Help & support for mymo

mymo by P&N Bank is a complimentary budgeting banking app that allows you to view your bank accounts from all your financial institutions in one place.

mymo will give you insights into your spending, send you bill notifications and allow you to create budgets and track your everyday spending to make it easier to get ahead.

You can find the mymo app in the Google Play Store or Apple Store by searching for P&N Bank or mymo by P&N Bank.

Only ever download apps from the official Google Play Store or Apple Store.

You can register for the mymo app in minutes.

1. Download the app. You can find mymo by P&N Bank in your app store, then install it on your device.
2. Open the app and tap on the Register / Login button to begin the registration process.
3. You'll need to take a moment to review the app Terms & Conditions. Click 'Accept' to proceed with your registration.
4. Connect your P&N Bank membership by following the prompts to log. This allows easy access to all your account information. Rest assured, mymo uses bank-level security to keep your personal information safe.
5. Set up your biometrics or secure password to login
6. Next we'll ask you a few quick questions so we can personalise your experience
7. And you're in. Your main dashboard will display a comprehensive overview of all your P&N accounts and their balances,

You can easily access all your accounts in one place my mymo

1. Select 'Connect Accounts' displayed on the main dashboard. You'll can also add accounts from different financial institutions within the app settings.
2. Next, search for the Australian financial institution you wish to add, or select it from the list.
3. To add accounts from another financial institution you're required by the Consumer Data Right (CDR) to select the consent period for data sharing (that is how long mymo can access your data from other Financial Institutions for) and confirm what data you are happy to share. 
4. Different financial institutions may require different verification processes for linking accounts, however they all require a one-time password (OTP) to be entered. Once completed, simply select the accounts you wish to link.
5. The accounts will now need to sync with mymo. Upon successful verification, a notification will alert you when the accounts have fully synced and are available to view

You’ll be able to link transaction and savings accounts, credit cards, home and personal loans and superannuation from every Australian Financial Institution into mymo. mymo transforms your transactional data into valuable financial insights that can detect future bills, automatic transaction categorisation and more. mymo will also let you know in advance if there isn’t enough money in your account to cover your up-and-coming bills.

Yes, you need to be a P&N Bank member to use the mymo app which can help you up your budgeting, money management and savings game. 

With so many great bank accounts, home loans, and insurance options to choose from why wouldn’t you join our customer-owned bank? And it’s easy to open an everyday banking or savings account online at any time.

Find how how to become a member

P&N are an Accredited Data Recipient (ADR) governed by the Australian Competition and Consumer Commission (ACCC). We are required to adequately protect your CDR data from misuse, interference, loss, and unauthorised access, modification, or disclosure. This makes it a secure option to view and track your accounts all in one place.

Your bank account data is securely stored and managed in line with the rules and safeguards of CDR legislation, just like your other banking apps.

Find out more about the Consumer Data Right

It's easy to edit the transaction details within mymo to ensure accuracy and so the category being used is correct.

Select the transaction you wish to edit or search for it using the search bar. You can edit all the details of every transaction including the name and category. You can also:

• • add a tag,
  • exclude it from tracking,
  • add a note to it or 
  • create it as a recurring bill.

Use the tagging option for better transaction searches and to exclude specific transactions from your budget calculations, if needed.

Use the exclude from tracking toggle to stop a transaction being used in budget calculations. You have the option to select just the one particular transaction or all current and future transactions.

To customise your dashboard you can rearrange, add, or remove widgets. Simply drag and drop the different elements up and down the list.

To create a budget, select Budget' from the main dashboard.

To effectively manage expenses, you can sync your budget period with your pay cycle for more accurate tracking.

You'll be asked to choose spending categories and set budgets based on your spending history or the suggested amounts on prior spending. After the category has been selected confirm to add the budget for th chosen category.

mymo by P&N Bank can track regular debits from your accounts, no matter which bank they are with. Once you have connected all your bank accounts follow the steps below to be alerted each time there is a payment due.

1. Select 'Find bills for me' on the main dashboard. Then, select the + sign to add a bill. From there you can either use an existing transaction or create a bill manually. 
2. To use an existing transaction, select the option and then scroll or search for the transaction you wish to use. Select it to add as a bill. You'll then be able to set the frequency and input when the next due date is (if it hasn't pre-populated). Select 'Save bill' .
3. To create a bill manually, choose that option and then type in the name of the bill and then the amount. Select the frequency and add when the next due date is. Remember to save your bill reminder.

mymo can help you track your progress towards your different saving goals. To create a goal:

1. Select the 'Your Goals widget' on the main dashboard.
2. What are you saving for? You can either manually enter in a goal description or use one of the quick items displayed. You also have the option to add a photo of your goal, and you can select an image from the library in the app.
3. Enter the amount you want to save and then select the account you want to assign the goal to.
4. Set up your goal timeframe. You have three options to choose from:
   • by a specific date,
   • in a few months/years or
   • without a fixed end date.
5. Depending on the goal, you may have different due dates for it. e.g. If you are saving for a holiday you may need a specific end date, however saving for something such as a new car may require a longer saving period. Saving for something larger such as a home loan deposit may not require a timeframe at all.

You can easily access all your accounts in one place my mymo

1. Select 'Connect Accounts' displayed on the main dashboard. You'll can also add accounts from different financial institutions within the app settings.
2. Next, search for the Australian financial institution you wish to add, or select it from the list.
3. To add accounts from another financial institution you're required by the Consumer Data Right (CDR) to select the consent period for data sharing (that is how long mymo can access your data from other Financial Institutions for) and confirm what data you are happy to share. 
4. Different financial institutions may require different verification processes for linking accounts, however they all require a one-time password (OTP) to be entered. Once completed, simply select the accounts you wish to link.
5. The accounts will now need to sync with mymo. Upon successful verification, a notification will alert you when the accounts have fully synced and are available to view

To delete your mymo account follow the steps below.

1. The app Settings function can be accessed via the Dashboard. Tap on the cog icon at top right of the screen. When you open the app Settings screen, delete mymo account will be listed under Account Ownership.
2. You will need to tap on Delete mymo Account. This will take you to the Delete Account screen where you can delete your mymo account.
3. Once you read ‘What happens once you delete your user account’ and tap ‘Delete my account’, the system will immediately delete your account along with the data, you will be immediately taken out of the app.

Open Banking is an initiative in the Australian banking industry which gives you the ability to share your banking information with other accredited parties – such as other banks and financial institutions – online via a simple, easy to use and automated process. Doing this makes it easier for you to manage and compare accounts, and consider switching banking products and services.

Open Banking is provided and governed by the CDR legislation, introduced by the Australian Government to give consumers more control over their data.

When you have the option to share your data though Open Banking, you'll be asked by your service provider who you bank with and what account information and data you’d like to share. 

You can choose to share account balances, your account type and transaction information (including the transaction amount, date and description). Remember you can see and manage this at any time.

Once you choose to share your data, you'll be taken to a webpage and will need to enter your P&N member number. Then you will need to:

• Verify your identity, using a one-time password. This is provided by P&N Bank and displayed in internet banking and the mobile app under Data sharing. If you're not currently registered to use the mobile app, your code will be sent via email, or you can generate a one-time password.
• Agree (provide consent) to share your data. If the account is a joint account, a proposal will be created and sent to all account holders to gain their consent.
• Select the accounts you want to share data for and confirm.

The data sharing is done between accredited providers. You as a consumer consent to your data being shared from a data holder to a data recipient. All providers must be accredited by ACCC in order to start sharing data.

An accredited data recipient receives consumer data to provide a product or service; whereas an accredited data holder holds consumer data and can transfer the data to an accredited data recipient upon receiving a consumer’s request and consent.

You can find a current list of providers on the CDR website.

You can view this through internet banking or mobile app. 

In internet banking go to to  Services > Data Sharing to see a list of your existing or previous data sharing agreements.

In the mobile app go to Settings > Manage data sharing.

To display more information about the data sharing agreement, select “Sharing”/"Withdrawn”.

Your data is only shared as part of an active data sharing agreement, and you can withdraw your consent to share your information at any time.

You can  withdraw your consent to share your data at any time. Follow these steps to remove a service:

For accounts in one name only. 

• Login to Internet Banking and navigate to Services > Sharing. A list of existing or previous data sharing agreements will display.
• Select “sharing” of the agreement you wish to withdraw your consent from.
  Scroll to the bottom and select “withdraw”.

For joint accounts:

• Login to Internet Banking and navigate to Services > Sharing. A list of existing or previous data sharing agreements will display.
• Select “sharing” of the agreement you wish to withdraw your consent from.
  Scroll to the bottom and select “withdraw”.
• A proposal will be created and sent to the other joint account holder.
• The data sharing can be withdrawn if the other joint account holder approves the request.

If you have any questions or require support please contact us on 13 25 77.

The Consumer Data Right (CDR) is an economy-wide reform that puts your data back in your hands. It means you can share your confidential data securely, with the businesses you choose, for use as you choose. It makes it easier for you to:

• compare products and services,
• access better value and improved services, and
• manage your finances and cash flow.

It enables consumers to share their data with accredited providers via a simple, secure and easy to use automated process.

CDR will first apply to the banking sector, however, will apply to utilities sectors in the future.

CDR provides a range of rules and safeguards to ensure your data is protected.