Online Banking
Your guide to simple, secure online banking -
personal, business, and community.
Banking online should be easy, safe, and stress-free — whether it’s for managing your personal accounts, running your business, or organising finances for a community group. Coastline Bank’s online services are designed to give you full control over your money, anytime and anywhere.
Here, you’ll find step-by-step guides to help you set up and navigate online banking, watch helpful video tutorials for a hands-on look at features, and explore FAQs that answer all your questions. Learn how to pay bills, transfer funds, manage recurring payments, and even handle multiple transactions at once for your business or organisation.
With clear instructions, practical tips, and secure processes, managing your money online has never been simpler — giving you more time to focus on what matters most.
Personal Banking
Find helpful guides, FAQs, and tips for personal online banking
Business Batch Banking
Guides, FAQs, and tips for business, community, and body corporate banking.
MyCOAST Mobile Banking App
Everything you need to start and manage banking on-the-go.
Online Banking Features
Everything you need to know about COP, NPP and PayTo
Personal Banking Online
Banking online with Coastline is simple, secure, and designed to fit your lifestyle. In this section, you’ll find everything you need to manage your personal accounts confidently — from checking balances and transferring funds to paying bills and managing your cards.
We’ve included step-by-step guides, FAQs, and video tutorials to make it easy for you to:
- Log in and set up your password securely
- Transfer funds, schedule payments, and use BPAY or PayTo
- Activate and manage your cards, including PIN updates
- Access account statements, year-to-date interest summaries, and savings tools
- Set up alerts, manage security settings, and update your personal details
Whether you’re on desktop or mobile, these resources help you bank online with confidence, answer common questions, and show you exactly how to make the most of Coastline Bank’s digital services.
Personal Banking FAQs
You’ll receive an initial password from Coastline Bank. Visit digital.coastline.com.au, enter your customer number and password, then follow the prompts to set a new secure password.
You’ll receive an initial password from Coastline Bank. Visit digital.coastline.com.au, enter your customer number and password, then follow the prompts to set a new secure password.
Click the “Reset here” link on the login page. Answer your security questions or contact Customer Support, then follow the prompts to set a new password with Two-Factor Authentication (2FA).
After logging in, go to ‘Accounts’ > ‘My Accounts’ and select your account to view balances, transactions, and additional functions like statements and savings goals.
Use the ‘Pay’ section to transfer funds internally, to other Coastline accounts, or externally via PayID, BPAY, or international payments. You can also schedule payments in advance.
- Internal transfers: $1,000,000/day
- External transfers: $10,000/day
- BPAY payments: $10,000/day
- International payments: $7,500/day
- Under 18s: $500/day
Limits may change; contact us for higher limits.
Go to the ‘Cards’ section to activate your card, update your PIN, or add it to Apple/Google Wallet. Note it may take up to an hour after activation to appear in wallets.
Coastline Bank uses Two-Factor Authentication (SMS or VIP Token/VIP Access App), secure passwords, and monitored login history to protect your accounts.
In the ‘Alerts/Notifications’ section, you can view, set up, and manage alerts for account activity, payments, and security notifications.
Go to ‘Settings’ > ‘My Details’ to update your personal information, contact details, and linked devices. Keeping details up to date ensures you receive important alerts and updates.
To open a Budget Wise account, you must be a Coastline Bank customer, 18 years or older, and not be declared bankrupt. If you’re not a customer yet, it’s free to join when you open your Budget Wise account.
Step 1: Nominate your bills – Choose the bills you want managed, such as loans, utilities, school fees, or vehicle registrations. You’ll also sign a 12-month deposit agreement so payments are spread evenly throughout the year.
Step 2: Get your regular deposit amount – Coastline Bank calculates your total bills, adds a 10% buffer for variable costs, and divides this by your number of paydays to set your regular deposit.
Step 3: Activate your account – Make an initial deposit to activate, then set up a scheduled transfer to fund your Budget Wise account each payday.
Step 4: Submit your bills – Send your bills via email or to a branch at least 7 days before they’re due. Coastline Bank will pay them directly from your Budget Wise account.
Ready to get started? Apply for your Budget Wise account here and enjoy peace of mind knowing your bills are organised and paid on time.
Business Batch Banking
Coastline Bank’s Business Batch Banking makes managing multiple payments simple, efficient, and secure. Whether you’re paying staff, suppliers, or recurring invoices, Batch Banking allows you to process up to 500 transactions in a single batch — and if you need to make more, you can easily create additional batches.
There are two ways to create batches:
- Manual Batches – Enter transactions by hand, ideal for regular or one-off payments. Using templates, you can pre-fill recurring payments like payroll or supplier invoices, making batch creation faster and easier to reconcile.
- Cemtex (ABA) Upload Batches – Upload a batch file from your accounting software (such as MYOB or Xero) to streamline the payment process. Templates ensure consistent setup and help you track and reconcile payments efficiently.
Both methods offer multi-signatory approvals, transaction history exports, and the ability to review and manage failed payments. Choose the method that suits your business needs and follow the step-by-step guides to get started.
Business Batch Banking FAQs
Log in to Online Banking, then go to the Batch Banking section and expand the menu. If you need help logging in, refer to the Guide to Online Banking or contact Coastline Bank Customer Support on 1300 361 066.
Log in to Online Banking, then go to the Batch Banking section and expand the menu. If you need help logging in, refer to the Guide to Online Banking or contact Coastline Bank Customer Support on 1300 361 066.
Batch Banking allows you to manage multiple payments efficiently. You can process up to 500 transactions in a single batch and easily create additional batches if needed. It is suitable for payroll, supplier payments, recurring bills, and other regular payments.
Batch Banking makes managing your business payments simple and efficient. It’s especially useful for:
- 2 to sign accounts: Required for accounts with multi-signatory approval.
- Multiple payments: Process hundreds of transactions in one batch.
- Recurring payments: Templates streamline regular payments like payroll or supplier invoices.
Manual Batch Banking FAQs
A Manual Batch is a way to enter and process multiple payments directly in Internet Banking without uploading a file. This option is ideal for smaller organisations, clubs, or societies that may not have complex accounting software or large volumes of payments.
With a Manual Batch, you can:
- Create a template for recurring payments, like staff wages or supplier invoices.
- Add transactions one by one using internal transfers, external transfers, or BPAYs.
- Easily review and process the batch in a single step.
It’s a simple, flexible way for smaller groups to manage their payments efficiently while keeping control over each transaction.
A Manual Batch is a way to enter and process multiple payments directly in Internet Banking without uploading a file. This option is ideal for smaller organisations, clubs, or societies that may not have complex accounting software or large volumes of payments.
With a Manual Batch, you can:
- Create a template for recurring payments, like staff wages or supplier invoices.
- Add transactions one by one using internal transfers, external transfers, or BPAYs.
- Easily review and process the batch in a single step.
It’s a simple, flexible way for smaller groups to manage their payments efficiently while keeping control over each transaction.
A template is a pre-set batch setup that includes your regular transactions. It saves time by pre-filling details for recurring payments, making batch creation faster and easier to reconcile.
Templates are automatically saved—there is no separate “Save” button.
Click the edit button or the three dots (ellipsis) next to the template or transaction you want to change.
The description field is free-form and does not retain previous text. Scheduled payments will maintain the description, but manual templates require you to re-enter the description if needed.
Batches can only be created through Online Banking, using a template you have previously created.
You can approve a batch either through Online Banking or via the MyCOAST Mobile Banking App. Multi-signatory batches will notify the other signatories when action is required.
ABA File (Cemtex Upload Batches) FAQs
An ABA file is a standard batch payment file generated by accounting software like MYOB or Xero. It contains multiple payment instructions that can be uploaded directly into Coastline Bank’s Batch Banking. ABA files are ideal for larger businesses or organisations that process many payments regularly, such as payroll or supplier payments, and want to streamline the process by uploading transactions in bulk rather than entering them manually.
An ABA file is a standard batch payment file generated by accounting software like MYOB or Xero. It contains multiple payment instructions that can be uploaded directly into Coastline Bank’s Batch Banking. ABA files are ideal for larger businesses or organisations that process many payments regularly, such as payroll or supplier payments, and want to streamline the process by uploading transactions in bulk rather than entering them manually.
Generate the ABA file from your accounting software (MYOB or Xero). Then upload it into Batch Banking using an Upload File Batch template.
Failures can occur for several reasons:
- Incorrect file format
- Incorrect BSB or account details
- Incorrect account length or characters
- Incorrect name formatting
Refer to section 10 of the ABA batch guide for troubleshooting.For ABA files, transactions are not visible until after the batch is created. Templates only set up the structure; the transactions are imported once the batch is uploaded.
No, a batch cannot be rerun. If a batch fails or needs changes, you must create a new batch.
Approval is the same as for Manual Batches: through Online Banking or the MyCOAST Mobile Banking App. For multi-signatory accounts, other signatories will be notified and must approve as required.
MyCOAST App
Experience the freedom and convenience of managing your money anywhere, anytime with the MyCOAST Mobile Banking App. Whether you’re on a coffee break, at home, or travelling our app is designed to keep you connected to your finances.
Download the app.
How to get started
If you need your login details, please get in touch with our friendly team on 1300 361 066 or visit your local Coastline Bank branch.
Download the MyCOAST app from the Apple Store or Google Play.
Enter your customer number and password.
Start banking on your phone and access your accounts at any time.
How to transfer money with MyCOAST
- Log in to the MyCOAST app and select the ‘Transfer’ menu.
- Select ‘Between Accounts’ from the menu.
- Use the pencil icon to select from account and to account.
- Select the account you would like the funds to be deducted from.
- Enter the amount you want to transfer and, if needed, a reference and/or description.
- Select ‘Now’ to make the payment immediately, ‘Later’ to schedule it for a later date, or ‘Recurring’ if you would like this payment to be ongoing regularly.
- Select ‘Continue’ to review the details. You can go back and edit if you need to.
- Select ‘Complete transfer’ to finalise the transfer.
How to transfer money to another person
- Log in to the MyCOAST app and select the ‘Transfer’ menu.
- Select ‘To someone else’ from the menu.
- Select payee, choose from your ‘Recents’ or ‘Favourites’ lists, or select ‘Create’ to set up a new payee.
- If creating a new payee, select the payment type
- If the payee uses Osko®, you can transfer funds using their PayID, such as a phone number, email, ABN, or organisation ID.
- If the payee doesn’t have Osko®, choose ‘BSB / account number’ to input the BSB, Account Number, and Name.
Note: When transferring funds to another Coastline Bank customer, use the BSB 704-189.
- Select the account you would like the funds to be deducted from.
- Enter the amount you want to transfer and, if needed, a reference and/or description.
- Select ‘Now’ to make the payment immediately, ‘Later’ to schedule it for a later date, or ‘Recurring’ if you would like this payment to be ongoing regularly.
- Select ‘Continue’ to review the details. You can go back and edit if you need to.
- Select ‘Complete transfer’ to finalise the transfer.
Make an international transfer with MyCOAST
To make an international transfer:
- Log into the MyCOAST Mobile Banking app.
- Tap the menu (the 3-line icon) in the top right corner of your screen.
- Select ‘Pay’ and then ‘International Transfers’.
- Select ‘OK, let’s go’ and then ‘Create’.
Select payee, choose from your ‘Recents’ or ‘Favourites’ lists, or select ‘Create’ to set up a new payee.
- Select the country you want to transfer to.
- Fill out payee details and then ‘Continue’.
- Use the search feature to fill out the receiving bank’s details or input manually, then ‘Continue’.
- Choose the receiver’s preferred currency.
- Enter the amount you wish to transfer, either in AUD or the foreign currency.
- Click ‘Request Quote’ to see the exchange rate.
- If you are happy with the exchange rate, review the details and proceed with the transfer.
Reset your MyCOAST password
How to change your PIN using the MyCOAST App
- Log in to the app
- Select the ‘Cards’ menu at the bottom of the screen
- Select ‘Change card PIN’
- Enter your new PIN and confirm it by entering the new PIN again
How to report a lost or stolen card using the MYCOAST App
- Log in to the app
- Select the ‘Cards’ menu at the bottom of the screen
- Choose the card you wish to report
- Select ‘Report lost or stolen card’
- Select ‘Lost’ or ‘Stolen’ by clicking on the relevant button, then click proceed
Payment Features
Managing your money is easier than ever with Coastline Bank’s modern payment options. Whether it’s sending funds instantly, paying regularly, or setting up secure automated payments, our PayTo, COP and NPP features give you the flexibility, speed, and control to handle your transactions your way.
Confirmation of Payee (COP)
At Coastline Bank, your security is our priority. That’s why we’ve introduced Confirmation of Payee – a new feature designed to help protect you from scams, fraud, and simple mistakes when transferring money.
Confirmation of Payee can help protect you from scams and mistaken payments by matching the account details you’ve entered with the account details held by the recipient’s bank.
You’ll then be shown a match result, giving you the chance to double-check everything before you hit send.
Why it matters
Scammers can trick people into paying the wrong account, and even a small typo can send your money to the wrong place. CoP helps prevent this by alerting you if the details don’t line up, so you can stop, check, or proceed with confidence.
It helps you:
- Avoid scams
- Prevent mistaken payments
- Feel more confident about where your money is going
How it works
When you add or change a payee’s BSB and account number, CoP checks the details you’ve entered and returns one of four results:
- Match – the details match the recipient’s bank records
- Close match – they’re very similar, but not identical
- No match – the details don’t match at all
- Error – something went wrong with the check
You’ll see the result before the payment goes through, so you can decide whether to proceed, double-check, or cancel.
Will I see the account name?
If it’s a business or government account, the name will be shown, even if it doesn’t match.
For personal accounts, the name is only shown if it’s a match or close match – to protect the privacy of the account holder.
Do I need to set it up?
No setup needed – Confirmation of Payee is automatically available in our online and mobile banking whenever you make a first-time payment or update a payee’s details.
You’re always in control
Confirmation of Payee won’t stop you from making a payment – the final decision is yours. But if something doesn’t look right, it’s worth pausing to check with the person or business before going ahead.
We’re here to help
Have questions or need a hand? Reach out online, call us, or drop into your local Coastline Bank branch. We’re always here to help you bank with confidence.