Online Banking

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.

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.

A Manual Batch is a way to enter and process multiple payments directly in Online 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.

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.

Confirmation of Payee is an industry-wide service that adds a layer of protection for payments to a BSB and account number. It checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank and lets you know whether it’s a match. This can help you make informed decisions before you make a payment, reducing the risk of scams and mistaken payments. Confirmation of Payee is an initiative of Australian Payments Plus, the same organisation that also provides trusted payment services like BPAY®, Osko®, eftpos®, PayID® and PayTo®.

When you make a payment to a BSB and account number, Confirmation of Payee checks the details you enter against the name, BSB and account number held by the recipient’s bank and gives you a match outcome. That helps you decide what you want to do next – and gives you more confidence that the money you’re paying is going to the right account.

Confirmation of Payee will check account details for all first-time or future-dated payments set up to a BSB and account number and when you make amendments to your online banking address book. Additional checks may be made depending on the financial institution.

'Account match' means the details you’ve entered match the bank records of the intended recipient. ‘Close match’ means the details you’ve entered closely match the bank records of the intended recipient. ‘No match’ means that the details you entered do not match the bank records of the intended recipient.

Yes. Confirmation of Payee will never stop you from completing a payment. We encourage you to be scam aware and always take steps to make sure you know who you are paying, as scams or mistaken payments may be difficult to retrieve.

If you enter the wrong account details, you can end up sending your money to the wrong recipient. This can be difficult and time-consuming to resolve, which is why it’s important to check the accuracy of the details you enter before you send your money.

You don’t need to do anything. Confirmation of Payee is already available in Online Banking and the MyCOAST Mobile Banking App. When you make a payment to a BSB and account number, or edit a payee’s BSB and account number, you’ll be shown a match result before the payment is processed. This check applies to new payees, as well as existing payees you haven’t paid in a while or whose account details have changed.

No setup is required, it’s built in. Each time you add or update a payee’s BSB and account number, CoP will automatically run a check and return a result.

Yes. Confirmation of Payee won’t block your payments - the final decision is always yours. If something doesn’t look right, it’s a chance to pause and double-check with the person or business before you send money.

As part of the Confirmation of Payee service, Coastline Bank receives an electronic request from the financial institution of the person trying to pay you. We check that the BSB, account number, and account name entered by the payer match the details we have on record. Based on this, an electronic response of Match, Close Match, No Match, or Error is sent back to the payer. All Confirmation of Payee information is shared securely between financial institutions to keep your personal data safe.

If you are receiving money into a personal account, the person who’s paying you will be shown the account name only if the name they have entered is a match or a close match. If any of these details are incorrect, the name will not be shown to protect your privacy. If you’re a business or government organisation account that’s receiving a payment, the name of your account will be shown to the payer, regardless of whether it’s a match or not.

Eligible customers may request to be opted-out of the Confirmation of Payee service. This means your account name and match outcome will not be displayed to payers and could impact the likelihood of the payer proceeding with the payment. To understand the opt out process and the implications, please contact each of your financial institutions including us on 1300 361 066.

If you want to get paid without any confusion or potential delays, you should share the name, BSB and account number for your bank account. This is especially important if you’re a business with an account name that differs from the name you’re using to take a payment; for instance, if you have a different trading name for a particular part of your business.

To ensure your name is accurate in the Confirmation of Payee service, please contact each of your financial institutions including Coastline Bank on 1300 361 066.

Names with special characters, like apostrophes (‘), will still match without being entered. For example, enter “O’Brien” as “O Brien” or “Obrien”. Or an account name with an ampersand (&) such as Paper & Pen can be entered as Paper Pen.

If the name you're trying to enter exceeds a character limit in your online banking, let the recipient know and consider how best to proceed by contacting Coastline Bank on 1300 361 066.

PayTo is a secure way to make payments directly from your bank account. It gives you more visibility and control because agreements are authorised and managed within your banking.

Yes. PayTo agreements are protected by the same bank-grade security that already protects your accounts. You review and authorise each agreement before any money leaves your account.

PayTo is rolling out across many businesses and organisations. Look for the PayTo logo when paying bills, shopping online, or signing up for subscriptions.

An agreement between you and a business or service provider that sets out the payment terms (amount, frequency, purpose). You approve the agreement in your banking before payments begin.

Yes. You can pause, resume, or cancel agreements in your Online Banking or MyCOAST app. Cancelling doesn’t change your contract with the business – it just stops payments from your account.

If the agreement details don’t match what you expect, you can decline it and contact the business.

PayTo isn’t available for loans, term deposits, Budget Wise, Christmas Saver accounts, or any account requiring two or more signatures.

No. You can use either your PayID or your BSB/account number.

Coastline doesn’t charge to use PayTo. Businesses may apply their own service fees.

Osko is a fast payment service built on the New Payments Platform (NPP) that allows you to send and receive money quickly using your PayID or BSB/account number.

Yes. Osko payments are protected by the same security systems that safeguard your bank account. Every transaction is verified and authorised by you.

Osko is available via participating financial institutions, including Coastline Bank.

Most payments arrive within seconds, even on weekends and public holidays.

No. You can use either a PayID or BSB/account number to send and receive payments.

Coastline Bank does not charge fees for Osko payments, though individual merchants or businesses may have their own charges.

Always double-check the PayID or BSB/account number before confirming. Incorrect details may delay or misdirect the payment.

No. Once an Osko payment is authorised and sent, it cannot be reversed. Contact the recipient directly if there’s an issue.