FAQ's

Beem is completely FREE to download and use. But check with your bank if you have fees for transactions from your bank account as these could apply (although it's very rare).

Beem is very secure - all your important information is encrypted. We authenticate every transaction and have real time fraud monitoring. 

Your information is also secure. We only share your data with your permission or if it's for government regulations or for security and fraud purposes.

You’ll need to hold up your end of the bargain too though. It might seem obvious, but don’t send money to people you personally don’t know and trust.  And please keep your account details and passcode secure.

If you think your account has been compromised in any way, please let your bank know ASAP and change your Beem passcode.

If you want to block your Beem account from any further activity, please let us know and we'll get this processed.

Other users can only see your display name, profile picture and your username (which are all customisable).  They won’t be able to see any other personal details about you.

The only information that another Beem user will be able to see about you is your display name, your @username and your profile pic (if you've added one). They can pay/request/split money with you if they have your digits in their phone contacts as well.

All the other information that we gathered during the registration process was used to verify that you are who you are, and is never shared with other Beem users.

The Privacy Policy can be located at https://www.beem.com.au/privacy.

For the Beem app to operate smoothly, your device will need to be running iOS 14 or Android 6.0 (Marshmallow) or later.

If you’re using an Android device, please make sure you download the app directly from the Google Play Store.

Update:
We’re aware that some users on iOS 17 and earlier versions may experience issues when adding a card during the authentication step.

If possible, we recommend updating your device to the latest iOS version and then trying to add your card again. Alternatively, you may wish to try adding your card using another device.

If you want access to loyalty card storage and group expense tracking you’ll need:

• An email address

• An Australian mobile number

If you want to make payments or to receive payments you’ll also need to complete the ID process and add a valid debit card:

  • Valid ID documents (Australian Drivers Licence, Medicare Card, Australian Passport or International Passport)

  • An Australian bank card that is eftpos online enabled

  • Access to the bank account linked to that card

Please note you can only create a Beem account while you are in Australia.

In order to ensure payments are safe and secure, we need a form of ID from each customer to verify everyone on Beem are the ones making the payments.

Some customers may require more than one ID.

Usernames help other users identify & transfer money to you, while keeping your personal details private.

The username will appear for anyone who has you on their phone contact list, when they use it to find people on the app.  And it can be searched by any user – so it’s best to choose wisely.

A username must:

• be 3-15 characters in length,

• cannot contain any special characters (underscores are okay), and

• not be misleading, offensive or inappropriate.  We all love a good joke, but let’s keep it PG.

Payment (including through Checkout with Beem): There is a $2,000 per day payment limit, and a rolling 30 day limit of $10,000.

Request: You can request up to $2,000 from a maximum of 10 people. A user can have 25 pending requests/splits open at any one time.

Split: You can split a bill up to the value of $9,999.99.  A user can also have 25 pending splits/requests open at any one time.

Receive: There is a rolling 30 day receiving limit of $10,000.

Beem is just like paying someone in cash.  It’s instant, easy and goes straight into their bank account.

Just make sure that you know the person you’re paying because once the money’s sent, it’s in their account.  There is no backspace button.  Once it’s gone, it’s gone and we can’t reverse the transaction.

There are two ways that you can make a payment.

From your contacts or with a Beem username:
Select Pay, input how much, who to and what for, swipe right and it’s done.

Using a QR code:
Scan the users code, input how much, what for, swipe right and it’s done.

You can use Beem to send money to friends who don’t yet have the app.  But they’ll only receive the funds once they get onboard.

• Start a new payment transaction and then select the person you want to pay from your contact list.  When the text message box pops up, please send the message otherwise the other person won’t know that you’ve sent them money. 

• The recipient will receive a text message inviting them to collect their funds by joining Beem.  They’ll have 14 days to register for an account and claim the money.

The funds will be only debited from your account when the other person has fully set up their account including adding a debit card.

If you send a payment to another Beem user and the other user has notifications turned on then they will get a notification of the payment.  They will also be able to see the payment on their activity page.

The other user will be able to see your username, the payment details and message but they won't be able to see any other personal details about you.

Make sure your default card is still valid and active.  

Some other things you can check are:

• You are using the latest version of the app.

• The software on your phone is up to date.

• The recipient's default card is still valid and active.

• You have enough money in the account to cover the payment.

• You haven’t exceeded the daily transfer limit.

• You haven’t exceeded the 30 day rolling limit.

• There are no locks or blocks on the account.

• Online transactions have been enabled.

If your card and account details are okay, try removing and adding your card again to see if this makes a difference.

If not, please contact Customer Support for assistance.

From the home screen:

• Select request.

• Enter the amount.

• Select a user from your contact list.

• Enter a description.  

• Slide to request – and you’re all done.

A white tile will appear on the activity page of both you and the other user.

As soon as they accept the payment request, you will see the money in your account. 

You can send up to 25 requests.

To cancel a request, go to the Activity page then:

• Select the request you want to cancel.

• Tap the trash can in the top right hand corner.

• Select ‘Delete request’.

The request tile will also disappear from the other user’s activity page, so it’ll be like nothing ever happened.

Beem will never send you a request for money.

If you receive a request for money from someone claiming to be from Beem, please decline the request and let us know.

If you receive a request from someone you don’t know, you can either ‘Decline’ the request, ‘Block User’ or ‘Cancel'.

If you choose the block option then the user will not be able to see you in their search results and contacts list, and they won’t be able to transact with you.

If you want to unblock a user simply go into the Security & Privacy settings, select Manage blocked users and select the person you want to unblock.

If your phone is lost or stolen, contact Customer Support and we’ll suspend your account from any further activity until you’ve sorted this out.

Log on to your account.

Select Account>Settings & Privacy>Change passcode>enter current passcode>enter new passcode.

If you don’t remember your passcode, select “Need a hand?” at the Enter passcode screen.  We’ll send you an email and an SMS verification code to confirm it’s you and you can then select a new passcode.

Log on to your account.  Select Account>Account Details>Username>enter new username.

Make sure that the username is:

• 3-15 letters long

• does not contain any special characters or spaces (underscores are okay)

• is not misleading or inappropriate, and

• is not already used on Beem. 

Please note that usernames can only be used once and cannot be recycled.  Additionally you can only change your username 4 times during the lifecycle of an account.

We check your contacts regularly so as new friends join Beem, your Beem contact list will also be updated, making it faster to pay anyone.

You can do this on IOS by:

• Going to Settings.

• Navigating to Privacy.

• Selecting Contacts.

• And switching the tab next to Beem to green.

You can do this on Android by:

• Going to Settings.

• Selecting Apps or application manager.

• Select Beem.

• Navigating to Permissions.

• Enable Contacts.

We’ll be sorry to see you go and would appreciate any feedback you have for the Beem team to improve the user experience.

You'll need your login details for the following steps. If you have forgotten your details or need assistance, please email our support team at support@beem.com.au and they will help you out. 

iPhone Users

Just log on to the app select Account > Account Details > Delete account and follow the prompts.  

Android Users

Log on to the app and select Account and scroll to the bottom of the screen and tap Close account and follow the prompts.

Web Wallet

Login to the Web Wallet with your email and select the Close Account option on the left panel and follow the prompts. 

Please keep in mind that you will not be able to re-register with the same username in future.

Once an account is closed we only keep information that we are legally required to. We’re legally obligated to keep specific records for 7 years to meet Australian financial, privacy, and anti-money-laundering requirements. 

If you just delete the app from your phone then your account will still be active which means your friends can continue to send you money.

We’re always interested to hear how we can make your Beem experience better so please send us your feedback using the Help>Contact us link.

Still have questions? Not sure about something? Want to send us feedback? Got ideas about a cool new feature?

You can contact our support team on support@beem.com.au and we'll get back to you as quickly as we can.

All journalist enquiries can be sent to media@beem.com.au.