Manage Your Swag Spend Account

Earned wage access allows you to access your money as you earn it and make your money work for you and your needs. No more waiting for payday. Earned wage access is available to employees of an organisation that uses an HRIS and Payroll Connection, and is accessed by employees via the Employment Hero Work app only. Read more about Earned Wage Access, and see if you are eligible.

Pay Split lets you choose where and how to split your salary. You can choose to process your payment into your Swag Spend Account or split your pay into multiple bank accounts.

Before choosing to split your salary, check with your payroll administrators to find out if they have a cut-off date for any salary payment changes. Read more about Pay Split.

You can have your pay go into one bank account or multiple accounts. Currently, you cannot add another bank account to your profile via your Employment Hero HR account, so you will need to login to your HR account connection to add another bank account.

Yes, your current Swag Spend Account Visa Debit card will still work as usual after the Employment Hero Work app rebrand.

To top up your account, please follow the steps below:

1. Log in to the Employment Hero Work app.
2. Tap the Money icon.
3. Underneath your Swag Spend account balance, you will see your BSB number and account number.
4. Tap on the Share icon to share the BSB and account number to another device.
   
5. Transfer funds from another bank account to your Swag Spend account via the BSB and account number that you have just shared.

The Swag Spend Account supports instant payments, so if this is available through your other bank, the top-up will be instant. Please note some banks may not allow you to paste in your account details; in this case, you may need to enter your account details manually.

To send money to another bank account from your Swag Spend Account, follow the steps below:

1. Log into the Employment Hero Work app.
2. Tap the Money icon.
   
3. Tap on Payments.
   
4. Tap on Pay Someone.
   
5. Choose from your saved payees, or tap on the plus sign to add the Account name, BSB and Account number, then tap Next.
   
6. Add the Amount you want to send, the Description and the Reference (optional), then Tap Next.
   
7. In When do you want to send? choose Now, Later or Recurring.
   
8. Ensure that the details are correct, then tap Confirm.
   
9. Payment sent will display to confirm that the payment was successful. Tap Done to return to the Swag Spend account.
   

Contact ‌the Swag Spend Account support team via this link. 

You can use your Swag Spend account Visa debit card all around the world where Visa card payments are accepted. Your Swag Spend account is fee-free for everything except overseas ATM withdrawals above $500 per month. Where you withdraw more than $500 in a month, a fee of 1.5% of the withdrawal amount in excess of the $500 applies. ATM operator fees may apply.

At this time, the Employment Hero Work app is only available on smartphones, and compatible Apple wearable devices, however, instant push notifications and payments can be accessed through Google Pay on compatible wearable devices.

Where you think a transaction is an unauthorised transaction or is otherwise incorrect, please get in touch with us immediately via the EH Work app and provide as much information as you can about the relevant transaction so we can investigate further.

There are specific circumstances and time frames where we can claim a refund for a disputed transaction. This means that our ability to investigate a disputed transaction is limited to the time frames imposed by payment service providers and card schemes (like Visa) that we deal with, so it is important to let us know as soon as possible after you become aware of a disputed transaction.

If you have a problem with a purchase made with your Swag Spend account card or a disputed transaction, the first step is to get in touch with the merchant you made the purchase from.

If you cannot resolve the matter with the merchant, contact ‌the Swag Spend account support team via this link. 

If you suspect that the security of your Swag Spend account and or the Swag Spend account card has been compromised, you may want to disable your Swag Spend account and the Swag Spend account Visa debit card to avoid continued unauthorised use.

If you have a complaint or dispute about the Swag Spend account or the financial services provided to you, please follow the below procedure:

Step 1

First, please contact the EH Work Support Team via this link. 

Provide a full explanation of your complaint. The team may ask for further details from you and will seek to resolve the complaint immediately, or no later than five business days after receiving it.

Step 2

Only after you have completed Step 1 and if you are not satisfied with the outcome, you may ask for a Hay customer advocate to review your complaint.

When contacting Hay, please provide details of your original complaint and the resolution or outcome proposed by the Swag Spend Support Team. The customer advocate may contact you for more information before providing their decision.

• Email: complaints@hellohay.co
• Mail: Hay, P.O. Box 772, Surry Hills, NSW 2010

Step 3

If you are still not satisfied with the decision, or EH or Hay do not respond to you within 30 days after you make the initial complaint to Hay, you can contact Hay’s external dispute resolution provider, Australian Financial Complaints Authority (AFCA). AFCA’s details are:

• Website: afca.org.au
• Email: info@afca.org.au
• Email: Phone: 1800 931 678
• Mail: Australian Financial Complaints Authority, GPO, Box 3, Melbourne, VIC 3001

You can contact the EH Work team via this link. 

We understand saying goodbye is not easy and we are sorry if we did not meet your expectations. We would love to know how to improve our customer experience for the future. If you could include the reason for closing your Swag Spend account, we would greatly appreciate it.

Contact ‌the Swag Spend Account support team via this link. 

Please ensure that there are no pending payments, pending cashback transactions and that all remaining funds are transferred from the account ‌before you request closure. We will then request the closure from the provider.

Yes, terminated employees can still access their Swag Spend account. Your Swag Spend account is connected to your profile. This means you can access the account as long as you use the correct login details.

To learn more about terminated employee access, please refer to this article: EH Work app access for terminated employees.

The PDS is located here.

The FSG is located here.

The Swag Spend Account terms & conditions are located here.

 Benefits terms & conditions are here.