October 2017

Win a share of $50,000 with BPAY*

HAPPY B’DAY BPAY! BPAY is turning 20! And to celebrate BPAY are giving you the chance to win a share of $50,000 in BPAY payments!*

BPAY is giving away over 300 prizes, over 6 weeks from 29 October 2017 till 9 December 2017.


Pay a bill with BPAY and register for your chance to win $100 off your next bill.

PLUS, all eligible entries* go in the draw to win…


You could win $5,000 worth of BPAY payments which can be used over 6 months*. Choose to pay for your regular household bills or exciting experiences, flights, holidays and more. ^



Log on to your online banking and choose the BPAY Payment option.


Find the BPAY logo on your bill. Enter the BPAY Biller code, Customer Reference Number (CRN), and amount from your bill.


Visit and complete the online form.

Register here

Remember the more bills you pay with BPAY during the promotion period, the more chances you have to win! *

Disclaimer: ^Please visit for a full list of BPAY Billers

*Promoter is BPAY Pty Ltd of Level 1, 255 George Street, Sydney NSW 2000. Entry commences 00:00am AEDT 29/10/17 and ends 11:59pm AEDT 9/12/17. Entrants must be Australian residents aged 18+ and be customers of an Australian financial institution which is a BPAY Scheme Member. To enter: Make one (1) minimum $10 payment using BPAY Payments and visit and complete registration form. Minor Draw: Electronic weekly draws to win minor prize held on 6/11/17, 13/11/17, 20/11/17, 27/11/17, 4/12/17, 11/12/17 at 11:00am AEDT at MDSA Promotion Marketing, 15 Grosvenor Street, Neutral Bay NSW 2089 (Draw Location). Weekly draw entry deadlines apply. Fifty (50) winners to be drawn each draw: winners win a BPAY payment of $100 (incl. GST) made by Promoter on behalf of winner towards a BPAY payment of winner's choosing. Winners emailed within 48 hours of draw. Major Draw: Electronic draw to win major prize held on 11/12/17 at 12:00pm at the Draw Location. Four (4) winners to be drawn: winners win BPAY payments of $5000 (incl. GST) made by Promoter on behalf of winner toward BPAY payments of winner's choosing. Winners emailed on 13/12/17. Winners list published in The Australian on 20/12/17. Total prize value $50000 (incl. GST). Visit for full terms & conditions. NSW Permit No. LTPS/17/18158 ACT Permit No. TP17/01952 SA Licence No. T17/1846

The BPAY Scheme is managed by BPAY Pty Ltd (ABN 69 079 137 518). BPAY Payments is issued by over 150 BPAY Scheme members. Contact your financial institution to see if it offers BPAY Payments – and to get the Product Disclosure Statement. Any financial product advice provided by BPAY Pty Ltd in relation to BPAY Payments is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such advice, you should review the Product Disclosure Statement and consider whether BPAY Payments is appropriate for your personal circumstances.

August 2017

Cash Passport. Load and be rewarded up to $200* in travel money, to keep you taking the high road.

Be rewarded with bonus cash when you load a minimum of $1,500 or more in foreign currency^ with Mastercard® Cash Passport Travel Card. The more you load, the more you are rewarded. Just think of those extra experiences you can turn it into.

Simply outsmart Travel money with Cash Passport. Pay your way at millions of locations and manage your money anytime, anywhere via ‘My Account’.

  • Lock in exchange rates@
  • 24/7 Global Assistance
  • Accepted at millions of Mastercard locations worldwide#
  • Manage money on the go

Foreign currency load (AUD equivalent) in one transaction Reward amount (AUD)
$1500 –$1999.99 $30
$2000 -$4999.99 $80
$5000+ $200

Register at to redeem your reward.

Enquire instore now! Have a card? Register it now!



^ Loads instore or online must be in foreign currency, AUD equivalent and in one transaction to be eligible for this promotion. #Cash Passport is unable to be used for purchases related to gambling or adult entertainment. Currently Cash Passport cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. If you attempt to use your card at merchants in any of these countries and geographical regions, your request will be declined. In addition, the ATMs and POS terminals are not owned or operated by the Issuer or MasterCard Prepaid Management Services Australia Pty Limited and the Issuer or MasterCard Prepaid Management Services Australia Pty Limited are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and MasterCard Prepaid Management Services Australia Pty Limited cannot control when an ATMorPOS terminal is due for maintenance or is faulty of if a merchant chooses not to accept the Card. In such cases, your Card may not function properly or be declined. For more information please see the Product Disclosure Statement at * Ends 31 October 2017. See full Terms & Conditions at MastercardPrepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement for the relevant Cash Passport available at before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard® and the Mastercardbrand mark are registered trademarks, and the circles design is a trademark of MastercardInternational Incorporated. @Lock in your exchange rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction.
November 2016

This festive season, send or receive overseas payments the easy way

Whether you’re paying for an end of year holiday, sending monetary gifts to friends and family overseas, or receiving a monetary gift from overseas, you need to be sure that you’re getting the best from your international payment service.

With Pulse Credit Union, in association with Western Union Business Solutions, you’ve got an easy and affordable way to send and receive money overseas this festive season. We provide a timely and reliable way of transferring money between accounts.

Competitive exchange rates

Lock in an exchange rate that’s more competitive than many banks1


Pulse Credit Union and Western Union Business Solutions do not charge fees on incoming international payments2

Timely and reliable

Payments usually processed within 2-3 business days3

More than 130 currencies

Send money to over 200 countries and territories

Sending money overseas Receiving an overseas payment

You can also use Foreign Cheques and Drafts which are a convenient way make overseas payments, or send and receive money when the recipient’s bank account is unknown.

Visit your nearest branch or call 03 9347 9588.



1 Western Union Business Solutions (“WUBS”) conducts periodic rates comparisons, the most recent was derived from the websites of 4 major Australian financial institutions on 21 July 2016.
2 For incoming international payments, WUBS processes over 25 currencies fee-free however some exotic or other currencies may attract fees. In some instances intermediary banks may levy additional fees and/or charges. For outgoing international payments, please note that fees, charges, terms and conditions apply and may vary depending upon the financial product.
3 Payment are usually received by the beneficiary within 2 to 3 business days after receipt of funds by WUBS in accordance with payment instructions. There is no delivery period guarantee. Some currencies may take longer than others to process.
4Any financial products described on this page (other than Drafts) are provided by Pulse Credit Union. The relationship relating to these financial products (other than Drafts) is solely between you and Pulse Credit Union. WUBS does not give you any advice, general, personal or otherwise. Any advice provided, is provided by Pulse Credit Union or your adviser. Pulse Credit Union has entered into an agreement with Western Union Business Solutions (Australia) Pty Ltd (ACN 150 129 749; AFSL 404092) (“WUBS”), to engage WUBS’s services in fulfilling these financial products. If you are seeking to acquire Drafts, it is important for you to consider the Product Disclosure Statement (“PDS”) and any other relevant WUBS documents before you decide whether or not that financial product is right for you. The Drafts PDS is available from Pulse Credit Union or on the compliance section of the WUBS website ( WUBS is an operating division of the Western Union Company.