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Essential Workers: 5% Cash Back on Groceries, Public Transport, Bill Payments - up to $250 Per Year @ Hiver Bank (Existing Cust)

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Essential Workers: 5% Cash Back on Groceries, Public Transport, Bill Payments - up to $250 Per Year @ Hiver Bank (Existing Cust)
Go to Deal
sicinadan on 01/05/2022 - 13:48 hiver.bank (5242 clicks)
Last edited 29/08/2022 - 17:05 by 4 other users

Important update to the terms of this offer:

Effective Saturday, 27 August 2022 the 5% cash back offer has been withdrawn from market for all new Members who join from that date.

Existing Members who joined on or before 26 August 2022 will continue to enjoy 5% cash back until 5pm EST Wednesday, 7 September 2022 for everyday essential purchases.

https://hiver.bank/learn/faqs/#About-Hiver-accounts - Has the Hiver cash back offer expired?

Hiver Bank is a division of Teachers Mutual Bank
essential workers in education, health & emergency services plus students & graduates of an Australian university who want to support the essential worker community.
Fee-free banking

plus

Hiver members will earn 5% cash back for every dollar spent (less refunds and excluding cash advances, cash withdrawals, other cash-related transactions, interest charges, fees, credit or debit adjustments) on the following categories: Grocery purchases (classified by Visa's 'Merchant Category Code' as 'grocery stores and supermarkets' MCC 5411; 'Freezer and Locker Meat Provisioners' - MCC 5422; 'Candy, Nut and Confectionery Stores' - MCC 5441; 'Dairy Products Stores' - MCC 5451; 'Bakeries' - MCC 5462; 'Miscellaneous Food Stores - Convenience Stores and Specialty Markets' - MCC 5499), Public transport (classified by Visa's 'Merchant Category Code' as 'commuter transport and ferries' - MCC 4111; 'passenger railways' - MCC 4112; 'bus lines' - MCC 4131), Bills (classified by Visa's 'Merchant Category Code' as 'Telecommunication Services' - MCC 4814; 'Utilities' - MCC 4900), Uniforms (classified by Visa's 'Merchant Category Code' as 'Uniforms, Commercial Clothing' - MCC 5137; 'Commercial Footwear' - MCC 5139) up to a maximum of $250 per calendar year. Cash back will be deposited into the member’s Everyday account in the first five days of a new month. This offer may be withdrawn or changed without notice.

Forum Post: Hiver - Where Can You Get Cashback?

Financial Bank Account Cashback Transaction Account

Related Stores

Hiver Bank
Hiver Bank

closed Comments

  • abc on 01/05/2022 - 20:28

    reading this, Hiver started mid last year - with a 1% cashback. Wonder when this was increased to the current rate and given it’s now been posted on OzBargain, how long this CB rate will last?

    Surely it won’t be 5% for long?

    • aneil915 on 01/05/2022 - 20:33
      +3

      Changed from 1% to 5% on the 22nd of February according to their Facebook page

    • abc on 01/05/2022 - 20:34
      +2

      Might go back down after this post haha.

      • aneil915 on 01/05/2022 - 20:44

        Haha can just imagine them logging in tomorrow morning

      • bdl on 01/05/2022 - 21:06

        Or when people try and argue their Kayo and Binge subscriptions are groceries… :P

  • 0 0 0 on 01/05/2022 - 21:01

    Signed up - but how do I enable Google Pay?

    • bdl on 01/05/2022 - 21:05

      You have to wait til physical card delivered… :(

  • DoctorCalculon on 02/05/2022 - 00:34

    This offer may be withdrawn or changed without notice.

    It is 5% now, but they might downsize it to 1% later if too many people jumps onboard.

  • Stingo on 02/05/2022 - 00:38
    +1

    Not another app only thing. What the matter with these people? Or me?

  • leiiv on 02/05/2022 - 08:23
    +1

    Do they have any referral system?

  • Jatacid on 02/05/2022 - 09:04

    Google pay supported?
    edit: Ah yep - scrolled past it.

  • corepda on 02/05/2022 - 10:57

    Are students with TAFE in vic eligible?

  • kosh52 on 02/05/2022 - 11:11

    Joint accounts allowed?

    • hellwolf on 02/05/2022 - 17:21

      No, according to the FAQ they are not at the moment.

  • sclass on 02/05/2022 - 15:46

    I ticked the essential worker box on signing up and have successfully logged in. Is there a way to check that cashback will apply to me now?

    • DoctorCalculon on 02/05/2022 - 16:49
      +1

      You have to wait until the next month. This bank isn't like HSBC where you get to see the cashback instantly.

  • plastererJazz on 02/05/2022 - 20:29

    Does anyone know if shopping gift cards through woolie mobile/insurance website is eligible for the cashback? https://mobile.woolworths.com.au/

    • WookieMonster on 02/05/2022 - 20:34

      I’m fairly sure the gift card portal you access via Woolworths Mobile is hosted at https://giftcards.woolworths.com.au. If so, it should be eligible for cashback through this promotion.

      The main reason I say should is that the last time I checked, the Woolworths Group gift card portal had an MCC of 5411 (which is eligible for this promotion), but there is always a chance Woolworths Group changed the MCC since I last checked.

      • plastererJazz on 02/05/2022 - 21:08
        +1

        will give it a test

      • jwsc on 03/06/2022 - 17:30

        how did you check the MCC?

        • Miss B on 04/06/2022 - 18:44

          When the transaction has settled, click on it and it will show the MCC in words.

  • blueyez on 02/05/2022 - 21:50

    Trying to find places that fall into the right categories will drive me nuts ahaha - Up bank is bad at it atm

  • daanish on 02/05/2022 - 21:53

    Assuming ALDI falls under the 5411 MCC which I expect it should, has anyone seen whether the payments need to be made via credit/tap n pay or do we have an idea of them tracking via Savings payment at ALDI to avoid the payment surcharge for credit/tap?

    • DoctorCalculon on 16/05/2022 - 19:21
      +1

      Can't use EFTPOS. So, you have to eat that 0.5% surcharge for the 5% cashback.

    • Miss B on 04/06/2022 - 18:43

      Confirmed eftpos works, so can put it through as savings.

  • magster on 02/05/2022 - 23:12
    +1

    Would Strata and council be considered as bills? Or only things like water and electricity?

    • jwsc on 03/06/2022 - 17:30

      bump
      would also like to know

    • Miss B on 04/06/2022 - 18:42

      Strata and council will be unlikely to work. You could try a small amount, but I'd say 99.99% it won't work, some have tried and none have worked so far. It's only "Utilities" or "Telecommunication Services"

  • DoctorCalculon on 03/05/2022 - 10:04

    How would one go about transferring funds from a non-Hiver account directly to the SAVER account using BSB & Account Number?

    I don't think it can be done without setting up a PayID.

    • YesPleaseThankYou on 03/05/2022 - 10:17

      Did you read your welcome email?

      Your BSB and account number are shown in there.

      • DoctorCalculon on 03/05/2022 - 10:37
        -1

        Yes, of course I saw the welcome email. Your account number = member number.

        Did you actually notice that there is a letter within the account numbers for EVERYDAY and SAVER? Otherwise, they both have the same prefix which is the member number.

        • YesPleaseThankYou on 03/05/2022 - 10:39

          Did you actually notice that there is a letter within the account numbers for EVERYDAY and SAVER?

          Not in the welcome email, there isn't.

          • Miss B on 03/05/2022 - 20:25
            +1

            @YesPleaseThankYou: There are two accounts, but only one account number in the email. If you use the account number in the email it goes to the transaction account. They want to know if they can transfer directly from an external account to the savings account.

          • zbb518 on 08/08/2022 - 13:04

            @YesPleaseThankYou: If you go into the account details screen of the app or internet banking (browser) there is an account ref of 9 digits. Use this for transfer into Hiver rather than the digits before the S (which are actually your member number)

      • zbb518 on 08/08/2022 - 13:03

        If you go into the account details screen of the app or internet banking (browser) there is an account ref of 9 digits. Use this for transfer into Hiver rather than the digits before the S (which are actually your member number)

        • Stingo on 08/08/2022 - 19:34

          There is no 9 digit "account ref" that I can see. The digits before the S = member number are the account number of the Everyday Account. As Doctor Calculon wrote the only way to directly transfer to the Saver account is to link your PayID to it.

          • Stingo on 18/08/2022 - 03:28

            @Stingo: Was blind. Now I see! Have you used account ref instead of the member number for transfers into the Saver account?

    • Miss B on 05/05/2022 - 19:12
      +1

      In the app settings you can change the default payment account. Looks like you can choose the savings account instead of the transaction account.

      • DoctorCalculon on 05/05/2022 - 19:21

        Yes, I saw that afterwards.
        So, It is a single account, but internally it is setup as two sub-accounts (which are not directly accessible outside).

      • DoctorCalculon on 05/05/2022 - 19:25

        Funny thing I noticed. They let you set a nickname for the everyday account but not the saver account.

    • zbb518 on 08/08/2022 - 13:02

      If you go into the account details screen of the app or internet banking (browser) there is an account ref of 9 digits. Use this for transfer into Hiver rather than the digits before the S (which are actually your member number)

  • lawyerz on 03/05/2022 - 11:44

    Hmmm I didnt get the access code and I can't seem to log in after signing up. need to contact support ahhhh

    EDIT nevermind, it took a while to come.

    Anyone figure out how to add to google pay as it says "Start transacting instantly" - implying you dont have to wait for the physical card to arrive? Didn't find the option within the app

    • hellwolf on 03/05/2022 - 13:42

      There is a sentence somewhere can't remember if it is in the email or on the site when you join that says that initially you will need to wait for the physical card to start transacting.

      • bdl on 03/05/2022 - 22:18

        https://hiver.bank/learn/faqs/

        Getting Started -> "Once my account is opened, can I start transacting immediately?"

        *During the early days of Hiver, you will need to wait for your physical card to arrive before you can start transacting with your card. Don't worry, it only takes up to 7 days.

        You will still be able to make OSKO payments, make EFT & BPAY transfers as well as setting up direct debits from day 1.*

  • XJX on 05/05/2022 - 11:35

    Has anyone tried Sniip to see if the cashback works for the 'bill payment'?

    • WookieMonster on 05/05/2022 - 12:28

      Considering Sniip's MCC is reportedly 7399, I wouldn't expect any cashback from Sniip payments, but it is always worth a shot.

      I'd assume Beem It would be the same too.

      • XJX on 05/05/2022 - 13:13

        I saw that, but I'll give it a try and report back

  • bdl on 05/05/2022 - 14:26

    Card received in post today, metro melb

    • to get it to manage PIN stage I had to close app and re open
    • to activate on Google Pay I am prompted to call bank
    • bdl on 05/05/2022 - 17:08

      edit: I sent them a message through app and they activated Google Pay for me

      • Craze on 20/06/2022 - 22:22

        Thanks, I received card in the mail today and wanting to set up Google pay which prompted me to call bank (after hours). Have sent a message on app :)

  • tatasauce on 05/05/2022 - 16:00
    +1

    For those looking to add to Google Pay, you will be prompted to call their 1800 as verification method. Just send them a message via their app messaging instead, verified in no time.

    • hanofee on 05/05/2022 - 17:14

      I did that, they replied: I have to choose verification by SMS or email, when there's no such option :(. Their system is rather poorly built compared to other online bank, tbh

      • tatasauce on 05/05/2022 - 22:52
        +1

        I sent them this message :

        Hi, I'm trying to add my Hiver debit card to Google Pay. The only option given to proceed with verification is to dial the 1800 number. I dialed the number and none of the options corresponds to this and I wasn't able to speak to anyone about it. Can you assist with this? Thank you.

        And the reply within 30 minutes was :

        Thank you for patiently waiting.
        Your card is now verified to Google pay.

        Perhaps it depends on who is on the other side of the messages.

        The 1800 options were so limited, and the one I selected basically had a recorded voice telling me where to find the FAQs for answers, and then press something to hear it again, or press something to return to main menu. Should have a stay connected if you want to speak to someone. Not very helpful.

        • hanofee on 05/05/2022 - 23:20

          True. I sent a 2nd msg explaining that there’s no email/sms verification option. Only 1800 number to call but no options. Just checked, it’s activated now

        • jwsc on 16/05/2022 - 14:57

          lol the lady i asked about this to on the chat said the phone number doesnt actually have any option to speak to someone.
          basically just an expensive decoration…

  • sub102 on 05/05/2022 - 16:06

    Will I get 5% cashback if I pay car registration bill with this? HSBC doesn't allow government organization payments for 2% cashback

  • Miss B on 05/05/2022 - 18:57

    Their support is meant to be open until 7, but looks like they were closed by 6:30. Don't think anyone else will be able to add their card to Google Pay until Monday. The only thing they have going for them is the 5%, definitely wouldn't stay if it were no longer offered.

    • DoctorCalculon on 05/05/2022 - 19:11

      definitely wouldn't stay if it were no longer offered

      Haha! I think we will all go back to HSBC then.

      I don't think Costco, or Officeworks is covered.

    • Miss B on 06/05/2022 - 07:15

      Or I'm an idiot. I work only weekdays. I knew I was working the following day. Still somehow had it in my head that it was Friday. Not much of one, but in my defence, I am on holidays after today.

      • Stingo on 06/05/2022 - 11:55

        Sometimes it feels like a Friday whatever day it actually is. Enjoy your holidays without the fear of Mondays!

  • Stingo on 05/05/2022 - 19:36

    Does Paypal pass through the original MCC codes? Is that true for Pay in 4 as well?

  • plastererJazz on 06/05/2022 - 12:45

    Does Sydney Water count as a "Utility" MCC? nothing was found on their website.

    • souths123 on 13/06/2022 - 11:42

      it should, as it is a utility

  • bdl on 06/05/2022 - 15:16
    +1

    Looks like when you perform a transaction, if you go to the details of the transaction on the Hiver app you can see what Merchant Code it was classified under.

    I recharge my Launtel Account and it was classified as "Telecommunication Services".

    So, if in doubt, do a test small value transaction and see how it classifies.

    -
    Reamped Energy also doesn't accept the BSB of 812 812 - maybe it's too new?

    • Miss B on 07/05/2022 - 08:13
      +7

      Confirmed Woolworths gift card website is grocery stores, supermarkets.. Bought with Student Edge discount.

      Added both to forum post,
      trying to start a list of merchants where we can get casback.

      • adrianhughes1998 on 18/05/2022 - 02:29

        Wondering though that because MCC is stated as 3885 and not 5411 as stated in Hiver T&C's, will cashback still be received?

        • Miss B on 18/05/2022 - 07:37
          +1

          That's not the MCC. Not sure what it is, but all of my Visa transactions have the Acquirer as 3885 and there's a 10 digit number for the eftpos ones. They don't list the actual code, just the category.

          • adrianhughes1998 on 18/05/2022 - 08:51

            @Miss B: No worries thank you didn't know that 😊

            Fingers crossed we all get our cashback at the start of next month

    • dammit on 11/05/2022 - 07:18

      Have you managed to get reamped to accept it yet?

      • WookieMonster on 11/05/2022 - 07:34

        They did

      • bdl on 11/05/2022 - 12:38

        Yep, worked via credit card. I had a brainfart moment and forgot the BSB/direct debit from bank account option had nothing to do with Visa :)

  • Kara-Murza on 06/05/2022 - 21:51
    +2

    Anyone else having trouble signing up, with ID not verified? I tried tonight and didn't get verified, and my mate independently had the same problem.

    • nosrad on 06/05/2022 - 23:42
      +1

      same here

      • naruto128 on 07/05/2022 - 14:52

        Same here. Maybe cos the FAQ says must be Aust citizens to join.

        • nosrad on 07/05/2022 - 15:47

          I am Australian citizen, still no go

    • Indomie5 on 07/05/2022 - 14:54
      +1

      same

  • Miss B on 07/05/2022 - 08:45
    +10

    I've set up a forum post so we can track where you can get cashhback with Hiver. Will just have to see whether it goes anywhere.

  • Gotchas on 07/05/2022 - 16:13

    Do ATO Payments attract the 5% rebate?

    • SydOzber on 11/06/2022 - 17:57

      Interested to know as wel

    • YesPleaseThankYou on 11/06/2022 - 18:02

      Why would they? They are not in Hiver's stated categories.

  • CSC on 07/05/2022 - 20:33
    +1

    I'm a bit annoyed. I signed up and now it is only 1% and max $50.

    1. Hiver Members will earn 1% cash back for every dollar spent (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) on the following categories: Grocery purchases (classified by Visa's 'Merchant Category Code' as 'grocery stores and supermarkets' MCC 5411), Public transport (classified by Visa's 'Merchant Category Code' as 'commuter transport and ferries' - MCC 4111; 'passenger railways' - MCC 4112; 'bus lines' - MCC 4131) up to a maximum of $50 per calendar year. Cash back will be deposited into the Members Everyday account in the first five days of a new month. This offer may be withdrawn or changed without notice.
    • bdl on 07/05/2022 - 21:13

      …it still says 5%/$250 at point 6 at the bottom of https://hiver.bank/products/everyday/ ?

    • FujiFruit on 07/05/2022 - 21:39

      I got this email too about the 1%

      • bdl on 07/05/2022 - 21:52

        Was it in your signup email or a separate email after you signed up a few days ago? And did you qualify as an essential worker/graduate/etc?

        • FujiFruit on 07/05/2022 - 22:44

          I signed up the same day this deal was posted and got the email today and qualified as a graduate.
          The email today was “ Hi xxx get more from the Hive with these simple steps…”

          • bdl on 07/05/2022 - 22:54

            @FujiFruit: Wow, I missed that at the bottom of the welcome email. I can confirm the same text was on the bottom of mine. I wonder if it's an old template they are using?

            Will flick them a message to confirm.

            • DoctorCalculon on 08/05/2022 - 20:46
              -1

              @bdl:

              Wow, I missed that at the bottom of the welcome email

              Footnote #6 is not in the welcome email.

              It is in the email that was received around 3PM today, with subject: "Hi XYZ, get more from the Hive with these simple steps…"

              1. Hiver Members will earn 1% cash back for every dollar spent (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) on the following categories: Grocery purchases (classified by Visa's 'Merchant Category Code' as 'grocery stores and supermarkets' MCC 5411), Public transport (classified by Visa's 'Merchant Category Code' as 'commuter transport and ferries' - MCC 4111; 'passenger railways' - MCC 4112; 'bus lines' - MCC 4131) up to a maximum of $50 per calendar year. Cash back will be deposited into the Members Everyday account in the first five days of a new month. This offer may be withdrawn or changed without notice.

              I guess I am sticking with HSBC for now.

    • bdl on 09/05/2022 - 10:58
      +3

      I messaged them and they confirmed it was 5%

      • abc on 09/05/2022 - 11:19

        Be good to know how much longer it will last. I suspect they have a customer aquisition target.

  • HardQuiz on 08/05/2022 - 07:56

    So the 5% cash back isn’t sustainable after all.

    I thought my earlier comments will come true, but not this fast.

    • abc on 08/05/2022 - 10:51
      +3

      Maybe it was sustainable before it was posted to Ozbargain haha.

      • DoctorCalculon on 08/05/2022 - 20:47

        Yup yup yup! The hive has been OzBargained. :-(

  • Tsquared on 09/05/2022 - 06:24

    Before we speculate from the email, we should wait for their reply message to confirm whether it has changed to 1% because their website stills state 5%. Either they used an old email template or they had reached a cap of customers earning the 5%. For those who have made transactions, can check on the app what cashback they got.

    • sicinadan on 09/05/2022 - 06:56

      Cant check because cashbacks are not itemised, they just give you all your cashback in one go… which is not really helpful.

      Got my cash back from last month, still 5%.

  • magster on 09/05/2022 - 13:08
    +1

    I followed up with them on Facebook and confirmed it’s still 5%:

    Hi x, thanks for contacting us. Hiver members will earn 5% cash back for every dollar spent (less refunds and excluding cash advances, cash withdrawals, other cash-related transactions, interest charges, fees, credit or debit adjustments) on certain categories up to a maximum of $250 per calendar year. This offer may be withdrawn or changed without notice. To find out more about our cash back promotion, please visit our website hiver.bank and check out our FAQs. Thanks again! -BN

    Followed up by this comment:

    Hi x, are you able to send me a screenshot of the welcome message that mentioned the 1%? I can follow up with the team to get that corrected. -Tom

  • Dimeslots on 10/05/2022 - 14:20

    Anyone know if council rates payments are eligible for 5%? I cant find anywhere that says what MCC the payments will fall under.

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