Beyond Bank‪+‬ 4+

At Beyond Bank Australia, our goal is to help you achieve yours, so sit back, relax and let Beyond Bank+ do all the heavy lifting for you.

Spreadsheets be gone!
Set up your budget and track your progress. Beyond Bank+ shows you exactly how much you’re spending on groceries, eating out or your sneaky entertainment subscriptions.

Take a deep-dive into your spending.
Beyond Bank+ automatically categorises your spending so you can see where your money is going. You can personalise even further by adding #hashtags.

Kick goals.
Whether it's a new home, car, holiday, or you're saving for that special something, Beyond Bank+ makes kicking those savings goals easier by tracking your progress along the way.

-- How does Beyond Bank+ work?
In just four easy steps we’ll help you turn around your finances.

1. Link your accounts - Get started by linking all your financial accounts (transaction, savings, credit card, loans, super, investment and more) with Beyond Bank+ to see them all in one place. We use Open Banking (CDR) to safely and securely link your accounts and provide you with a real-time view of your finances. We’ll categorise all your transactions into convenient groups like ‘salary’, ‘groceries’ and ‘gym & fitness’.

2. See where your money is going – We’ll keep track of your regular payments and when they’re due, whether it’s your rent, Netflix or energy bill. Our easy to read, customisable graphs will show you exactly how much you’ve spent on each category and how that’s changed over time.

3. We’ll send you smart money tips and notifications - We’ll let you know when you have insufficient funds to cover upcoming bills, when you can save on subscriptions or have spent more on groceries than you usually do. These and many more insights will help you turn around your finances.

4. And we’ll help you stay on track - Set and track budgets for spend categories, or create goals to save for a holiday, house deposit or emergency fund. You can link your goals to an account to automatically keep track of your progress.

-- Beyond Bank+ uses Open Banking (CDR) to link accounts
Beyond Bank+ uses the Consumer Data Right (Open Banking) to link your accounts. This is a safe and secure way to share financial data, without sharing your account credentials.
Using Open Banking means you’re in control, you decide what data to share and for how long - and you can always tell us to delete your data.
It also means lightning-fast account linking and real-time transaction updates.
Open Banking is currently available for Beyond Bank, the Big Four banks, plus a number of other banks. We’ll keep adding new providers when they become available. When a provider isn’t available on Open Banking yet, we provide access using screen scraping.