How to Pay

You can choose to pay your account through:

• Direct Debit Request (AutoPay)
• BPAY

Direct Debit Request (AutoPay) can be a convenient way to automate your monthly credit card repayments – reducing the hassle of having to remember due dates. Once set up, your repayments will automatically be deducted each month from the bank account you choose. Your chosen account must be in your name, and there must be enough funds available on the Payment Due Date (listed on your statement) to avoid missed payments and subsequent fees or charges.

How to set up a Direct Debit Request (AutoPay)

1. Go to koganmoney.com.au/important-information
2. Download and print the Direct Debit Request (AutoPay) form
3. Complete and sign the form
4. Return your completed form to us via the email or mailing address provided

You have 3 different payment options for your Direct Debit Request (AutoPay):

• Total Minimum Payment Due – as shown on your monthly statement. This may include Overdue and Overlimit amounts.
• Fixed Payment – an amount of your choosing. This amount must be $25.00 or more. We will debit the fixed amount that you enter or the Total Minimum Payment Due, whichever is greater. If the Closing Balance on a monthly statement is less than the fixed payment amount, the Closing Balance amount will be debited.
• Full Payment (Closing Balance or Interest Free Days Payment) – This will debit the Closing Balance or the Interest Free Days Payment if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to reduce Balance Transfer amounts, you’ll need to make extra payments.

Things to be aware of

Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring your account into credit.

It can take up to 2 business days for your Direct Debit Request (AutoPay) payment to be cleared from the bank account you have nominated to be debited. Until the payment is cleared, these funds will not be available for use.

Contacting us about your Direct Debit

If you wish to notify us in writing about anything relating to a Direct Debit agreement, you should write to us at:

Kogan Money Credit Cards

GPO Box 9992

Melbourne VIC 3001

You may also contact us via Chat in the Kogan Money Credit Cards App or Online.

You can make one-off or recurring bill payments with BPAY® through the Kogan Money Credit Cards Mobile App or Online.

BPAY® payments to existing billers

1. Log in to your account
2. Select Pay
3. Scroll to Make payments
4. Select Pay a Bill (BPAY®)
5. Choose an account to pay from
6. Choose a saved biller to pay
7. Follow the prompts

BPAY® payments to new billers

1. Log in to your account
2. Select Pay
3. Scroll to Make payments
4. Select Pay a Bill (BPAY®)
5. Choose an account to pay from
6. Scroll to Add new biller and follow the prompts

Please note, payments submitted before 6:00pm AEST/AEDT on a business day are usually received in one business day.
Payments submitted after 6:00pm AEST/AEDT or anytime on a weekend/public holiday are usually received in two business days.