Transaction/Deposit accounts

• 1) Log in to your in1bank account and check your alternate bank details are correct and up to date;
• 2) Update your alternate bank details if required;
• 3) You need to confirm to us that your alternative bank account details are accurate – please respond to an email we have sent you with your alternate bank account details, and confirm that these details are accurate;
• 4) From 24 hours after the announcement, once you have confirmed your alternate bank account details, we will transfer your in1bank account balance to your alternate bank account. Alternatively, you can transfer your remaining balance directly to your chosen account using the app;
  (If you encounter any difficulties, please send written instructions to in1bank to transfer funds or contact call centre to transfer funds)
• 5) Cancel all direct debit account instructions.
• 6) Please cancel any direct debit instructions as soon as possible to avoid risk of rejections and provide alternate banking details to your employer or anyone currently sending regular payments to your in1bank account.

Loan accounts including offset accounts

• 1) Accounts with offset account:
  • a) Form for customer to provide instructions to transfer balance from offset account to loan account; and
  • b) We’ll be in touch regarding new arrangements for your repayments.
• 2) Accounts with no offset account: We’ll be in touch regarding new arrangements for your repayments.

交易/定期存款账户持有人

• 1) 登录您的合壹银行账户，核实确认备用银行账户信息是否准确并为最新；
• 2) 如有必要，请更新您的备用银行账户信息；
• 3) 请回复我们发送的备用银行账户确认邮件，确认您的备用银行账户详细信息准确无误；
• 4) 自公告发布24小时后，若您已确认备用银行账户信息，我们将您的合壹银行账户余额转移至您的备用银行账户。您也可以通过应用程序直接将剩余金额转入您选择的账户；
• 5) 如遇操作困难，请发送邮件至合壹银行办理转账，或联系客服热线协助转账；
• 6) 取消所有直接扣款操作，请尽快取消所有直接扣款设置，以免造成交易被拒，并向您的雇主或其他向您在合壹银行账户发放定期款项的机构提供备用银行账户信息。

贷款账户（含对冲账户）

• 1) 持有对冲账户的客户：
  • a) 填写表格， 授权我们将对冲账户的余额结转至您的贷款账户
  • b) 我们将随后与您联系，就您的新还款安排进行沟通。
• 2) 未持有对冲账户的客户：
  • a) 我们将就您的还款新安排与您联系。

1) Are all my deposit accounts safe and accessible regardless of the amount and type of account (TA, TD and offset) and account-holder (individual, sole trader, business, partnerships and joint accounts)?

Yes, all deposit accounts are safe and accessible regardless of the amount and type of account (TA, TD and offset) and account holder (individual, sole trader, business, partnerships and joint accounts). in1bank is committed to providing its customers with all the support and co-operation necessary to ensure a smooth transition. As Australia’s prudential regulator, APRA will closely monitor the return of deposits to ensure all funds are returned to in1bank’s depositors in an orderly and timely manner.

Please also note, as an Australian incorporated Authorised Deposit-taking Institution (ADI), certain deposits placed with in1bank are covered up to a maximum of $250,000 in aggregate, for each account-holder under the government backed Financial Claim scheme (FCS). This scheme provides protection and prompt access to funds to depositors with ADIs in the unlikely event that the ADI cannot meet its financial obligations.

2) How long do I have to transfer my funds out from in1bank?

Please confirm to us that your alternative bank account details are accurate within the next 24 hours so that your account can be closed and any residual balance outstanding transferred as soon as possible. Once you have provided and confirmed your alternate bank account, we will transfer your in1bank account balance to your specified alternate bank account. You have until 4th February 5pm AEDT to provide / confirm your alternate bank account or to transfer your funds yourself by using the in1bank app.

3) How long does it take to transfer my funds out from in1bank?

The funds are immediately available from your in1bank account for payments. For TDs, we’ll pay out the full term on TDs and will credit this to your transaction account. If you have provided and confirmed your alternate bank account, we will transfer your balance to your specified alternate bank account. If not, you have until 4th February 5pm AEDT to provide an alternate bank account or to transfer your funds yourself by using the in1bank app. Please note that it may take up to 2 business days for your funds to be credited in the nominated bank account through the payment system.

4) What do I need to do to transfer the funds from my account?

• a) Update alternate bank accounts in the app settings for automatic transfer;
• b) Directly transfer outstanding balances to your nominated bank account as a normal transfer using the app;

If you encounter any difficulties, please provide written instructions to in1bank to transfer funds or contact in1bank call centre to transfer funds and close account.

For step-by-step instruction to transfer funds please refer to the in1bank app.

5) What support do I have in case of any questions or issues with the transfer?

Our Customer Service team will be available during working hours (8am – 8pm AEDT) 5 days a week until implementation.

6) What happens to my loan account with in1bank?

Customers who have offset accounts linked to their loan accounts, will have the option to transfer the offset balances to their loan accounts to reduce their loan balance. Alternatively, you can transfer the balances in the offset accounts to your accounts with other ADIs. Any loan accounts will continue to be served by in1bank Ltd. Borrowers remaining with in1bank Ltd will be contacted in this regard.

7) How do I lodge any complaints to in1bank?

All complaints can be lodged via email complaints@in1bank.com.au or by phone on 1300 461 226.

8) What happens to my existing TD account with in1bank?

All TD accounts will be terminated and transferred to the respective transaction accounts without penalty and fees at the end of the announcement day. We’ll pay out the full term and the full amount will be credited to the transaction account on the next business day after the ROD announcement. Funds with interest settlement will be available in your transaction account for transfer the next business day after the announcement date.

9) When does the interest on my accounts stop accruing?

We’ll pay out the full term on TDs and will credit this to your transaction account.

10) Will I still be able to obtain Bank Statements from in1bank?

No. After 5th February 2026 the in1bank app will be switched off. Final statements will be emailed out on 5th February 2026. You can also login to the app and download your statements prior to 5th February 2026.

11) What happens if I don’t transfer my existing deposits by the deadline?

From as early as 24 hours after the announcement your nominated transfer destination will be credited with the remaining balance of your in1bank account. It is of the utmost importance that you ensure that you have given us accurate banking details for your nominated transfer destination. Without this, we will not be able to return your deposits. You need to confirm to us that your existing alternative bank account details are accurate. The easiest way is to respond to an email we have sent you with your alternate bank account details, and confirm that these details are accurate. We also need accurate contact details for you (phone number and residential address). You can update this via the app.

12) What if my transfer limit prevents me from moving my deposit?

Your transfer limit can be updated conveniently in the in1bank app. You can also do transfers over multiple days until 4th February 2026 5pm AEDT. If you encounter difficulties with this process or have concerns about your ability to transfer all of your funds please contact support@in1bank.com.au. If you do not transfer your funds yourself, through our return of deposits process, your nominated transfer destination will be credited with whatever balance remains in your account, even if this exceeds your daily transfer limit; you may contact us on 1300 461 226 to confirm your specific instructions.

1) 所有存款账户是否安全且可继续查看？无论金额和账户类型（TA、TD和对冲账户）以及账户持有人（个人、独资者、企业、合伙企业和联名账户）？

是的，所有存款账户都是安全且可继续查看的，无论金额和账户类型（TA、TD和对冲账户）以及账户持有人（个人、独资者、企业、合伙企业和联名账户）。 合壹银行致力于为客户提供必要的支持和配合，以确保平稳过渡。 作为澳大利亚的金融监管机构，APRA将密切监控存款退还，以确保所有资金有序地及时退还给合壹银行的存款人。

作为澳大利亚注册的授权存款机构（ADI），根据政府支持的金融索赔保障计划（FCS），若政府宣布该计划适用于特定的 ADI，则客户在合壹银行的特定存款可获得保障，每位账户持有人在同一机构下的保障总额最高可达 250,000 澳元。 该计划一旦启动，即可在授权存款取款机构（ADI）无法履行其财务义务的极低概率情况下，为存款人提供保障并确保其能够迅速提取资金。

2) 我需要在多长时间内将资金转出合壹银行？

请在接下来的 24 小时内向我们确认您的备用银行账户信息准确无误，以便我们尽快为您办理销户手续，并将账户内的剩余资金转出。如果您已提供并确认了备用银行账户信息，我们将向指定的备用银行账户中转入您的合壹银行账户余额。您可以在2月4日下午5点（澳大利亚东部夏令时间，AEDT）前提供/确认备用银行账户信息，或通过合壹银行应用程序自行转账。

3) 我的资金转出合壹银行需要多长时间？

您合壹银行账户中的资金可随时转出。对于定期存款账户，即使定期存款尚未到期，我们亦将按其原定存期一次性支付全部应计利息，并提前终止该定期存款，随后将本金及利息一并转入您的交易账户。如果您已提供并确认了备用银行账户信息，我们将向指定的备用银行账户中转入您的账户余额。如果尚未提供，您可以在2月4日17:00前提供备用银行账户或通过合壹银行应用程序自行转账。请注意，您的资金通过支付系统转入指定银行账户可能需要最多2个工作日。

4) 如何将资金从我的账户中转出？

• a) 在应用程序设置中更新备用银行账户，以便自动转出；
• b) 使用应用程序将余额直接转入您指定的银行账户；

如果遇到任何困难，请发送邮件至合壹银行进行转账，或联系合壹银行客服热线协助转账；

转账步骤的详细说明请参考合壹银行应用程序。

5) 如果我对转账有任何疑问或问题，怎么办？

我们的客户服务团队将在工作时间（上午8点至晚上8点，每周5天）内提供支持，直到存款退还完成。

6) 我的合壹银行贷款账户会怎么样？

持有对冲账户贷款客户，可以选择将对冲账户的余额转入贷款账户以减少贷款余额。或者，您可以将对冲账户的余额转入其他ADI机构的账户。所有贷款账户将继续由合壹银行提供服务。合壹银行会就新还款安排联系贷款客户。

7) 不满意，需要投诉的话怎么做？

所有投诉可以通过电子邮件complaints@in1bank.com.au或致电1300 461 226进行提交。

8) 我的现有定期存款账户会怎么样？

所有定期存款账户将在公告日结束时终止并转入相应的交易账户，且不会产生任何费用或罚金。在存款退还（ROD）公告后的下一个工作日，即使定期存款尚未到期，我们亦将按其原定存期一次性支付全部应计利息，并提前终止该定期存款，随后将本金及利息一并转入您的交易账户。

9) 我的账户利息何时停止计息？

我们将按其原定存期一次性支付全部应计利息，并提前终止该定期存款，随后将本金及利息一并转入您的交易账户。

10) 我是否还能继续从合壹银行查看下载银行对账单？

不可以。在2026年2月5日下午5点（澳大利亚东部夏令时间，AEDT）之后，合壹银行应用程序将关闭。最终对账单将在2026年2月5日通过电子邮件发送给您。您也可以在2026年2月5日之前登录应用程序下载对账单。

11) 如果我在截止日期前未将存款转出，会发生什么？

从公告发布后的最早24小时开始，您的指定收款银行将收到您合壹银行账户的剩余金额。请确保您已向我们提供准确的银行账户信息作为指定收款银行，否则我们将无法退还您的存款。您需要确认您现有的备用银行账户信息是准确的。最简单的方法是回复我们发送的邮件，提供您的备用银行账户信息并确认其准确性。我们还需要您的最新联系方式（电话号码和家庭住址）。您可以通过应用程序更新这些信息。

12) 如果我的转账限额阻止我转移存款，该怎么办？

您可以轻松在合壹银行应用程序中更新转账限额。您也可以在2026年2月4日17:00之前分多天进行转账。如果您在此过程中遇到困难或对您的转账限额有担忧，请联系support@in1bank.com.au。如果您不是自行转账，而是通过我们设定的存款退还流程进行转账，您的指定收款账户将一次性收到剩余的全部金额，即使该余额超过了您的每日转账限额；您可以致电1300 461 226确认您的具体操作。