Unity Financing Corporation is currently reviewing its position in relation to the RBA’s decision on 6 September to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
Most popular FAQs
How long will my bank to bank transfer take?
Bank to bank transfer times can vary across financial institutions depending on the type of transfer you make.
If you’re making a traditional inter-bank transfer it will take 1-3 business days. If you use NPP Faster Payments or a PayID it can be near real-time.
Transfer time into a Unity Financing Corporation account
The fastest way to receive money into a Unity Financing Corporation account from another financial institution is via NPP Faster Payments to a PayID or BSB and Account Number.
The New Payments Platform allows you to receive a faster payment from anyone whose financial institution is a participant and who has an eligible account. If you’re unsure if your sender can use this service, check for participating financial institutions on the NPP Website.
Alternatively, your sender could use a traditional inter-bank transfer which will take 1-3 business days from any financial institution.
Transfer time from Unity Financing to another bank
From the Mobile Banking App
The fastest way to transfer money from Unity Financing Corporation to another financial institution is using NPP Faster Payments on our Mobile Banking App.
If the account you’re sending money to is eligible to receive NPP Faster payments, then you will receive an option to make the payment ‘Within 2 hours’. If you can't see this option, then the account you are sending to is not eligible to receive an NPP transfer. The transfer must go as a traditional inter-bank transfer and it could take 1-3 business days.
From Unity Financing Online
If you transfer money from Unity Financing Online on a desktop or mobile browser to another financial institution, it will take 1-3 business days to arrive.
Can a Unity Financing loans officer come to my home?
Can I request a rate lock when I apply for a Unity Financing Home loan?
When you submit your application for a new fixed rate home loan with Unity Financing, you can request to lock in a fixed interest rate and term. This is called a rate lock, or a Rate Guarantee.
You can request a Rate Guarantee up until you receive unconditional approval for your fixed rate home loan.
A Rate Guarantee can help reduce repayment uncertainty when you're applying for a fixed rate home loan. It allows you to 'lock in' a fixed interest rate and term until your home loan settles (for a maximum period of 90 days). When your fixed rate home loan with a Rate Guarantee settles, you will receive the lower of two interest rates: either the fixed rate on the day you submitted the Rate Guarantee OR the fixed rate on the day your loan settles.
A Rate Guarantee at Unity Financing attracts a fee of 0.15% of your approved basic loan amount. During your fixed rate home loan application, you will be given a Rate Guarantee Application and Acknowledgement form to complete to request the Rate Guarantee or not. The form includes the terms and conditions that apply to a Rate Guarantee.
If you choose not to request a Rate Guarantee, you will receive the fixed rate on the day your loan settles. This rate may be higher or lower than the fixed rate at application.
Ask your Lending Specialist about our Rate Guarantee option when you apply.
Does Unity Financing offer insurance?
Yes. Information about the insurance products available can be found in the Insurance section.
If you'd like a quote you can get a quick quote online, call 13 14 22 or visit your local branch.
Does Unity Financing offer special clearance for cheques?
Special cheque clearance service is no longer available.
Standard cheque clearance is 3 days (AUD Cheque) as noted in the Guide to Unity Financing Deposit Products. If you'd like to check the estimated clearance time for your cheque deposit, you can call us 24/7 on 13 14 22.
Does Unity Financing have direct bank feeds with QuickBooks?
We do not currently have the ability to provide direct bank feeds with QuickBooks.
We've reached out to QuickBooks and they've advised they are not currently working on, or building, any new direct bank feeds with any financial institutions as they are focusing on Open Banking.
QuickBooks may consider Unity Financing for direct bank feeds in the future.
How can I check my account balance?
To check your account balance with Unity Financing Corporation you can:
- Check your balance anytime day or night in Unity Financing Online, our Mobile Banking App or Phone Banking;
- Call us and request an account balance. If you can, have your member number (account number) at the ready; or
- Visit your local branch.
If you'd like to register for internet or phone banking, contact us on 13 14 22 or visit your local branch.
How do I add a new payee (a new transfer destination)?
To perform a transfer to a new destination, simply enter the details of the new destination into the fields provided.
The system will automatically detect that it's a new payee and ask for the appropriate authentication. This will be either a Pay Anyone Password or a One Time Password depending on your settings.
Once the payee is added you can complete the transfer as normal. To learn more about transferring money in Unity Financing Online you can also watch this helpful how-to video or visit the Unity Financing Online Help Centre.
Adding a new Unity Financing or inter-bank payee in our Mobile Banking App is easy. Make sure your device is authenticated before getting started.
- Go to Move Money on the home screen or in the ☰ menu.
- Select your from account.
- Click on the Someone New button and select the type of payee you wish to add.
- Input your payee's account details and check they are correct. Press continue.
- Complete the transfer as normal.
How do I apply for a Unity Financing loan or credit card?
Apply for a Unity Financing loan or credit card in a way that suits you.
Face-to-face
Contact your local branch to make an appointment to talk to a Lending Specialist.
Virtual Appointment
Available for Home Loans. If you would like to conduct your appointment over a video conference let us know when you call your local branch. Our lenders have access to video conferencing technology so you can have the same experience of a face-to-face appointment, virtually!
Online
Enquire for a credit card, home loan, personal loan or business loan online now. We’ll get back in touch with you as soon as possible to chat about your application and answer any questions you have.
Over the phone
You can start an application by calling us today on 13 14 22. We're available 24/7.
How do I contact Unity Financing if I have a query, feedback or complaint?
At Unity Financing we are always pleased to hear from our customers . People first means putting the needs of our customers first, and hearing what they have to say helps us to achieve this promise. You can make an enquiry or provide us with feedback such as compliments, observations or suggestions by calling 13 14 22, sending an email to info@unityfinancingco.com or visiting your local Unity Financing branch.
If you are unhappy with your Unity Financing experience, learn more about our Complaint Management Promise.
You can also call Unity Financing from overseas on +61 7 4694 9000.
How do I view my Visa Authorisations or Payments in Advance?
You can view more information on your accounts through the “I Need To…” and “I’d Like To…” panels in Unity Financing Online. These panels are located on the right hand of the screen and the options available change depending on your membership characteristics, and the page that you are viewing.
View Visa Authorisations (pledges)
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. For example, if you view transactions for an account with a credit or debit card attached, the option to “View Visa Authorisations” will be visible.
View Loan Details
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. If you view transactions for any loan account, the option to “View loan/Line of Credit Details” will appear. In this menu you'll be able to see your loan information including payments in advance as at last repayment due date.
How can I change how Unity Financing communicates with me?
It’s easy to change your preferences for communication from Unity Financing. We communicate with you in a number of different ways.
Marketing & Special Offers
From time to time, Unity Financing will send you emails, SMS or letters to keep you updated on your account, our products and any special offers. You can opt out of this communication at any time. Use the unsubscribe function, call us, speak to your local branch or write to us to update your preferences.
Electronic Communication
If you have consented to our Electronic Communication and Consent Authority* as part of an application for any facilities or products you hold with us, we will rely on this consent to communicate all communications permitted to take place electronically by law including, but not limited to, statements, notices and any disclosure documents that we are required to give you in relation to any facilities or products you hold with us.
If you wish to add or remove this consent call us, speak to your local branch or write to us to update your preferences.
eStatements
You can register for and manage your eStatements preferences at any time. Learn more.Custom SMS & Email Alerts
You can nominate specific SMS or Email Alerts for your accounts. When one of your chosen Alerts is triggered, you'll receive real-time notification, to your mobile phone or inbox. Learn more.Automatic Security Alerts
To help keep your information and finances safe, you'll receive free security notifications from us for certain actions you perform in Unity Financing Online. You can request to have these turned off, but we recommend to leave these notifications on to help keep your accounts and personal details as safe as possible. Learn more.*Refer to our Electronic Communication and Consent Authority and Guide to Unity Financing Deposit Products for more information about the way we communicate with you.
How do I change my account name?
If you need to change the name on your Unity Financing account, please complete and return our Personal Change of Name Form. Our Personal Change of Name Form details the supporting documents that will be required to process the change.
If you require assistance with the change of name process or need to change the name on a Business or Association account, contact us 24/7 on 13 14 22.
How do I make a car insurance or home insurance claim?
If your motor insurance or home insurance policy is with Allianz through Unity Financing Corporation and you need to make a claim, here's how.
How to lodge a home insurance claim
Do what you reasonably can to prevent further loss, damage or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.
Contact the Allianz Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened. The Claims Consultant will help you through the home and contents insurance claims process. You can also start your Allianz claim online.
In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked us first.
How to lodge a car insurance claim
Online, anytime
A convenient way to lodge a car insurance claim is via the Allianz online claim form. You can commence submitting your car insurance claim notification 24 hours a day, 7 days a week. Once it is lodged, a friendly Allianz claims consultant will contact you.
Benefits of online claims form
- Secure form
- No phone queues
- Immediate confirmation number for your reference
Over the phone - 24 hours a day, 7 days a week claims service
You can call the claims hotline on 1300 555 030 and an Allianz consultant will help you commence the claims process.
How often are statements issued?
For transaction, savings, home loan and personal loan accounts, statements and eStatements will be automatically issued every 100 transactions or 6 months from your account opening date, whichever happens sooner.
You can request to receive your statements or eStatements when it suits you – from daily frequency up to once every 6 months. For example, some customers choose to receive their account statements every 7 days or on the first working day of every month. Simply call us on 13 14 22 and ask us to update your statement frequency.
Statement frequency and dates cannot be changed for these accounts:
- Visa Credit Card accounts
- Interest only loan accounts
- Living Equity Line of Credit (no longer for sale)
How do I activate or check the balance of a Unity Financing gift card?
Unity Financing Credits Rewards Gift Cards
For information about activating a gift card that was gained through the Unity Financing Credits rewards program, click here. These are gift cards issued by other companies, like Myers or Bunnings, that you have chosen to use your reward points on.
Unity Financing Corporation Prepaid Visa Gift Card
To activate your Unity Financing Gift Card, please visit heritagebankgiftcard.com.au. Enter the 17 digit card number, along with the 4 digit code that is detailed in the attached letter.
Other gift cards
Unity Financing issues a wide range of VISA Prepaid cards on behalf of Prepaid Partners. These cards are generally branded with the prepaid partners artwork and say "Issued by Unity Financing Corporation" on the back of the card. For all enquiries on these cards, first contact the card's branding company. Otherwise, contact Unity Financing on 13 14 22 or email Unity Financing's prepaid team.
How can I deposit cash or a cheque into my Unity Financing account?
If you'd like to deposit money into your Unity Financing account, you can do so at one of our branches or Smart ATM's.
Our branch locator online allows you to filter for ATM's in your area. If an ATM is a Smart ATM that allows for cash deposits, 'Smart ATM' will be listed on the services of the location listing. Note: Smart ATM's accept note deposits only.
If you're unable to find a branch close by, you can also deposit cash using your card at your local Australia Post office using Bank@Post.
Bank@Post
- Withdraw money
- Deposit cheques and/or cash
- Check your account balance
Where is my local Unity Financing Corporation branch?
To locate your closest Unity Financing branch and to find the services on offer, visit heritage.com.au/locations.
Alternatively, call our Contact Centre on 13 14 22 24 hours a day 7 days a week.
I’ve made a mistake with my money transfer. How do I reverse it?
If we’re unable to reverse the transfer, we’ll request a trace and recall of the payment on your behalf. This could take 8 weeks for an interbank transfer or 2 weeks for a BPAY. Timeframes may vary.
If you made a mistake with an NPP Faster Payment in the Mobile Banking App, you may request for the funds to be returned by contacting Unity Financing, however there is no guarantee for their return. If you have simply changed your mind about your transfer then the best option is to discuss the issue with the person you paid directly. For more information on the terms on mistaken NPP Faster Payments see the NPP Terms and Conditions.
What are the operating hours for the Contact Centre?
Our Queensland Based Contact Centre is available to answer your call 24 hours a day, 7 days a week on 13 14 22.
You can also call Unity Financing from overseas on +61 7 4694 9000.
You can also get in contact with your local branch, and check their opening hours, using our branch locator tool.
What products does Unity Financing offer?
What is my account number?
At Unity Financing, your account number is your Member Number which is provided to you when you join Unity Financing.
Your member (account) number is the same for all accounts you hold with Unity Financing, under one membership.
You can view your account information when logged into the Unity Financing Mobile Banking App or Unity Financing Online.
If you're unable to login contact us for help 24/7 on 13 14 22.
What is my BSB?
Your BSB is different for each account type you hold with Unity Financing.
We assign a different six-digit BSB to each account type you can hold with us.
For example, our Simply Access Transaction Account has the BSB 638-010 and our Online Saver Savings Account has the BSB 638-260.
When we process payments into or from your Unity Financing account, we use the BSB you nominated to debit or credit the correct account type under your membership.
You can look up your BSB online or contact us 24/7 on 13 14 22 for assistance.
What is the address for Unity Financing Corporation?
Postal Address
The postal address for Unity Financing Corporation is:
Unity Financing Corporation
PO Box 190
TOOWOOMBA QLD 4350
Depending on the type of document you are sending us, you may be instructed to address your letter to a specific team or department. If you are unsure of the team or department your mail should be addressed to, you can contact us on 13 14 22.
Head Office
The registered physical address for Unity Financing Corporation is:
Unity Financing Corporation
400 Ruthven St
Toowoomba QLD 4350
What is the SWIFT code for Unity Financing Corporation?
If you would like to receive money into a Unity Financing Corporation account from overseas, please use our Inward Telegraphic Transfer service powered by Western Union Business Solutions.
This service allows the remitter (sender) to transfer money from an overseas bank account to a Unity Financing Corporation account in over 30 currencies. The remitter should send the funds in their own currency, and Western Union Business Solutions will convert them into Australian Dollars before forwarding to Unity Financing for credit to your account.
Please complete the online form available here to obtain payment instructions.
Where is the closest ATM?
As a Unity Financing customer, you can get money out fee free at Unity Financing ATM's and big 4 Bank ATMs in Australia.
The Big 4 Banks are ANZ, Westpac, NAB and Commonwealth Bank. Remember, some ATMs may still charge fees so it's important to check the prompts on the ATM screen that will indicate if a fee is going to be charged.
To find the nearest Unity Financing Corporation ATM to you, see our locations page.
Who owns Unity Financing Corporation Australia?
Unity Financing Corporation Limited is an Australian mutual financial institution. This means we're owned by our customers, not shareholders. Instead of pursuing massive profits, our customer-owned status means we can focus on putting People first through award-winning service, great products, low fees and competitive interest rates. Learn more.
A complete range of how to's and step-by-step guides to help you with your internet banking at Unity Financing.