY bills you have paid and when.

      You’re able to search by selecting a date range or selecting an ‘Activity Group’ from the dropdown menu and clicking on the ‘View’ button. Your BPAY transaction history will automatically display up to 10 listings per page and up to 100 entries in total. If you’d like to change this setting go to ‘My Account Settings’ to change this list size.

      View BPAY history