Manage your account on any device
The LCU Mobile Banking App makes it easy to manage your everyday banking, with access to many of the features available in Internet Banking.
This guide outlines how to use key features within the app.
Always verify payment details before proceeding. LCU will never contact you asking for passwords, PINs, or authentication codes.
If you feel pressured to act urgently, stop and contact us directly.
You can download the LCU Mobile Banking App from the Apple App Store or Google Play Store by searching for “LCU Mobile Banking” or via the relevant link for your device below.
Once downloaded, enter your member number and Internet Banking password to authenticate your access.
You will then be prompted to set up a 6-digit PIN, pattern, Face ID or Fingerprint (availability varies by device).
Do not share your login details or authentication method with anyone.
Yes. You must be registered for Internet Banking to use the mobile app.
If you are not registered, please contact us for assistance.
The app is supported on Android (version 14 or above) and Apple (iOS 18 or above).
All device ‘end of life’ information can be viewed at https://endoflife.date/
To maintain security and access the latest features, ensure your app is kept up to date.
You can register the banking app on up to five devices.
The app is free to download and use. Standard mobile data charges may apply.
You can send and receive secure messages with LCU staff in the app.
Select the Envelope Icon at the top of your home screen and select ‘New +’ to send a message.
You can also view all your account alerts, including password reset notifications and unsuccessful payment alerts. Alerts are designed to help you identify unusual or unexpected activity on your account.
To view the Interest earned:
1. Select ‘Profile’
2. Scroll down to ‘Your Account Information’
3. Select the relevant financial year
Your BSB and account number can be viewed within the app.
1. Select the account from the home screen
2. Select the Settings Icon
3. Your BSB and account number will be displayed
Additional features are available within this screen.
Always ensure you provide correct details when sharing account information.
You can personalise how your accounts appear in the app, including:
Quick Balance allows you to check an account balance without logging in. Quick Balance can be accessed without logging in and should be used with care on shared devices.
1. Go to ‘Profile’
2. Under Your Finances, select ‘Quick Balance’
3. Choose the account and balance type you want to display
Please note:
Pending transactions are not included in ‘Current Balance’. ‘Available Balance’ provides a more accurate view as it includes pending transactions, which may affect your available funds.
No – statements are available through Internet Banking only.
You can still view recent transactions for your accounts within the app.
Transaction history in the app does not replace official statements.
To view or remove devices:
1. Go to ‘Profile’
2. Select ‘App security & Banking Limits’
3. Choose ‘Manage registered devices’
4. Select the bin icon to remove devices you do not recognise or no longer use
Regularly review your registered devices to ensure they remain current.
You can manage your daily transaction limits within the app.
1. Select ‘Profile’
2. Scroll down to ‘App security & Banking Limits’
3. Select your preferred daily limit
You can also contact LCU to request changes to your limits.
Important:
Changes to your transaction limits remain in place until updated again. Before increasing your limit, consider whether it is appropriate for your circumstances and personal risk profile.
Higher limits may increase your exposure to scams, fraud, or unauthorised transactions. Only increase your limit where necessary and reduce it again once the transaction is complete.
If you are unsure about a payment or feel pressured to act quickly, stop and do not proceed with the transaction. LCU will never pressure you to act urgently or disclose sensitive information.
To activate your new card within the app:
1. Select ‘Cards’
2. Select the card (if you have multiple cards, swipe to select the card you wish to activate)
3. Select ‘Activate’
Please allow up to 30 minutes for the activation to be processed and confirmed in the app. If this option is not available, it means the card is active and ready to use.
1. Select ‘Cards’
2. Select ‘Change PIN’
3. Enter your new PIN
4. Confirm using ‘GET SMS’ and enter the code sent to your registered mobile number.
Please note:
You may have to wait up to 30 minutes after activating a new card for the ‘Change PIN’ option to appear
You can temporarily lock your card if misplaced:
1. Select ‘Cards’ (If you have multiple cards, swipe left or right to the card you want to lock)
2. Use the slider next to the words ‘Lock card’
3. Select ‘Confirm’
If you locate your misplaced card, you can unlock it using the same steps once you have confirmed it is secure to do so.
Yes.
1. Select ‘Cards’
2. Select ‘Need help with your card?’
3. Choose the relevant option (damage, lost, or stolen)
4. Confirm your mailing address
Your replacement card will be posted to your registered mailing address, once received, follow the instructions in “How do I activate my card?”.
Ensure your contact details are up to date to avoid delays.
Please note:
Follow the same steps in “Can I order a replacement card?”.
Important:
Once confirmed, your card will be permanently cancelled and cannot be reversed.
Yes. Select “Pay” from the home screen to access payment options.
Select “BPAY” from the payment options and enter your biller details or choose an existing payee. Ensure you have your Biller Code and Customer Reference Number.
1. Enter the payment amount
2. Choose when the payment will occur (Pay now, Pay later, or Recurring)
3. Select “OK”
Review all payment details carefully before confirming to proceed. Payments may be processed immediately and may not be able to be reversed once submitted.
Use this option to pay another account using a BSB and account number or PayID.
Select ‘Pay anyone’ from the payments options and enter the required details for a new payee or select an existing payee from your address book. Ensure you have the BSB, account number, and account name or PayID (email, phone number, ABN or organisation ID).
You may choose between standard payments (funds credit payee within 3 working days) or Osko (instant) payments, where available. Availability varies by financial institution and payment type.
Always confirm the recipient details and PayID name displayed before proceeding with a payment.
1. Select ‘Pay’ from the home menu
2. Choose ‘Transfer’ ‘Pay anyone’ or ‘BPAY’
3. Select an existing payee or create a new payee
4. Enter the payment amount and reference if required
5. Select ‘Pay later’
6. Choose a payment date
7. Select ‘Pay’ to review the payment details
8. Review the payment details and confirm to proceed
1. Select ‘Pay’ from the home menu
2. Choose ‘Transfer’ ‘Pay anyone’ or ‘BPAY’
3. Select an existing payee or create a new payee
4. Enter the payment amount and reference if required
5. Select ‘Recurring’
6. Choose a payment start date
7. Choose the payment frequency
8.Choose the payment schedule
9. Select ‘Pay’ to review the payment details
10. Review the payment details and confirm to proceed
You can change your scheduled or recurring payments at any time.
1. Select ‘Pay’ from the home menu
2. Choose ‘Future Payments’
3. Select the payment you want to change
4. Choose ‘Edit’ or ‘Delete’
5. Confirm the changes or deletion
Always ensure sufficient funds are available on the scheduled payment date.
If you have a two-to-sign (or more) account, you can initiate a payment that another signatory must approve.
Authorisation requests can be found in the ‘Payments’ menu.
To initiate a payment:
1. Select ‘Pay’ from the home menu
2. Choose ‘Transfer’ ‘Pay anyone’ or ‘BPAY’
3. Enter the payment details
4. The request will appear under ‘By Me’ in ‘Authorisation Requests’
5. Review and accept, edit or delete the payment
Authorise a payment:
1. Log in to the mobile banking app
2. Go to the ‘Payments’ menu
3. Select ‘Authorisation requests’
4. The payment will appear under menu under ‘For Me’
Yes. If a redraw facility is available, you can complete a redraw request by making an internal transfer to your LCU savings or transaction account.
Redraws are only available on eligible home, personal and car loans. Redraws using the mobile banking app and Internet Banking are fee free.
Limits:
Completing a redraw request will increase your loan balance and may affect repayments and interest charges. You should consider the impact on your loan before proceeding.
You should consider the impact on your loan before proceeding with a redraw.
A PayID is an easy-to-remember identifier (such as a phone number, email address or an ABN) that can be linked to your bank account, allowing payments to be made without using your BSB and account number.
You can set up your PayID in the mobile banking app in the Pay menu item Manage PayID.
Simply select ‘setup’ and choose the method (phone or email)
To cancel your LCU PayID, you can do this in the app or by contacting us for assistance.
Important:
Always confirm the PayID name displayed matches the intended recipient before proceeding with a payment.
This information is general in nature and is intended to assist with the use of LCU Mobile Banking App. It does not take into account your individual circumstances or financial needs. You should consider whether the information is appropriate for your circumstances before acting.
If you notice suspicious or unauthorised activity on your account, contact us immediately.
Confirmation of Payee is an industry-wide service that matches the bank account details you enter with the account details held by the recipient’s bank and displays a match outcome. It’s a new layer of protection for Australian consumers and businesses when they’re making a payment to a BSB and account number.
A straightforward interface makes it easy to find the things you use every day. Using internet banking to make payments has never been easier, faster or more secure.
BPAY
External Transfer
International Payments
OSKO
PayID® makes sending and receiving money fast and easy. You can use your mobile number, email address, ABN, or Organisation Identifier as your PayID to receive fast, secure payments in your online banking.