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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)

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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)
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Team Ozgiftcards on 16/03/2021 - 17:56 www1.citibank.com.au (3624 clicks)
Last edited 18/10/2023 - 09:37 by 4 other users

Received in email. Maybe targeted.

Free points on your rents, and any other fees that normally don’t accept credit cards without a fee.

Email excerpt below:

We are writing to advise you of an update we are making to the Citi PayAll product feature available on your Citi Rewards Card.

For all Citi PayAll payments set up between 1 April 2021 to 31 October 2023 (the Period), the Citi PayAll fee will be reduced to 0%:

• Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.

• Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment.

• Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

• From 1 November 2022, points will be capped at $20k per month or the lower of your credit card limit.

For more information on Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information and if you are enrolled in a Citi Rewards program, please refer to the Terms and Conditions of the Rewards program you are enrolled in.

https://www1.citibank.com.au/offers-benefits/PayAll1

This is a good guide:
https://www.pointhacks.com.au/citibank/payall/

Financial Citi Credit Card

Related Stores

Citibank Australia
Citibank Australia

closed Comments

    • wangasm on 29/05/2023 - 00:37
      +1

      Macquarie has a daily PayID limit of 10k which won't cover the whole amount. On the other hand you can do it with uBank which has a 20k limit.

      • Micky14 on 05/06/2023 - 09:40
        +2

        Just did PayID this morning with Macquarie. 10K limit per account, so I use 2 accounts(under my Macquarie ID) to PayID to my citi. Transfer is instant.

    • leeroys_dad on 29/05/2023 - 07:18
      +4

      tomatoes tomatoes, i pay back several days in advance to ensure payall payments never fail. they way i see it is lose out on several bucks of interest per month but i have also gained many more days worth of interest + citi points

    • Legoman on 17/06/2023 - 17:43
      -1

      Yes, BPay. PayID is crap. It could be instant but is not guaranteed to be. Sometimes PayID transfers are instant, other times they are delayed at the bank's whim depending on how busy they are and whether they can be arsed or not. It's worth knowing that PayID is actually owned by and uses the same mechanism as BPay. PayID is basically BPay with an unguaranteed instant payment function that sometimes works. If you pay by PayID and are depending on it to be instant, you are going to be caught out eventually when it isn't. That's the reality. PayID is also crap because the banks all employ different non-standard daily transfer limits to its use which you definitely won't be able to remember for each and every bank you use. Some limits are incredibly low like $500, while others can be as high as $20K, but $5,000/day seems to be the most common, which definitely isn't enough to pay off PayAll. A much better solution would be to Mac pay to Citi Plus account which will be instant and then internal transfer from Plus to CC which will also be instant. Mac pay anyone is limited to 100K/day which is more than you'll ever need to pay off PayAll.

  • majuks on 02/06/2023 - 21:28

    Just curious, has anyone tried to use citi payall to pay your own super?

    Would you get your account closed?

    • leeroys_dad on 02/06/2023 - 21:56
      +1

      keep it simple mate. you need to pay it back to avoid charges. just pay it to your bank and transfer to super fro mthere if you must

      • majuks on 02/06/2023 - 22:00

        I forgot, ah yes.. That's a better way. Thank you.

  • BrunoBear on 03/06/2023 - 03:09

    Anyone else doing citi payall to ubank accounts, even though they are both owned by NAB? Being able to use ubank makes things much easier to automate (since i can set up direct debit from one of the savings accounts), but im worried about citibank staff being able to look up ubank account details.

    • leeroys_dad on 03/06/2023 - 05:24

      I have it the same way.
      Keep in mind that if you set up an auto transfer from ubank to Citibank on the 31st of every month, it will skip the transfer that month if the day doesn't exist! Insane!

      • VQLD on 05/06/2023 - 09:28

        I was told by Ubank rep that it'll be processed the day before. Will see this month..

        • leeroys_dad on 05/06/2023 - 17:07

          Yes please report back! Thanks

        • leeroys_dad on 21/06/2023 - 12:04

          How did the ubank transfer go? Was it processed or skipped?

          • VQLD on 03/07/2023 - 10:21

            @leeroys_dad: scheduled on 31st transfer was processed on 30th and money deposited to Citi on 01/07. The interesting thing is, that the next transfer is now shown on 30th instead of 31st..

    • Legoman on 17/06/2023 - 17:46
      -2

      Everyone sensible emptied their UBank accounts and have left them dormant ever since the massive cock-up they made of the 86400 amalgamation. Only masochists continue to use UBank.

      • leeroys_dad on 21/06/2023 - 12:05

        I use 86400 now, signed up fresh account. ubank consolidation took too long for me.

        • Legoman on 21/06/2023 - 12:15

          and in doing so you forfeited the free $50 UBank gave to the customers they forcibly transferred across themselves. So not a great move for the sake of impatience. I on the other hand emptied my UBank account, deleted all the payees, cancelled all the direct debits, and then just left the account dormant but open. A few months later UBank contacted me and said they were forcing my account across to 86400 and would give me $50 if I used their new card 3 times. 3 amounts of $1 paid into water utilty provider and 2 days later my balance was $50. 86400 account now emptied and dormant too.

          • leeroys_dad on 21/06/2023 - 12:58

            @Legoman: Didn't know about the $50 credit! Was that for customers who didn't agree to the move to 86400?
            Unfortunately I had all sorts of single and joint accounts with ubank and 86400

            • Legoman on 21/06/2023 - 13:45
              +1

              @leeroys_dad: It was compensation I suppose for the inconvenience of being forced to change to a new bank with new BSB/Acc and the loss of most of the functionality of UBank. The offer was printed on the letter the new 86400 card arrived on. But you only got it if the changeover was initiated by them, not if you took control and pre-empted them by doing the job yourself.

  • andyman1908 on 09/06/2023 - 14:22

    Got about 377k points on my Prestige Card. Just after a quick answer whether there is better ways to use points other than Coles/Woolies gift cards?

    • CodeXD on 09/06/2023 - 14:27
      +1

      Swapping to Flybuys at 1:1 is better value than gift cards.

      • CyberMurning on 09/06/2023 - 14:32

        agree.
        the only bad thing is you need to bring the physical flybuys card when paying with FBdollar

      • thestig on 09/06/2023 - 14:39

        This isn't the case for the platinum rewards card. A $200 Coles gift card is 41700 points, 40000 flybuys points, which can be converted to $200 fb dollars cost 53200 points.

        • CodeXD on 09/06/2023 - 14:41
          +1

          They specifically said prestige card in their comment.

          • thestig on 09/06/2023 - 14:45
            +1

            @CodeXD: Yep not saying you're wrong. Just letting people know in case they assume the comparative reward value is the same across cards. My assumption was the higher level cards would just save a standard % on all reward redemptions compared to lower tier cards.

      • Legoman on 17/06/2023 - 17:50
        +1

        Buy the Coles gift cards at 3% discount from NIB/Cashrewards using credit card and then use the points for $10 off at checkout. $110 of groceries costs you $97. 12% total discount. Doing this I can't use the points faster than I get them. Still have ~1.3mil+ points and increasing.

        • tunzafun001 on 27/06/2023 - 00:42

          What points are you using for $10?
          I dont get it?
          Buying $97 of gift cards wont get you $10 worth of Flybuys points?

          • Legoman on 27/06/2023 - 11:05

            @tunzafun001: Citi Rewards points convert to FlyBuys 1:1, then at the checkout with your FlyBuys card, 2000 FlyBuys points gets you an instant $10 credit on your grocery bill. Simple and relatively instant. Citi to FlyBuys takes about a day or two to process. FlyBuys to $10 is instant as you're standing there at the checkout.

            • tunzafun001 on 27/06/2023 - 11:16

              @Legoman: Ok, so we are talking about totally seperate deals.ie

              3% off Coles egift
              &
              Flybuys point redemption. You said $97 gets you $110 groceries (from totally un related deals).ie. You could redeem 20 000 FB points (which you accumulated elsewhere) for $100. Then you get $200 worth of groceries for $97.

              Just thought you found a way to get 2000 FB points with a $97 spend.

    • magster on 09/06/2023 - 15:29
      +1

      I also swap to flybuys points. And redeem them in bulk when they have 10% discount (or bonus 2000points) offers

      • CyberMurning on 09/06/2023 - 16:14
        +1

        same. satisfying, right? using free money to generate more (free) money….

        • dein_gesicht on 13/06/2023 - 11:37
          +1

          Free money is good, but KF points can't be beat!

          • Legoman on 17/06/2023 - 17:52

            @dein_gesicht: Even when they expire?

          • tunzafun001 on 27/06/2023 - 00:44

            @dein_gesicht: Any idea if KF have flights to NZ (codeshare) again?

            I transferred 55k points to KF for an Nz trip.. then Covid hit.

            The KF flight search wouldnt even allow NZ as a destination yesterday?

            • Legoman on 27/06/2023 - 10:57
              -2

              @tunzafun001: Just adding a ? at the end doesn't make a statement a question

    • VQLD on 12/06/2023 - 10:28
      +2

      plenty of other gift cards via Citi rewards redemption. And it's instant/email comparing to Flybuys. Just a little bit more points. I waited 3 weeks to get Bunnings physical GCs when redeeming via Flybuys. Yesterday, saw engine oil on sale at 1/2 price in Supercheap, instantly got SC GC via Citi redemption and bought it.

  • BrunoBear on 14/06/2023 - 17:39

    can't seem to log in through both app or website. Anyone else having any issues?
    On the app it says 'unable to verify'.
    On website it says:
    Temporary delay.
    System currently unavailable.

    • SydneySwan on 14/06/2023 - 17:42

      No - working for me.

      • BrunoBear on 14/06/2023 - 18:34

        I guess it means my accounts been blocked. Received my card and did some payalls today.
        Card still works ok though.

  • bawlingonabudget on 26/06/2023 - 21:43

    I am bloody lost after reading this whole thread with the statement dates and payments etc…
    Could anyone help me out here please?!

    I received my card today (26th June) and am scheduling a PayAll payment of 20k ($20,100 limit) to which it shows my payment date is on the 04 Jul 2023.

    1) Does this mean I have to pay the 20k back by the 04 Jul 2023?
    2) I am trying to maximise my points in hoping to get the points credited for June too but I have a feeling I should wait until the next month if the above is true.

    Either way, I am all ears - feeling so defeated with information overload.

    • leeroys_dad on 26/06/2023 - 23:04
      +1

      I think you've missed June, but welcome aboard this flight for the next 10 years. Enjoy your stay and don't stress too much.

    • VQLD on 27/06/2023 - 10:39
      +1

      You'll receive your CC Statement, say on 01/08 showing balance payment due date, say 14/08. So, you have to make sure you pay your CC balance before 14/08 (avoid fees) and make sure you have 20K available on your card for your PayAll transfers (usually processed 1-3 days before your scheduled date). If you set it up wrong, it will hit you hard…$20K is a big sum..
      CodeXD provided lots of examples in this and another thread about Prestige CC.

      • bawlingonabudget on 27/06/2023 - 14:19

        So when you set up the 'Scheduled payments' you make sure to do it well before the CC statement date?

    • Legoman on 27/06/2023 - 11:00
      -1

      It's not simple or easy. You have to be willing to put the work in yourself. All the answers are in here if you look and read and comprehend. If you're looking for a quick, one-stop, easy plug 'n play answer to how you can use this to get free money handed to you with no effort, then the lottery is for you, not this.

      • bawlingonabudget on 27/06/2023 - 14:13

        I have read most of your posts and maybe it was information overload hence which is why I'm asking the community.

        To take your advice, I've already messaged Citibank to change my statement to the 15th.

        The issue I'm currently having is for my first PayAll, I don't know whether I need to pay the PayAll amount on the 4th of July or not.

        • CodeXD on 27/06/2023 - 14:32

          When is your statement due date?

          Even if you have never received a statement before, log onto citi on desktop and then click into Citi Prestige Card. You should see:

          Last statement issued date
          Minimum Payment Due Date

          My suggestion to maximise money in offset/savings account is to schedule the payall date as payment due date + 3 days (since citi will take the amount 3 days before due date).

          Also read here for my scenario.

          • bawlingonabudget on 27/06/2023 - 16:45

            @CodeXD: the last statement issued date is currently at 21/05/2023

            Could you clarify what you mean by the "schedule the payall date as payment due date + 3 days" - I don't quite follow unfortunately

            • CodeXD on 27/06/2023 - 16:46
              +1

              @bawlingonabudget: My due date is 24th so +3 days = 27th every month.

              I schedule my payall for 27th.

              I pay back the $20k + any other amount outstanding to make sure I make the statement due date, and the same time it is due, I will get the $20k back in my offset account.

              • bawlingonabudget on 27/06/2023 - 16:47

                @CodeXD: and your statement date is also on the 27th?

                Is this so you can knock off the PayAll amount and whatever you've billed on the CC too at the same time?

                • CodeXD on 27/06/2023 - 16:50

                  @bawlingonabudget: My statement issue date is 10th.

                  Yes, I make 1 payment to citi monthly to cover both payall and CC at the same time.

                  • bawlingonabudget on 27/06/2023 - 16:52

                    @CodeXD: and is this on the 27th or before the 10th?

                    I really appreciate your patience here as I am getting super confused

          • bawlingonabudget on 11/07/2023 - 15:36

            @CodeXD: hey CodeXD - hoping you impart your wisdom on me.

            My statement issued date is going to be the 24th of every month with the payment due date going to be on the 7th of every month (more or less depending on if it falls on a weekend etc).

            How should I go about scheduling the payall date - would this be the 10th of everything month?

            • CodeXD on 11/07/2023 - 16:02

              @bawlingonabudget: Yep 10th every month.

              • bawlingonabudget on 11/07/2023 - 17:21

                @CodeXD: thank you!

                To clarify, does this mean by the 7th, I should deposit (payback) the PayAll amount + any outstanding debts CC I have on the card?

                • CodeXD on 11/07/2023 - 17:29

                  @bawlingonabudget: Yes you will need to pay everything back by the payment due date of 7th.

                  You should also receive an SMS 3 days prior to 7th saying your payall is due in 3 days. That is when I pay back the statement.

                  • bawlingonabudget on 11/07/2023 - 19:10

                    @CodeXD: noted and thanks!

                    one last question please - that means after everything is paid by the 7th - the 10th is when I schedule the PayAll (i.e. which leaves citibank to another account)?

                    • CodeXD on 11/07/2023 - 20:15

                      @bawlingonabudget: You want everything in your citi account by 7th, payall will take the amount out 3 days before the payall schedule (which us why you schedule it for 10th).

                      It will leave citibank on 7th, and enter your bank on or before 10th.

        • Legoman on 27/06/2023 - 18:15
          +1

          My recommendation to move the statement date to around the middle of the month was based on assumed knowledge at the time that all Citibank cards were 55 day interest free. I did not at that time know the Prestige card was a special case in only being 44 day instead. This moves the goal posts significantly because on the 55 day cards, a statement date of 15 would mean a nominal payment due date of 11, which is fine and works well. However, for a 44 day card it will mean a payment due date right on the cusp of the change of calendar month which makes it very likely you are going to be constantly having PayAll payments rejected for exceeding the monthly limit (either in the past month or the new month) and you won't be able to predict this happening in advance. In short, if you're trying to do this with a Prestige card, then start again from first principals and work it all out for yourself. Ideally, I would simply say, son't use a Prestige card for this. Firstly because the annual fee of a Presitige is ridiculous and not worth it, but also because the 44 day interest free period seriously closes the window for setting up PayAlls to a very small number of days right at the very end of each month which will require a lot of manual timing to not be rejected. It will be the hardest card type to use to automate the payments as much as possible.

    • magster on 27/06/2023 - 11:27
      +2

      I feel choosing 4th of each month (if you plan to set up recurring payment) is too risky, as they will take the money from your credit card 3 business days beforehand, not on the payment date. So if there a weekend in between, the ‘payment’ may end up being taken in the prior month. So I would chose a date like the 8th for recurring payments.
      When is your statement date? Mine is around 17th. So I play it safe and pay everything off before the statement is generated. So i set up direct debit from my normal bank account on the 12th to pay back the 20k (giving a few days window incase the weekend again). I know some people wait until the statement is generated and then pay off before the due date, I find that too complicated and was happy to forfeit the few interest free days to avoid any dramas.

      • bawlingonabudget on 27/06/2023 - 14:15

        My statement date is on the 15th which I asked Citibank to change for me.

        The current hurdle is, I'm trying to put my first PayAll amount in and it comes up with "Payment Due" for 4th of July (this will only be a one-off payment and not recurring as I wanted to get points for June but seems like I've missed this month).

        I guess my next question is, does that mean I should put in my Recurring Payment for 8th-10th for example? Meaning I need to put the PayAll through at the start of July?

        • capslock on 27/06/2023 - 15:45
          +1

          Setting up your Payall for 8-10 July is fine. You'll see for yourself how it all works and get the hang of it after a couple of months.

          People here have different circumstances that they may not always disclose like card limits, due dates, repayment methods and repayment frequencies. What applies to them may not apply to you so don't just blindly follow what people say they are doing.

          • bawlingonabudget on 27/06/2023 - 16:55

            @capslock: this is a very valid point with other peoples circumstances.

            I guess the hardest part for me right now is trying to grasp everything without going through with it all

        • magster on 27/06/2023 - 15:47
          +1

          You can set up recurring Payall payments now for July onwards, you can chose the 7th, and then set up recurring direct debit to pay the balance back from your bank account on the 10th. So when the statement is generated, you will have nothing owing. As I mentioned, mine is just a simple safe method. Then if you need to use the credit card for normal expenses to collect additional points, you can use it after the statement date, and just remember to pay it back before the end of the month.

        • Legoman on 27/06/2023 - 18:30
          +2

          On a 44 day card such as the Prestige, I would get Citibank to move the statement date to no earlier than the 20th. That will mean your payment due date will be nominally the 5th. The 5th should be far enough away from critical change of months taking into account all kinds of variables like public holidays, weekends, February etc. to not ever fall into another month. Then you just have enough room to schedule 2 PayAlls/month and not have them rejected. The first will be on the 25th and the second on the 28th. In February it will mean a PayAll scheduled for the last day of the month which is risky but should be OK. Better that than moving the statement date to the 19th and thus the payment date to the 4th. Worse case is for one month in the year you get one rejected PayAll for breaching limits, but all the rest should be OK.

          • bawlingonabudget on 27/06/2023 - 19:17

            @Legoman: appreciate this Legoman, learning a ton from your insights!

          • 1bargain on 27/06/2023 - 22:06

            @Legoman: Thanks.
            I got in it Jan but finally getting the hang of this. I’ve been all over the place with it from the start.

            I didn’t immediately do PayAll in Jan so missed 20k points. I was waiting to pay a massive fee with this card but it dragged to Feb. Since then, I haven’t fully paid from that debt and just moving in and out to earn points and pay due amount while earning small amount of interest.

            I missed April altogether bc of Easter & Anzac holiday so my BPay was late and Payall was rejected. It’s been a steep learning curve. I haven’t automated it yet but I figured I’m just going to pay $5k back and do one $20k PayAll per month near beginning of month. I’ve been getting 20k points with just $15k and it was how I missed April altogether. School holidays can be busy and make timing difficult, especially when PayAll is rejected, you have to wait another 7 days.

            I was going to call to change statement to 15th as recommended months earlier but I realised my original date was perfect after months of trial & error. It allows me to keep my money in the bank at end of month to meet criteria for bonus interest. It’s good to see that you prefer dates after 20th because mine is 23rd and I think it’s in a sweet spot.

            • leeroys_dad on 27/06/2023 - 22:13
              +1

              @1bargain: Dude just set up the recurring payments, $10k on day 10 and another $10k on day 11, this way you have maxed your limits, pay it all back by day 5 the following month.

              Don't get caught up with statement dates or maximizing interest you earn. Even though this is the way to maximize everything, sometimes one missed month can undo all of that hard work. Keep it simple

              Payall creations are only free free until October this year so you need to set up in advance for recurring

              • Legoman on 27/06/2023 - 23:39

                @leeroys_dad: Good advice if all you care about is the points. Fortunately though, interest rates are now such that cash is a legitimate asset class with earning potential all of its own, so if you care about using the cash as well as getting the points, then working out the times to maximise holding the cash for as long as you can in the month before paying it back is actually worth more money in terms of interest earnt. 35K for example (being the old PayAll limit) is worth nearly $150 in interest if you can hang on to it for nearly the full month. But if you don't care about a free $150, then sure, just keep it simple and pay it back straight away to simplify your life.

                • leeroys_dad on 28/06/2023 - 06:04
                  +4

                  @Legoman: Don't get me wrong, your way is ideal and I'm doing 90% of your process. My advice was simply for this bloke who missed a payment and had had multiple payall rejections, sometimes the process and dates can be challenging to get right and can negate all the opportunities when 1 simply fails

              • cyruslol on 14/07/2023 - 23:45

                @leeroys_dad: The condition says “ Any recurring Citi PayAll payments set up prior or after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. ”

                So even i setup recurring payment today , they will charge 2% from Nov 2023?

  • BrunoBear on 27/06/2023 - 14:36

    Just got my first statement today (27th June). The statement due date is 10th July, which is strange because according to what people have mentioned here, it should be around 22nd July. So is this an anomaly for the first statement or can I expect the due date to be around the 10th going forward?

    • CodeXD on 27/06/2023 - 14:38

      Everyone's date is different due to when your application is approved.

      Statement due date is 2 weeks from when you receive statement.

      • BrunoBear on 27/06/2023 - 14:44

        Ah ok. I got confused because legoman mentioned somewhere that the due date should be statement date plus a month minus 5 days.
        But if it's actually 2 weeks then my 10th July due date sounds about right.

        Edit: Just realised that prestige has fewer interest free days (44) than premier (55)

    • Legoman on 27/06/2023 - 18:36

      This is because you have the Prestige card which is only 44 days interest free (which is why it sucks). 44 day cards will have the payment due date 15 days before the statement date (nominally). 55 day cards have it only 4 days before the statement date (nominally). 11 days difference between the Prestige and all other proper Citibank cards.

      Makes me wonder why they call it 'Prestige'. The power of marketing I guess. Give something a fancy name and a high price tag and people will want it, even though it offers less.

  • bawlingonabudget on 27/06/2023 - 16:51

    on a separate note, are we allowed to make a 20k PayAll amount or is there still this 90% rule?

    • Legoman on 27/06/2023 - 18:41

      The 95% rule was always undocumented and only discovered when people bashed up against it and figured out it was 95%. As such, you are not going to be able to get a definitive answer. Some people have suggested they have been able to PayAll 100% of their credit limit (or 20K) in one single payment without rejection. Others including me got bounces when trying to do that and were topped out at 19K for one payment, thereby forcing at least two PayAlls to be scheduled in each month in order to maximise the allowable total. Try it for yourself and see. If you get rejected at 20K, then for you at least, the limit is more likely to be 95%/19K in one payment.

      • bawlingonabudget on 27/06/2023 - 19:11

        appreciate the insight and cheers!

      • bawlingonabudget on 31/07/2023 - 12:17

        hey Legoman, are you taking advantage of both the Citi Prestige and Premier cards with their PayAll function? Would you say it's worth gunning for?

        • Legoman on 31/07/2023 - 12:42

          I don't have a Prestige card and never have. I don't pay fees for credit cards… ever. It's one of the golden rules and Citibank have never offered to the best of my knowledge a fee free version of the Prestige, ergo, I don't have one.

          • bawlingonabudget on 31/07/2023 - 12:47

            @Legoman: fair enough. That being said, would you say it's worth taking a punt and using the PayAll feature on both cards to rack up points?

            • Legoman on 31/07/2023 - 13:28

              @bawlingonabudget: If I had a free Prestige with a credit card limit high enough to make it worthwhile without excessive top-up payments required each month to carry the balance, then I would definitely use it for PayAll. But there are some problems with this because a free Prestige doesn't exist and I would never pay the fee for one so I could put in a lot of work to use it to get nebulus points that are never going to be worth more to me than the annual fee to hold the card. So this only works in a hypothetical world.

  • BrunoBear on 27/06/2023 - 18:41

    For those who have used easi pay direct debit:
    does the available credit reset the day after the due date?
    When does the money get debited (on due date or day before)?

    • Legoman on 27/06/2023 - 18:50
      +1

      No, restoration of your useable credit takes a good 2-3 working days after payment has been taken
      EasiPay direct debit always occurs on the due date or the next working day after the due date if the due date happens to fall on a weekend/public holiday. It is never drawn in advance before the due date even if the due date falls on a non-bank working day.

      Make sure the account the EasiPay is to draw from has the required funds in it by the end of the day before the due date and you'll be fine. Do not attempt to squeeze the last day of interest out of it by trying to rely on Osko type instant payments to make the transfer on the actual due date. Citibank can and do draw the funds at varying times on the due date and you have no way of controlling or predicting this, so do not try it. If the payment fails, you will get an instant "missed payment' notification on your credit record.

      • Crowing on 19/07/2023 - 07:28

        Also - make sure you schedule any regular payall transactions at least 6 days post statement due date if using EasyPay. My statement due date is 17th and scheduled payall for 20th but it was rejected as the EasyPay funds were not settled yet dispute funds being taken from my bank account.

  • Jj456 on 30/06/2023 - 12:27

    I just received a call from NAB(Citi) regarding my payall payments. They asked what account I was making payments to. I said I paid to my own in order to pay my hecs off.

    Am I screwed lol

    • BrunoBear on 30/06/2023 - 12:35

      How much are your payalls? What name did you put for the account?

      • Jj456 on 30/06/2023 - 12:45

        $20k - just put the banks name ie. Westpac

        • BrunoBear on 30/06/2023 - 13:01
          +2

          Im guessing they are more concerned about financing a terrorist organisation than you getting free points. Let us know how it goes.

  • DuCkBiLL on 04/07/2023 - 15:32
    +4

    A note of caution to everybody as BOQ locked my account and blocked my funds related to 2 months of PayAll and other deposits without any explanation, and said the funds will be sent back to the sender banks.
    I am now in a situation that I don't have enough to cover my credit card statement and waiting on AFCA to help me with this situation.

    • BrunoBear on 04/07/2023 - 15:49

      Thanks for warning. Was this myBOQ or regular BOQ?
      How much were the payalls?
      I've got a 6k/month payall going in to BOQ savings (myBOQ) right now, but might change to CBA now that you’ve mentioned this.

      • DuCkBiLL on 04/07/2023 - 16:40

        I had 20k/month in total, split in 2 payments to myBOQ savings account.

    • thestig on 04/07/2023 - 15:54

      Was there no way to suspend the PayAll payment after the first month when it was locked?

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