Need a hand? We’ve got you.

iOS 14 and Android 6.0 'Marshmallow' or higher are necessary for the smooth operation of the Beem app.

For Android devices, please make sure that you download the app from Google Play Store.

We currently accept a valid Passport, an Australian drivers licence and an Australian Medicare card.

We don’t currently accept Pension/Proof of Age/Photo/Student/18+ cards, birth certificates, bank accounts or utility bills.

Hopefully in future we'll be able to verify using alternate ID sources so please keep an eye open.

Beem accepts all international passports that have a current Australian visa associated with them. 

Before attempting to verify your identity, ensure that your Australian visa is still valid and that your international passport has not expired.

If your international passport has expired and you have received a new international passport, you will need to link your current Australian visa to your new international passport. You can do this by going to the Department of Home Affairs website. 

When verifying yourself with your international passport, please:

• Enter all names according to your Australian visa issuance document.

• Your name may be different on your Australian Visa compared to your passport. Please type your name in accordance to your Australian Visa. 

• Enter your passport number and expiry date correctly.

• Enter your Australian residential address when prompted.

Once you have verified your international passport then you will need to add an Australian drivers licence or Medicare card to complete the registration process.  If you do not have either of these documents then we will not be able to progress your application for an account.

Beem currently accepts learners permits, probationary and driver licences issued in all states and territories of Australia.

Before using your licence make sure it is still valid.

For residents in New South Wales make sure that you are using your physical drivers licence card in order to verify your identity, as your digital licence may not match what is on your physical licence.

South Australian and Queensland digital driver licences are generally accepted.

Card Numbers

From the 23rd of August 2022 residents of some states and territories will need to verify their card number in addition to their Licence/Permit Number on their Drivers Licence. 

You should be able to find examples of where to find your card number below. Ensure you enter the correct number in the correct field.

Australian Capital Territory

Your card number will be located on the front of the licence, towards the left side of your photo. 

New South Wales

Your card number will be located on the front of the licence, towards the top-right corner under the heading “Card Number”.

Northern Territory

If your licence was issued before the 1st of December 2020

Your card number will be located on the back of the licence, on the bottom-left corner. 

If your licence was issued after the 1st of December 2020

Your card number will be located on the front of the licence, towards the right of the transparent window on the bottom.

Queensland

If your licence was issued before June 2019

Your card number will be located on the back of the licence, towards the bottom right of the card, under the heading Card Number.

If your licence was issued after June 2019

Your card number will be located on the front of the licence, towards the centre middle of the card, under the heading Card Number.

South Australia

Your card number will be located on the back of the licence, on the top-right corner.

Tasmania

Your card number will be located on the back of the licence, on the top-right corner. 

Victoria

Please see the FAQ page, "Verifying your Victorian Drivers Licence" for more information.

Western Australia

Your card number will be located on the back of the licence, on the right side of the last digit of your year of birth.

From the 19th of December 2022 VicRoads is mandating all Victorians to verify their card number alongside their drivers licence number/permit number in order to verify their identity.

Please see the following below on where to find your card number.

If your licence was not compromised in the 2023 Optus data breach.

Your card number will be shown at the back of your card, on the bottom of the last digit of your year of birth. 

If your licence was compromised in the 2023 Optus data breach and you have received a new licence.

Your card number will be shown at the back of your card, on the top right hand side of your licence.

If your licence was compromised in the 2023 Optus data breach and you have not yet received a new licence.

VicRoads should have issued you a label that contains your current address and card number. Your card number should be on the bottom line of that label.

You can also find your card number through the myVicRoads web portal if you already have a myVicRoads account. However keep in mind that a physical card is still required to verify your licence as the web portal may display your name differently to how it is registered on your physical card.

Before trying to verify your identity, please ensure that your Medicare card is valid and has not reached its end of expiry.

If your Medicare card is expiring within the next two months, you may have been issued with a replacement card. Please use your replacement card to verify yourself.

If you have not received your replacement card, you may have to wait to receive it before trying to verify yourself.

Please use your physical card to verify yourself. Digital cards from the Express Plus Medicare app may not reflect what is on your physical card and thus you may have trouble verifying yourself.

When entering your Medicare card details, make sure to:

• select the correct Medicare card colour

- Green: Australian Resident

- Blue:    Interim

- Yellow: Reciprocal

• enter the correct 10 digit Medicare card number

• enter your name as shown on your card.

• enter the correct individual reference number; this is on the left of your name.

• enter the correct expiry date.

If your name is shown on two lines, please select the 'My name wraps across two lines' option and input your name exactly as how it is shown on your Medicare card.

You can also use ConnectID to verify your identity if you bank with CBA, Westpac, NAB, or ANZ Plus.

1. Enter one form of ID (Australian Passport, Driver Licence, Medicare card, or Australian Visa).

2. Select ConnectID.

3. Choose your bank from the available options and follow the prompts to authenticate on their platform.

4. You’ll be redirected back to the Beem app to complete your sign-up.

If you want access to loyalty card storage and group expense tracking you’ll need:

• An email address

• An Australian mobile number

If you want to make payments or to receive payments you’ll also need to complete the ID process and add a valid debit card:

  • Valid ID documents (Australian Drivers Licence, Medicare Card, Australian Passport or International Passport)

  • An Australian bank card that is eftpos online enabled

  • Access to the bank account linked to that card

If you want to purchase through the Beem checkout you’ll need:

  • An Australian bank card that is eftpos online enabled or a VISA/Mastercard

  • Access to the bank account linked to that card

Please note you can only create a Beem account while you are in Australia.

In order to ensure payments are safe and secure, we need a form of ID from each customer to verify everyone on Beem are the ones making the payments.

Some customers may require more than one ID.

Are you overseas or using a VPN showing a non Australian location?

You cannot open an account while you are overseas.

You cannot open an account 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.

A couple of options for you to try are:

• Given name: enter <Name>

• Last name: enter a full stop or hyphen

OR

• Given name: enter a full stop or hyphen

• Last name: enter <Name>

Unfortunately we don't know how your name is registered so it's a matter of trying different combinations before finding the one that works.

Try entering a space instead of a hyphen.

Unfortunately we don't know how your name is registered so it's a matter of trying different combinations before finding the one that works.

You need to use an Australian residential address for all documents.

Usernames help other users identify & transfer money to you, while keeping your personal details private.

The username will appear for anyone who has you on their phone 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), and

• not be misleading, offensive or inappropriate.  We all love a good joke, but let’s keep it PG.

Check your junk/spam folder.

Check for any typos you might have made in your email address.

If you have sufficient coverage and are still not receiving the messages, please contact your network provider to see if there are any other issues.

Alternatively try using a different email address.

You cannot pay or receive money without completing registration so you’ll need to do this before you can start a transaction.

If you don't complete the registration process then you will only be able to:

• access the app 

• send a request (but not receive a payment)

• store loyalty cards, and

• purchase gift cards.

We accept both debit and credit cards on the app. There are some differences with what you can do though:

- Debit Cards: payments to each other, interbank transfers, accumulating cashbacks from Rewards, and Beem Checkout

- Credit Cards: gift cards and accumulating cashbacks from Rewards

Debit Cards

You can use Australian bank cards that are eftpos online enabled.

Dual Cards

Cards that have both debit and credit functionality are usually a credit card rather than debit card - even though it may have access to other accounts.

Prepaid Cards

We're generally not compatible with prepaid cards and travel cards as they don't operate on the eftpos network (and are usually classified as credit cards). 

Update: eftpos online enabled cards

From 1 March 2023, Beem will implement changes to ensure that transactions get to their desired destination. As such, we will no longer be able to facilitate instant transfers to or from cards that are not eftpos online enabled.

This includes cards issued from:

  - Citibank
  - Macquarie Bank
  - Southern Cross Credit Union
  - Indue, where the first six digits of a card start with:

⊳ 438875
⊳ 458524
⊳ 483867

These cards however can be used to:
  - accumulate cashbacks from Rewards
  - buy gift cards
  - make BPAY payments

If you are impacted by this change, you will need to add another debit card in order to continue having the ability to receive and send payments.If you have any questions please reach out to us via the Help section of the app or by emailing support@beem.com.au and our support team will be happy to assist you.

We do not currently accept BSB and bank account numbers.

Adding a card to Beem is simple and easy.

You can add up to 5 cards on Beem, regardless of whether it's a debit or credit card.

• Head onto your Beem app and tap the Wallet section in the middle of the menu panel.
• You should then see Add a card.  Tap Add and follow the steps that will guide you through.
• Be mindful to enter your card details correctly to avoid any issues.

If you are on the latest version of Beem, you will be prompted for a simple check to ensure the card is compatible.

If you’re adding a:

• debit card, we’ll typically debit one cent and credit you back right away.
• credit card, we’ll typically place a charge of one cent which will have a pending status then be cancelled. The transaction will not be charged to your account.

You can add up to 5 different cards.  Just select Account>Payment cards.

Make sure you select a debit card as your default card.

When you transact you can pick and choose whichever card you want.  However, if you don’t select a card then your default card will be used.

To make it easier you can also nickname your cards.

You can use your credit card to make purchases through Beem Checkout at participating merchants.  

You can’t make a payment or receive a payment using your credit card.

You also can’t transfer to and from your credit card.

Have you removed the card from another Beem account or recently closed an account which had the card attached?  If so, you will need to wait at least 5 days before you can add it to a new account.

Has your card expired?  If so, you need to remove the card from your account before you can add the new card.  This can be done by navigating to your wallet, located via the icon in the middle at the bottom of the screen (what looks like a card with a heart in it), select the card you want to remove, tap on 3 small dots in the top right hand corner and select Remove this card.

Is it a new card?  If so, you need to use it at least once before trying to add it to your Beem account.

If you’re still unable to add a card, please check that it meets the following criteria:

• has more than $2 in the account

• has online transactions enabled

• is not blocked for any reason, and

• is not already in use on Beem.

If you are unsure how your card is set up, please contact your bank.

If it meets the criteria, try adding it again.

If it still doesn’t work, please send the first 6 digits of the card to Customer Support who will check whether the card is compatible with the app.

Payment (including through Checkout with Beem): 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 25 pending requests/splits open at any one time.

Split: You can split a bill up to the value of $9,999.99.  A user can also have 25 pending splits/requests open at any one time.

Receive: There is a rolling 30 day receiving limit of $10,000.

Beem is just like paying someone in cash.  It’s instant, easy and goes straight into their bank account.

Just make sure that you know the person you’re paying because once the money’s sent, it’s in their account.  There is no backspace button.  Once it’s gone, it’s gone and we can’t reverse the transaction.

There are two ways that you can make a payment.

From your contacts or with a Beem username:
Select Pay, input how much, who to and what for, swipe right and it’s done.

Using a QR code:
Scan the users code, input how much, what for, swipe right and it’s done.

QR codes are used on the platform as a convenient way to scan and pay. It helps users automatically populate the details for a transaction so it's quick and easy to then swipe and pay. 

From the home screen, tap the scan icon:

• SCAN CODE allows you to scan QR codes with the camera on your phone.

• MY CODE displays your QR code with your username.  Other users can scan your code to send you a payment.

• GENERATE allows you to create a QR code.

• GENERATE A CUSTOMER CODE allows you to enter an amount and description that is unique to that QR code.

• CREATE A COUNTER DISPLAY allows you to create a QR code that can be printed out and displayed on a counter.

From the home screen:

• Select request.

• Enter the amount.

• Select ‘Anyone with the link’.

• Enter a description.  

• Slide to create.

If you want to add a theme or graphics, you can make it extra special by adding a GIF or sticker to your message.

You can use Beem to send money to friends who don’t yet have the app.  But they’ll only 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.  They’ll have 14 days to register for an account and claim the money.

The funds will be only debited from your account when the other person has fully set up their account including adding a debit card.

If you send a payment to another Beem user and the other user has notifications turned on then they will get a notification of the payment.  They will also be able to see the payment on their activity page.

The other user will be able to see your username, the payment details and message but they won't be able to see any other personal details about you.

Reactions on the platform are a fun way to thank someone for sending through a payment. 

Simply tap on a received tile and tap an emoji icon.

Make sure your default card is still valid and active.  

Some other things you can check are:

• You are using the latest version of the app.

• The software on your phone is up to date.

• The recipient's default card is still valid and active.

• You have enough money in the account to cover the payment.

• You haven’t exceeded the daily transfer limit.

• You haven’t exceeded the 30 day rolling limit.

• There are no locks or blocks on the account.

• Online transactions have been enabled.

If your card and account details are okay, try removing and adding your card again to see if this makes a difference.

If not, please contact Customer Support for assistance.

Beem payments are instant - the money is in the other person's account a few seconds after you swipe so we can't stop it in flight or reverse the transaction.

Try sending a ‘Request’ to the other person asking for the money to be returned. You can send up to 25 requests.

You could also contact your bank to see if they can help resolve this for you.

It will usually be in your bank account straight away.  

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 experience any unusual lengthy delays, please use the Help>Contact us link to send a message to Beem Customer Support.

There are times where a payment has been sent but the recipient does not receive the funds. There are a few reasons why this may occur and some examples are:

• Delayed processing times by the financial institution.

• Maintenance operations by the financial institution.

• An outage may have occurred with the financial institution or internally.

• An error message occurred, the transaction was unsuccessful but funds were still deducted from the sender's bank account. 

There’s a few things you can do.

• Check the activity page on your Beem account to see if the payment was successful.

• Check with your financial institution to see if the funds have been withdrawn/deposited into a different account e.g. a savings or cheque account.

• Check that the card linked to your/their account is still valid and/or not blocked.

If you still can’t find the payment, please logon to the app and use the Help>Contact us link to send us a message and we’ll look into it as quickly as possible.

Transaction descriptions will vary from bank to bank.  Some examples are:

• beem it

• beem

• edaf withdrawl

• Refund

Information like usernames and messages will not show on your bank statement. 

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'.

Beem users can send you money even if you don't have a Beem account.  All you need to do to is collect it is to create a Beem account.

If it looks a little dodgy and you’re concerned that the message you’ve received is a scam, 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.

The funds will not leave the sender's account until you are ready to receive the payment.

Just be aware that you only have 14 days to collect the funds before the transaction expires.

If someone has sent you payment in error or you don’t want the payment, you can simply send the money back to the sender.

From the home screen:

• Select request.

• Enter the amount.

• Select a user from your contact list.

• Enter a description.  

• Slide to request – and you’re all done.

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. 

You can send up to 25 requests.

Yes, if you have at least 2 debit cards linked 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.

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.

To cancel a request, go to the Activity page 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.

Beem will never send you a request for money.

If you receive a request for money from someone claiming to be from Beem, please decline the request and let us know.

If you receive a request from someone you don’t know, you can either ‘Decline’ the request, ‘Block User’ or ‘Cancel'.

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.

If the user has sent you a request, 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.

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. and

• select the debit card you'd like the payment to be made from.

Make sure you have funds available in your account at that date as we won’t be able to process it without the money being there.

You can schedule recurring payments either weekly, fortnightly or monthly.

All you have to do is tap ‘Now’ when setting up a payment, select the date and frequency of the payment and select the card you'd like the payment to be made from.

Make sure you have funds available in your account on those dates as we won’t be able to process a payment without the money being there.

You’ll be able to find your upcoming payments in the activity feed under pending.

To cancel the payment, tap on the tile to expand it then select the delete icon in the corner.

You can’t edit an existing payment.  You have to cancel the current setup and start again.

The payment will process some time after 11am AEST.

Make sure you have notifications turned on if you want to know when it goes through.

You can schedule up to 30 payments.

We'll let you know and you can process the payment yourself.

It might be worth checking why it failed before doing so though.

Make sure that:

• There are enough funds in the account.

• The card details are correct and not expired.

• You check the same applies for your intended recipient.

Sending someone something special? Just want to put an extra something with your payment?

To send a sticker, simply start a payment as you normally would and select the sticker icon in the top right-hand corner.

From there you can pick your sticker, write your message and surprise the other party with money they can spend as they choose.

Got a great idea.  Just log on to the app and send us a message using the Help>Contact us link.

Like to get the annual birthday, Christmas and valentines gifts sorted on Jan 1?

You can schedule gifts just as you would a normal payment.  Just make sure you have sufficient funds available on the day.

Normal transaction limits apply.

Head to the Rewards page and tap "Let's Go".

Then select the cards you would like to receive Beem rewards on and select "Count me in".

It's that simple!

Beembucks are the cashbacks you can choose to redeem as part of Beem Rewards.

Beembucks can be cashed out into your nominated debit card once you've stacked up at least $10 in your balance.

Currently your Beembucks can only be cashed out to your nominated debit card.

Yes, offers are available online and in-store at participating retailers.

When shopping in-store, any eligible offers are applied automatically to your Beembucks balance.

When shopping online, browse and spend via the Beem app to redeem any offers.

Auto offers apply when you have added your card to Beem Rewards and spend in-store at participating retailers.

To redeem offers when shopping online, you have to shop via the Beem app.

Always check out the T&Cs of each offer to be certain you get that cashback.

Processing times vary from retailer to retailer.

Different retailers will have different processing times which are dependent on their relationship with your financial institution.

Your offer will be processed as soon as we receive confirmation from the retailer.

This varies from retailer to retailer and the time taken by your financial institution to clear the funds. On average, in-store cashback can take up to a few days while online purchases can take up to 3 months.

Once your Beembucks are deemed available, you'll be able to transfer the funds to your nominated debit card instantly.

Yes, you need a minimum of $10.

Yes, the daily limit is $2000.

No, you will not receive interest on your Beembucks balance.

There are no transaction fees associated with your Beembucks.

Offers will expire so we suggest redeeming them while they are available.

Please check your transaction history within your Beembucks card.

If you're unable to see your transaction history please contact Customer Support.

Rewards vary depending on the retailer so please refer to the T&Cs specific to the offer.

At this stage gift cards are not available in conjunction with Beem Rewards.

At this stage gift cards are not available in conjunction with Beem Rewards.

You can transfer Beembucks to your nominated debit card linked to your Beem account.

There are a few things that could be stopping you from withdrawing your Beembucks:

• Make sure you have a debit card linked to your account and it has been selected for cashing out.

• Make sure you are withdrawing a minimum of $10 and that all funds are 'Available' and not 'Pending'.

If you're still having issues, please contact our Customer Support team.

No, Beembucks cannot be transferred to a credit card.  You will need to add a valid debit card and set it as your default card in order to transfer available funds from your Beembucks.

Please check the receipt for your offer and always take note of the T&Cs relevant to the offer before you checkout.

If we receive a reversal from the retailer we will decrease either the 'Pending' or 'Available' balance of your Beembucks.

Beem keeps track of all your rewards for you within your Beem account.

You can view your previous transactions by going into your Beem Wallet.

You can have up to 4 cards linked to Beem Rewards.

Make sure you select one debit card as the default card to transfer your funds into.

Please note that Beembucks cannot be transferred to a credit card.

Please ensure your card isn't already registered to another offers program that is powered by PokitPal.

In order to add your selected card to Beem rewards, please de-register it from any other offers program first.

You won't be able to add your card if it is already registered to another offers program powered by PokitPal.

In order to add your selected card to Beem rewards, please de-register it from any other offer programs first.

If your card has expired you will not be able to make a purchase which means you will not be able to receive any offers from Beem Rewards.

You will need to remove the old card then register your new card with the new expiry date to be eligible for any future offers from Beem Rewards.

When a card is removed from your Beem Wallet it will also be removed from Beem Rewards.

Paying bills via BPAY® on Beem is quick & easy.

Navigate to the home screen and tap on the 'BPAY®' button to launch the feature.

From there, follow the prompts to input the bill details directly from your bill and then simply swipe to pay.

To pay a bill with BPAY® on the Beem app, you'll need to be a registered user of the app with a valid ID & linked Australian debit card.

You'll also need the bill details, so make sure those are handy!

BPAY payments currently have a maximum limit of $2,000 per transaction.  However, there is no limit to the number of transactions you can make in a day.

Once you've paid your bill, you'll be able to request or split the funds with mates without leaving the app.

You can either do so via the receipt screen or by tapping on the payment in your activity tab.

To select a biller, you can either search using the specific biller code/name or simply choose from our list of popular billers.

If you're inputting the biller details, we'll also confirm the number is valid.

Unfortunately once the bill is paid you won't be able to edit the details.

If you still have an amount left owing, we recommend processing an additional payment to ensure you're all paid up.

Alternatively, if you've paid the wrong biller please reach out to our Customer Support team via the Help>Contact us link.

For your payment to be treated as received by the Biller on the same day, you must complete it before 5pm Sydney time on a banking day.

If you pay your bill after 5pm, or at any time on a weekend or public holiday, your payment won't be received until the next business day.

Note: your biller’s online portal may take a few days to reflect your payment.

We try our best to ensure this doesn't happen by validating the biller code and CRN.

However If you've accidentally paid the wrong biller, please reach out to our Customer Support team via the Help>Contact us link and they'll assist you as best they can.

At this point in time, you cannot schedule bill payments but be sure to keep an eye out as this may be an option later down the track!

To find the specific biller you are after you can either input in the details manually from your bill, or choose from our popular billers.

Your Customer Reference Number (CRN) can be found next to the BPAY® logo on your bill.

As soon as you process the transaction aka swipe to pay, the designated amount will be debited from your account.

Your best course of action is to reach out to our Customer Support team directly via the Help>Contact us link and they can investigate for you.

If you need to dispute a BPAY transaction, please contact our Customer Support team immediately via the Help>Contact us link.

You can also learn more about our dispute resolution process in our terms and conditions.

The details of your payment will be stored along with the transaction in your activity feed. To view them, simply tap on the activity tile.

There isn't currently an option to view your bills using the app. But if this is something you really want to see, let us know and we'll try and get it for you sooner.

Once you've paid your bill, the payment will be reflected in your bank account showing 'BEEM' in the description in line with the amount of the transaction.

Download the Beem app, set up an account with a valid Australian debit or credit card, navigate to the home screen to find the gift card button and tap on it to launch the feature.

There you’ll be able to browse our gallery of brands and select the one you’re after before personalising the card with your message and animation of choice.

In typical Beem fashion, you’ll process your order with a simple swipe to pay which will generate a link for you to share how you like!

• Select Gift Cards.
• Select your card.
• Write a message.
• Add a sticker or a GIF.
• Preview card (the curved arrows on the bottom right of the card will allow you to rotate the card and view the other side).
• Tap to change card if you don’t want to use your default card.
• Slide to pay.

Just like you would cash, treat the link with care as anyone who gets their hands on it will be able to redeem your gift, even if they’re not the intended recipient.

You can simply purchase your gift card as you would for anyone else - just keep the link to yourself!

You can send a gift card to anyone, even if they're not on Beem (yet!). Once your link is generated, you can gift it your way: text it, tweet it or even print it out and send it the old school way.

Just Remember the link is like cash & if it falls into the wrong hands, they'll be able to use the card.

Most gift card providers will let you check your balance via their website.

Check out their website for instructions on how to do this.

When you receive a link to a gift card it will take you to a webpage so you can view the card and read the message.

Most gift cards will include a barcode or code that can be used in store and/or online.

Simply input or scan the code and enter the PIN if required at the relevant store.

Different gift cards have different amounts available. You'll be able to find out the specific details once you've selected the card - otherwise normal transaction limits apply.

Once a gift card is purchased the value is set so you will not be able to alter the amount.

Unfortunately gift cards are non redeemable for cash.

Unfortunately gift cards are non refundable.

Gift cards are like cash, and if someone else has the details they may be able to redeem your gift if it hasn't already been redeemed. We'd recommend using your gift card as soon as possible to ensure you get there first.

Otherwise, you can contact the store directly and they may be able to issue a new one if it hasn't been redeemed.

If somebody else sent you a gift card, reach out to them directly as they’ll be able to find the link in their activity feed for you.

Otherwise, get in touch with our support team via the Help>Contact us link and they’ll help you out.

Unfortunately when a gift card expires, it's expired. If we could turn back time we would!

Once you've purchased your gift card, any questions or issues regarding purchases made with that gift card should be directed to the relevant retailer as they'll best equipped to help out.

No stress.

If the issues you are having are with the download of the card then reach out to our customer support team through the app.

If the issues are when you try to use the card to make a purchase or you have a problem with a purchase you have already made, please get in touch with the store the card is from.

Yes, normal transaction limits apply.

From the home page, select the middle icon from the bottom of the page then select the Loyalty tab at the top of the screen.

• Select (+).

• Select the card you wish to use.

• You can either (a) allow Beem access to the camera so you can scan the barcode or (b) Import from     Gallery or (c) Enter the card details manually.

• Once the process is completed the card will be added to your loyalty page.

To use a loyalty card, just select the card from your wallet and use it as normal.

Can't find your local coffee shop in our list? With Beem you can add any loyalty card you want, we'll even let you choose the colour.

Simply select 'add a card', then add your card of choice within the loyalty screen.

Here's a few things you can try:

• Tap on the barcode to open up full screen

• Try the smaller version on the card in the loyalty section of the app

• Turn the brightness up on your phone

• Ask the cashier if there's any tricks to getting it to work

If all else fails, get in contact with our friendly team via the Help>Contact us link.

All your Beem info is stored under your account, which means it'll stay safe with you regardless of any changes to your device.

Currently you can't see points balances in the app but we're working on it! Stay tuned.

The more the merrier, get in touch with our Customer Support team and we’ll be in touch.

QR is a code that can be scanned to prompt a number of uses, such as checking-in to a restaurant, opening a link to a website, or in this case we have built a convenient way for you to pay!

Once you’re ready to checkout, you’ll find a QR button to indicate this option is available.  Scan or tap this and follow the prompts to complete your purchase.

All you need is a Beem account and a linked debit card for payment.

When checking out on desktop, simply scan the QR code with your mobile device and follow the prompts to process the payment.

On mobile, simply tap the QR button instead and you will be directed to the app.

If required to process your order we’ll share your email, phone number, name and shipping address with the merchant.

Your digital receipt will be stored within the Beem app. Navigate to your activity feed to locate this.

Here are a few things you can try:

• Check the strength of your internet network.

• Ensure you have sufficient lighting to scan the code.

• Exit the camera, reopen and try again.

If none of them work, reach out to our customer support team via the app or by emailing support@beem.com.au and we’ll investigate.

You can select your card before you slide to pay, just like regular payments.

To change your Beem overall preference card, simply go to your wallet and select your preferred card.

You can edit your shipping address after scanning the QR code before paying. Just tap edit.

While this is not yet available in the app, you can do so via our Web Portal.  Simply hop onto a laptop and head over to https://wallet.beemit.com.au/.  Here you'll be able to login to your account and view all your transactions.

Note: you won't be able to access the platform via your mobile.

Yes!  From the Web Portal, you can easily export your transactions in CSV or PDF format.  Once logged in, tap on the 'Export' button and follow the prompts.

You certainly can!  Tap on the Filters button and under Friends, select the username you'd like to filter by.

If you notice any suspicious activity in your accounts be sure to report these transactions to your bank ASAP. Your bank has the authority to assist you.

Be mindful not to share login information with anyone. Change your passwords often and keep them off your computer.

Be careful with what you download onto your device as it could be malware. Be aware of accessing sensitive bank information through public wifi.

Be vigilant of any emails or text messages you may receive asking for personal details.

Recently, there have been text messages sent in disguise of ‘overdue toll payments’ or ‘your loan is pre-approved’. Don’t click on these links as they may compromise your personal information.

It is important to be cautious when using the app to make payments to people you don’t know.

If you are uncertain then err on the side of caution and don’t send the payment.

Beem payments are instant so once they are sent they cannot be stopped in flight and the transaction cannot be reversed. 

If you believe that you are a victim of a scam, it is important that you lodge a complaint with the Cyber Issue Reporting System at cyber.gov.au or contact your local police on 131 444 to lodge a report.  We can work with them when they reach out to us as they have the proper authority.

We will also investigate the matter internally but we will not be able to provide you with any details due to privacy.

If there are transactions on your bank account that have a Beem reference and you did not authorise them, it is important that you flag this with your bank in case your details have been compromised.

Beem processes a verification check when a card is added onto a profile to ensure the person adding the card also has access to the bank account.  If the account has joint parties, it is important to speak to those parties as well in case they have authorised the transactions.

If you believe you have been a victim of fraud it is important that you also report this to your local police on 131 444. We can work with them when they reach out to us as they have the proper authority.

We will also investigate the matter internally but we will not be able to provide you with any details due to privacy.

If your phone is lost or stolen, contact Customer Support and we’ll suspend your account from any further activity until you’ve sorted this out.

If you’ve changed your mobile number and can’t log on, please let Customer Support know and we will help update your details.

Log on to your account.  Select Account>Account Details >Mobile> enter new mobile number.

If you’ve changed your email address and can’t log on, please let Customer Support know and we will help update your details.

Log on to your account.

Select Account>Account Details>Email>enter new email address.

Just log on to the app and use the Help>Contact us link to send us your new residential address and we'll update the details on your account.

Log on to your account.

Select Account>Settings & Privacy>Enable Face ID.

Log on to your account.

Select Account>Settings & Privacy>Change passcode>enter current passcode>enter new passcode.

If you don’t remember your passcode, select “Need a hand?” at the Enter passcode screen.  We’ll send you an email and an SMS verification code to confirm it’s you and you can then select a new passcode.

Log on to your account.  Select Account>Account Details>Username>enter new username.

Make sure that the username is:

• 3-15 letters long

• does not contain any special characters or spaces (underscores are okay)

• is not misleading or inappropriate, and

• is not already used on Beem. 

Please note that usernames can only be used once and cannot be recycled.  Additionally you can only change your username 4 times during the lifecycle of an account.

Log on to the app.

Select Account>Contacts>select or search for the user you wish to block>select block user (top right icon)>select block @username.

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.

We check your contacts regularly so as new friends join Beem, your Beem contact list will also be updated, making it faster to pay anyone.

You can do this on IOS by:

• Going to Settings.

• Navigating to Privacy.

• Selecting Contacts.

• And switching the tab next to Beem to green.

You can do this on Android by:

• Going to Settings.

• Selecting Apps or application manager.

• Select Beem.

• Navigating to Permissions.

• Enable Contacts.

A URL can be used to direct people to your account. The URL can be sent outside the app or linked to external pages. This will allow people outside the app to click the link and be directed to the Beem app, ready to pay you.  You can create a link that directs people to pay you by using the following link: https://www.beem.com.au/app/pay?handle=

All you need to do is add your username after the equal sign and remember to exclude the ‘@’e.g.https://www.beemit.com.au/app/pay?handle=username

Please be mindful that people that do not have the app installed will be directed to a page to download the app.

We’ll be sorry to see you go and would appreciate any feedback you have for the Beem team to improve the user experience.

iPhone Users

Just log on to the app select Account > Account Details > Delete account and follow the prompts.  

Android Users

Log on to the app and select Account and scroll to the bottom of the screen and tap Close account and follow the prompts.

Please keep in mind that you will not be able to re-register with the same username in future.

If you just delete the app from your phone then your account will still be active which means your friends can continue to send you money.

Make sure you’re using the latest version of the app and the software on your phone is updated.

Make sure you’re using the same email address and mobile number that you used to create the account.

If you still can’t log in then contact our support team at support@beem.com.au and include the email address and mobile number that you’re using to log in.

If you have more than one account or a friend needs to use your phone to log in to their account then select Account>Account Details>Change Account.

This will allow you to log out of one profile and log on to a different profile - just follow the prompts.

So we can find your account quicker, please log in to your account and use the Help>Contact us link to send us a message.

If you can’t log on, please contact us at support@beem.com.au for assistance.

We’re always interested to hear how we can make your Beem experience better so please send us your feedback using the Help>Contact us link.

Still have questions? Not sure about something? Want to send us feedback? Got ideas about a cool new feature?

You can contact our support team on support@beem.com.au and we'll get back to you as quickly as we can.

All journalist enquiries can be sent to media@beem.com.au. 

We try to get things right the first time but if we do not, we will do what we can to fix it.

You can fix most problems or make a complaint simply by emailing us at support@beem.com.au.

If you are not happy with how we handle your complaint, you can contact the Australian Financial Complaints Authority (AFCA) - a free and independent dispute resolution service.

AFCA’s contact details are:

Australian Financial Complaints Authority

GPO Box 3 Melbourne VIC 3001

Phone: 1800 391 678

Website: www.afca.org.au

Coles Pay (formerly flypay) is Coles' digital wallet that lets you store your bank cards, Flybuys and gift cards# in one place. Using Coles Pay means you can pay, collect points and redeem rewards* seamlessly on qualifying transactions online and instore** at Coles and Liquorland.

*Collect and redeem Flybuys points: Collect 1 point per $1 you spend in store (selected stores only) and online at Coles and Liquorland when paying with Coles Pay. Points are awarded and redeemed after savings, discounts and vouchers (excludes purchases of gift cards, iTunes cards, charitable donations, tobacco and tobacco related products, and purchases made through any external third-party platforms such as Uber Eats, DoorDash, Menulog, and online delivery fees, Coles Plus and Coles Plus Saver subscription fees).

When redeeming Flybuys points on your Coles Pay transaction, you must redeem points within the minimum and maximum range allowed by the eligible Flybuys partner ($1 equals 200 Flybuys points redeemed). For more details on the minimum and maximum number of Flybuys points which can be redeemed in connection with a qualifying transaction using Coles Pay, please refer to the Coles and Liquorland partner pages here. Flybuys standard terms and conditions, privacy policy and rewards terms and conditions apply.

#Gift card redemption and Payment cards: Gift cards cannot be used for online purchases. You can link up to 5 gift cards in your Coles Pay account. You can load up to 5 Australian credit and debit cards issued by Mastercard, Visa and American Express into your Coles Pay wallet.

**In store purchases: In store payments are available in selected Coles and Liquorland stores in VIC and NSW only. See participating stores here.

Coles Pay is powered by the Beem wallet technology, giving you a seamless and secure way to pay at the checkout.

If you are a Beem customer, any cards saved in either your Beem or Coles Pay account will be reflected in both wallets. It also means that any future changes to account details will be updated across both accounts.

By checking out with Coles Pay at Coles and Liquorland you can:

- Split your payment across multiple payment types including bank cards, gift cards# and Flybuys points

- Redeem gift cards in store** (excludes online purchases)

- Collect and redeem Flybuys points*

- Apply your mycoles discount card automatically (Coles Group Team Members Only)

- Access your digital transaction history

- Have all your payment cards, Flybuys, gift cards and mycoles discount card accessible within one central digital wallet

*Collect and redeem Flybuys points: Collect 1 point per $1 you spend in store (selected stores only) and online at Coles and Liquorland when paying with Coles Pay. Points are awarded and redeemed after savings, discounts and vouchers (excludes purchases of gift cards, iTunes cards, charitable donations, tobacco and tobacco related products, and purchases made through any external third-party platforms such as Uber Eats, DoorDash, Menulog, and online delivery fees, Coles Plus and Coles Plus Saver subscription fees).

When redeeming Flybuys points on your Coles Pay transaction, you must redeem points within the minimum and maximum range allowed by the eligible Flybuys partner ($1 equals 200 Flybuys points redeemed). For more details on the minimum and maximum number of Flybuys points which can be redeemed in connection with a qualifying transaction using Coles Pay, please refer to the Coles and Liquorland partner pages here. Flybuys standard terms and conditions, privacy policy and rewards terms and conditions apply.

#Gift card redemption and Payment cards: Gift cards cannot be used for online purchases. You can link up to 5 gift cards in your Coles Pay account. You can load up to 5 Australian credit and debit cards issued by Mastercard, Visa and American Express into your Coles Pay wallet.

**In store purchases: In store payments are available in selected Coles and Liquorland stores in VIC and NSW only. See participating stores here.

Coles Pay is available when shopping online and in store at participating retailers.

Online: Available at coles.com.au and liquorland.com.au with the exclusion of Coles Best Buys Online Exclusives, UberEats, Menulog and DoorDash purchases.

In store: Available in selected Coles and Liquorland stores in VIC and NSW only.
Please note gift card redemption is only available in store.

Online: Select Coles Pay as your payment method at the checkout and then follow the prompts. If you haven't already signed up to Coles Pay, just follow the registration process within the partner retailer's website. Coles Pay can only be used for online purchases at Coles and Liquorland. This excludes Coles Best Buys Online Exclusives, UberEats. Menulog and DoorDash purchases.

In store: Before you shop in store using Coles Pay, you'll need to make sure you've downloaded the Coles app, signed up to Coles Pay and set up your account. When in store, Coles Pay can be used to pay for purchases at both assisted and self-serve checkouts, by scanning the QR code either directly via the Coles app or via your mobile's camera. Follow the prompts within the app to complete your purchase.

You can register for Coles Pay at colespay.com.au.

If you're an existing Beem customer, you can register using your Beem email for quick set up. Your existing profile details, including all your saved cards, will be automatically be reflected in Coles Pay.

If you don't have Beem, registration for a Coles Pay account is complete once your email address and mobile number have been verified. To successfully use Coles Pay for a purchase, you will be required to add at least one Australian issued bank card.

No! The great news it's free to use and takes just minutes to create an account. If you're an existing Beem customer, you can register using your Beem profile for quick set up.

The Coles Pay checkout prioritises security of personal information and other details. By using your linked profile, not only does this save you time manually reentering your details at different stores, it also means your data is stored in one, secure location.

Basically it means less admin. As a user of both Beem and Coles Pay (formerly flypay), anything you update in one wallet will automatically be reflected in the other.

You can view the Privacy Collection notice here, the Coles Privacy Policy here and the Beem Privacy Policy here.

You don't need a Beem account to sign up to Coles Pay but if you're interested in downloading Beem we'd be happy to have you! You can find out more here.

Great! That means you’ll now be able to have one profile across both accounts. If you haven't already, you'll need to accept the new Coles Pay T&Cs to continue using Coles Pay. Your Coles Pay and Beem wallet will share the same profile details, including all your saved cards.

Welcome aboard! To check out with Coles Pay you'll need to register for an account at colespay.com.au. You'll be required to complete a two-step verification process so make sure you have an active email address and an Australian mobile number handy. To successfully use Coles Pay for a purchase, you'll need to add at least one Australian issued bank card. We also recommend you link your Flybuys account to get the most out of Coles Pay!

While you technically don't need to have the Beem app to use Coles Pay online, we'd be happy to have you! You find out more here.

As long as you have signed up to Coles Pay and completed your profile you’ll be able to check out using your wallet. Although Beem is now powering Coles Pay, you don’t need to download the Beem app if you don’t want to. You can simply continue using Coles Pay as you would before.

No, you won't automatically have a Coles Pay account if you're an existing Beem customer. However, as a Beem customer you'll be able to get started with Coles Pay more easily.

You can register for Coles Pay using your Beem email for quick set up here. Your Coles Pay and Beem wallet will share the same profile details, including all your saved cards.

You can load all valid Australian credit, debit and prepaid cards issued by Mastercard, Visa and American Express.

It is likely you saw this as part of the recent movement of the Coles Pay wallet to the Beem platform. Your card details remain secure and the $0.01 transaction is part of the process to check your card is active. The transaction may be in a pending state and then disappear or may be credited back to you right away.

To delete your Coles Pay (formerly flypay) account log into colespay.com.au and select > Account > Delete account and follow the prompts. Deleting your account will delete all of your Coles Pay account data and history. If you need further assistance, please contact the Coles Pay support team.

Please note, deleting your Coles Pay account will not delete your Beem account. If you'd like to delete your Beem account follow the instructions below.

iPhone Users

Open the app and select Account > Account Details > Delete account and follow the prompts. 

Android Users

Open the app and select Account and scroll to the bottom of the screen and tap Close account and follow the prompts.

Please keep in mind that you will not be able to re-register with the same username in future.

If you have experienced an issue using the Coles Pay wallet, please contact the Coles Pay Contact Centre on 1300 359 729 between 9AM - 5PM AEDT Monday – Friday.

If you have experienced an issue using the Beem wallet, please contact the Beem customer support team via the Help section of the app or by emailing support@beem.com.au.

You can check out the FAQs on the Coles Pay site or contact the Coles Pay support team for questions about your account.