Help & support for mymo

mymo by P&N Bank is a free budgeting app that allows you to see all your bank accounts – from P&N and other financial institutions – in one place.

With mymo, you'll get insights into your spending, bill reminders, and tools to create budgets and track your everyday spending, making it easier to stay on top of your finances.

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

mymo by P&N Bank in the App Store

mymo by P&N Bank in the Play Store

You can register for the mymo app in just a few minutes.

1. Download the app from the appropriate app store.
2. Open the app and tap on the Register/Login button to begin the registration process.
3. Review the app's terms and conditions and click Accept to continue.
4. Connect your P&N Bank membership by following the prompts to log in.
5. Set up your biometrics or secure password to login.
6. Answer a few quick questions so we can personalise your experience.

Once registered, your main dashboard will display a comprehensive overview of all your P&N accounts and their balances.

You can easily see all your accounts in one place my mymo:

1. Select 'Connect accounts' displayed on the main dashboard. You can also add accounts from different financial institutions within the app settings.
2. 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 (how long mymo can access your data from other financial institutions) and confirm what data you're happy to share. 
4. Different financial institutions may require different verification processes for linking accounts, but all will require a one-time password (OTP) to be entered. Once completed, select the accounts you'd like to link.
5. The accounts will sync with mymo. Once the sync is successful, you'll receive a notification letting you know when the accounts are fully available to view.

You can link transaction and savings accounts, credit cards, and home and personal loans from any Australian financial institution into mymo.

It transforms your transaction data into valuable financial insights that can help detect future bills, automatically categorise transactions, and more.

mymo can also let you know in advance if there isn’t enough money in your account to cover your upcoming bills.

Yes, you need to be a P&N Bank customer 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, why wouldn’t you join our customer-owned bank? And opening an everyday or savings account online is quick and easy.

P&N Bank is an Accredited Data Recipient (ADR), governed by the Australian Competition and Consumer Commission (ACCC). We're required to adequately protect your Consumer Data Right (CDR) information from misuse, interference, loss, and unauthorised access, modification, or disclosure – making it a safe and secure way to view and track your accounts all in one place.

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

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

Select the transaction you want 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 for better organisation and searchability,
  • exclude it from tracking so that certain transactions won't be included in budget calculations, 
  • add a note to a it, or
  • create it as a recurring bill.

If a transaction is excluded from tracking (using the 'exclude from tracking' toggle), you have the option to select just one particular transaction or all current and future transactions.

You can also customise your dashboard by rearranging, adding, or removing widgets. Simply drag and drop the different elements up and down the list.

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

For more accurate tracking and to help you effectively manage your expenses, you can sync your budget period with your pay cycle.

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

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

1. Select 'Find bills for me' on the main dashboard. Then, select the + sign to add a bill. 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 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 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 manually enter in a 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 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're 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 deposit – may not require a timeframe at all.

You can easily see all your accounts in one place my mymo:

1. Select 'Connect accounts' displayed on the main dashboard. You can also add accounts from different financial institutions within the app settings.
2. 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 (how long mymo can access your data from other financial institutions) and confirm what data you're happy to share. 
4. Different financial institutions may require different verification processes for linking accounts, but all will require a one-time password (OTP) to be entered. Once completed, select the accounts you'd like to link.
5. The accounts will sync with mymo. Once the sync is successful, you'll receive a notification letting you know when the accounts are fully available to view.

To delete your mymo account:

1. Go to the dashboard and tap the cog icon at top right to access the settings.
2. Under 'Account ownership', select 'Delete mymo account'.
3. Read the information on the ‘What happens once you delete your user account?’ screen.
4. Tap ‘Delete my account’ to confirm. 

Your account and data will be deleted immediately, and you'll be 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 notification will be sent to the joint account holders informing them a sharing arrangement has been created.
• 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 notification will be sent to the joint account holder informing the arrangement has been withdrawn.

Any joint account holder may remove a sharing arrangement for a joint account. If the party that created the sharing arrangement withdraws consent this will withdraw consent for all accounts shared as part of that consent (including single accounts). If any other joint account holder withdraws consent for the joint account it it will only remove the arrangement for the specific joint account. 

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.

It enables consumers to share their data with accredited providers via a simple, secure and easy to use automated process.
CDR provides a range of rules and safeguards to ensure your data is protected.