First purchase bonus terms and conditions

It pays to be smart!

For a limited time, open an 86 400 account and get $20 after you make a purchase in your first 30 days.


The $20 first purchase bonus is limited to new customers who open an account and make a purchase before 31 October 2020, so you’ll have to be quick! From 1 November 2020, the offer will revert to $10.


To get the ‘First purchase bonus’ follow the steps below:

1 Download the 86 400 app and open an account in just 2 mins.
Download on the app store Get it on Google Play
2 Enter an eligible code on the ‘About you’ screen during the sign up process.
3 Fund your account by transferring money from any other Australian bank account. You can find the BSB and account number in our app.
4 Treat yo’ self (a.k.a. make a purchase) using your card or phone and have the transaction settle (i.e. not pending in your transaction list) before 31 October 2020.
  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay
  • Visa Debit

Ta da! $20 is yours and will be credited to your Pay account within a couple of business days.


FAQs

  • I think I’ve met the criteria, what comes next?

    If you’ve met the criteria, expect to see $20 credited to your Pay account within a couple of business days.

    Just remember you’ll need to wait until your card payment has been settled (i.e. not pending in your transaction list) before you become eligible for the bonus payment.

The “First Purchase Bonus” offer is available to new customers who open an account using an eligible code before 31 December 2020, and who make a purchase using their 86 400 debit card (including digital wallets) within 30 days of opening an account.

The offer is limited to one bonus payment per customer. Customers who were previously an 86 400 customer and closed their accounts within the past 12 months are not eligible for this offer.

The “First Purchase Bonus” offer cannot be used in conjunction with any other offer (unless we determine otherwise).

Only settled card purchases are eligible for the bonus criteria. This means we must wait until the card payment has been settled (no longer showing as “pending” in your transaction history) before you become eligible for the bonus payment. The card purchase and transaction settlement must occur within 30 days of opening an account.

Eligible customers will receive a payment of $10 into their Pay account within a few days of fulfilling the bonus criteria.

Double bonus offer: Customers who join on or after 1 September 2020 and fulfil the bonus offer criteria by 31 October 2020 will receive a payment of $20 into their Pay account (instead of the standard $10 bonus).

There are always a few people who will try to game the system, so here are some fair play conditions.

We retain the absolute right to refuse to pay or cancel a “First Purchase Bonus” payment without notice to you. The reasons for us to refuse or cancel a payment may include, but are not limited to, if:

  • we believe that your access to the 86 400 app is or may be fraudulent.
  • we believe that you have threatened the security of 86 400.
  • we believe you have breached any of the 86 400 General Terms
  • we believe you are acting in bad faith.
  • we have closed your account.
  • your account contains unpaid charges or is overdrawn.

We also retain the absolute right to stop the offer at any time and to change the conditions or incentive of the offer.

Last modified 29 September 2020