At Finch, our mission is simple: financially empower Australians through beautiful user experiences and data intelligence.
Finch launched in 2017 with the aim of making personal finance better by reimagining the customer experience. What began as a consumer app, has today become a platform that offers the tools to help banks, businesses and financial services build their vision of a financially empowered Australia.
Meet the team
CO-FOUNDER & CMO
Toby Gardner (CFA, MBA)
CO-FOUNDER & CEO
HEAD OF ENGINEERING
PRODUCT & MARKETING ASSISTANT
SENIOR SOFTWARE ENGINEER
Frequently Asked Questions
- Sign up
- Pay & Request
- Bank Transfers
- Bank Account & Cards
- Settings & Security
You can download Finch on your mobile phone from the Apple Store, Google Play Store or get invited by a friend. Once downloaded, click “Get Started” to Finchin.’
To keep your Finch account safe and linked to your mobile phone number, we send you a 6-digit passcode via text during sign up for authentication.
Text messages can sometimes experience a delay in delivery. Wait a few minutes and tap “resend code”. If you still haven’t received the code after multiple attempts, contact us here.
For your security, passcodes are only valid for a limited period of time. To generate a new code, please complete the sign-in process again.
When you sync your contacts with Finch you’re simply allowing the app to find your friends easily from your contact list on your phone. We do not send anything to your contact list without your permission. For example, if you wanted to pay your friend Jane – by syncing your contacts you can simply type in Jane’s name when you make the transaction.
Make sure you are running the latest version of IOS or Android. You can check your current version in your settings.
Finch is currently only supported within Australia. If you’re receiving an error when attempting to log in from within Australia, here’s a few things you can try:
Make sure you’re running the latest version of IOS or Android
Make sure you’re not using a VPN
Check your network connection. If you’re connected to an office or school network, try connecting to a different network or turning off Wi-Fi completely
Preferred Name is your name as it appears for friends and contacts (and on the activity feed). You can change this at any time and it doesn’t have to be the name on your bank card.
Your username is @handle you can share with your friends as an alternative way to find you. Both names are searchable.
Paying or requesting money, splitting bills, running tabs, or making bank transfers on Finch is always FREE. We waive transaction fees when you send money using your Finch balance or your debit card. Otherwise, if you want to send money using a credit card our standard 2.4% applies.
You’ll always be notified when adding a card with a fee, and you can double check any cards that you’ve added in your Settings > Banks & Cards.
Payments from friends should appear instantly in your Finch Account. If there’s a delay from someone using a credit or debit card, there’s a possibility that the payment has not cleared. If this is the case, we’ll reverse the payment, and you should see it in your account immediately. You’ll be notified immediately in your “FYI” section in Notifications.
Finch will send a text to your friend notifying them of your payment. Make sure your friend downloads Finch using the same phone number you paid to ensure they receive the money. Maybe send them a text too, just in case they missed it.
Please note: If this person hasn’t joined within 30 days, we’ll send you a notification and automatically credit your Finch balance.
Everyone starts out with a $250 weekly rolling limit. This means the combined total of all payments can’t exceed $250 in a 7 day period.
Finch is required by Federal law (AML/CTF Act) to collect information to verify your identity. Once your identity information has been provided, your limits are:
Sending Funds – $1,500 weekly rolling limit
Bank Transfers – $1,500 weekly rolling limit
If you’re in the app please follow the instructions below:
1. Tap the “Finch” icon in the upper left hand corner of the app
2. Tap “Cash & Cards”
3. Tap “Add Bank Account” and follow the instructions
Depending on your bank, you’ll be prompted to add your online banking username and password.
As an added layer of security, Finch connects to your bank in order to do an “Instant Account Verification” – it’s a more secure and convenient alternative than entering BSBs, while maintaining a link to your account for Finch bank transfers and financial insights.
We don’t store any of your log-in details or BSB information at all.
Be nice… If you receive a payment from someone you don’t know, wait a few days in case they cancel the transaction with their bank. After that, you can simply return the payment to the user with a note explaining that they paid the wrong person.
The funding source and payment amount can’t be changed once a payment has been sent. The moment you send a payment in Finch, the funds are authorised to be withdrawn from your funding source.
Please see section Bank Account and Card on how to update your primary funding source, so that the correct payment method is debited for next time!
Please check your available balance and expiry date before trying again.
Unfortunately no – the moment you send a payment in Finch, we send a request to your bank/card company to debit the funds and make them available to your friend.
To get the funds back, simply have your friend send you a payment for the same amount, and you can transfer those funds back to your bank account… make sure you ask nicely.
Please note: If your payment was to a new user and they haven’t joined within 30 days, we’ll send you a notification and automatically credit your Finch balance.
Send them a payment “request” for the same amount you “paid” with a note explaining the mistake.
We’ll send automatically reminders for you, but if you don’t hear back from them after two weeks, feel free to contact us here. We’d be happy to help!
While we love seeing your fun social pics we completely understand your desire to keep some of your payments private. To set ALL your transactions to private, go to “Settings” scroll to “Social Activity” and select “Me only”. Or you can do it as you go: simply click on the lock icon (bottom right) when you’re making a payment or request.
Select either “Friends” or “Me” and you’re all sorted!
Unfortunately, new user promotions can only be used once. Promotion codes and referral rewards cannot be used together. To receive a referral reward every time you invite a friend, make sure they use your unique code/link instead of one-off promotion codes.
That way, you’ll receive $5 when they sign up and make their first payment!
New users: If you’ve entered the promotion code correctly and still haven’t received credit, this may be due to promotion campaign limits and expiry dates.
Existing users: Check that the promotion code applies to existing users. Some promotion codes apply to new users only.
No. You can only qualify for a referral reward when you share your referral code.
Yes! Feel free to share a promotion code to get your friends on Finch. However, not all promotion codes are the same, so please be aware of redemption limits and expiry dates.
Tap on Settings, Redeem Code and enter your code.
This code is generated from a promotional campaign which may have redemption limits and expiry dates. Eg: COMEDY5.
Yes! If your friend is new to Finch, they will receive $5 when they make their first payment. However, you will no longer qualify for the $5.
Make sure your friend is a) new to Finch b) downloads Finch using your referral code or personal link and c) makes their first payment. Once they do this, you will both receive $5.
Yes! For all new users who download Finch using your referral code, you will both receive $5 when they make their first payment.
Tap Friends, then Invite Friends.
Head to Friends in your navigation bar and select Invite Friends button.
Referral code: This code is generated from your user name so that you can invite your friends to Finch. Eg: ANNA.
Promotion code: This code is generated from a promotional campaign which may have redemption limits and expiry dates. Eg: COMEDY5. Promotion codes can be redeemed in Menu, Redeem Code.
On the main dashboard, tap Add Group Bill, then Create Group. Give your group a name, picture and start inviting your friends!
Groups is best used to track shared expenses between friends. Think travel mates, house mates, work mates, best mates! You can simply add to the tab now, then split and settle later. Groups is also perfect for travelling as it includes a currency converter and offline features.
Yes! Simply go to your Group, Settings and Share Group Link. Select a channel (Facebook, WhatsApp, Email). A pre-populated message will appear in the channel ready for you to share!
Waiting for some funds to come through? There are a couple of things you can do…
You can settle transactions separately within a Group. Simply scroll down to find the transaction you want to settle and tap “Settle Up”. Alternatively, you can even out the costs by adding your own group expenses to the tab.
Ask your friend to mark the payment as ‘Paid outside of Finch’ in the app. All they need to do is:
1. Open the group
2. Tap the ‘settle up’ button next to your name
3. Tap the ‘pay outside Finch’ check box
4. Tap ‘pay’ button
5. Confirm by tapping the ‘yes pay’ button
…the outstanding balance will update automatically.
Yes! When you share your group link with a new user, you will both receive $5 when they make their first payment. Remember, it must be a payment (Pay/ Settle Up) not a group entry.
Make sure your friend is a) a new user b) downloads Finch using the group link in your invite and c) makes their first payment (Pay/ Settle Up). Once they do this, you will both receive $5.
The referral reward limit is $150 per person.
Add your card if you wish to make a payment.
Payments are made when you send money to your friends on Finch. All payments made using your Finch wallet or a linked debit card is free. We’ll always try to complete the payment using the balance in your wallet first, however, if the balance isn’t sufficient we’ll use the card you’ve linked. If you’ve chosen to link a credit card, a standard 2.4% transaction fee applies.
Add your bank account if you wish to cash out money from your Finch Wallet.
For your security, withdrawals are made to a nominated bank account (not your linked card). You can change or remove your bank account at any time.
1. Transfer Finch balance to bank account
Once you’ve added your bank account and we’ve verified it, you can make free and secure bank transfers.
In the app
1. Tap “Cash Out” on the main dashboard
2. Enter the amount you’d like to transfer to your bank and tap the blue “Next” button
3. If you haven’t cashed out before, you will be prompted to add your bank account. You can select one of the two cash out options:
- “Connect bank account” – log in to your bank directly to securely connect your account
- “Manual entry” – you know the drill, enter your BSB and Account Number. Please make sure you double check your entry to avoid delays
4. Once you’ve added your bank account and we’ve verified it, you can cash out by taping the red “Withdraw Funds” button to complete free and secure bank transfers.
For your security and protection, Finch will verify your credentials with your bank. Depending on your bank, you’ll be prompted to add your online banking login details to establish free and secure bank transfers. Finch never stores this information and uses bank-level SSL protection.
2. Add a bank account
To change or link another bank account in the app please follow the instructions below:
1. Tap the “Finch” icon in the upper left hand corner of the app
2. Tap “Accounts”
3. Tap “Link bank account” and follow the instructions
It’s possible your bank may have back-dated the transfer to an unexpected date. We recommend checking your bank statement within a range of two days around the expected arrival date displayed. You should see something along the lines of “FINCH” on your statement. If you’re still not seeing the funds in your bank account, let us know here.
For a super fast sign up process, we limit the information you need to provide us. This is so you can start testing Finch as soon as possible! However, for your security, funds must be in your Finch wallet for 24 hours before you can cash out. After your first 7 days on Finch, you’ll be able to withdraw funds automatically.
If you’d like to lift the limits instantly within your first 7 days on Finch, you can choose to verify yourself.
To verify your identity, please follow the instructions below:
- Tap “Cash out” button from your main dashboard
- Tap on the “i” icon next to the Available funds amounts.
- Select “Verify” option and follow the instructions to lift the limits instantly.
When you initiate a bank transfer in Finch, we’ll show you the estimated arrival date upon completion.
Bank transfers submitted before 2PM AEST will typically reach your bank account the next business day. However, all withdrawals are reviewed by us and may be delayed or blocked if we identify a problem. Bank transfers will not be deposited on weekends or bank holidays.
To confirm receipt of a bank transfer, please make sure you check your bank account statement to see if the transfer has been processed and deposited into your bank account.
If you’re unable to locate your bank transfer after 3 full business days (weekends and bank holidays are not business days), please contact us here.
For a list of federal and state holidays that apply to most banks, please see here.
For your first 7 days on Finch, your cash out limit is $200. For the next 7 days, your cash out limit is $300. The cash out limit does not roll over – that means even if you didn’t cash out in your first week, you will still only be able to cash out $300 in your second week. To learn more about limits, or how to verify your identity, please see Payments and Requests. As noted in Finch’s User Agreement, these limits may change from time to time at Finch’s sole discretion.
Unfortunately, we’re unable to expedite the process. Once you initiate the transfer, the funds leave our system and get sent to your bank for processing. For more information about when you can expect to see those funds, please see section Bank Transfers.
At this time we can only send funds to a checking or savings account directly. Although your debit card is linked to a checking account, you’ll have to sign in to your online bank account through our secure bank transfer link to send funds there.
For more information about how to add your bank account to your Finch account, please see section Bank Transfers.
Finch supports the majority of Australian banks and we’re always working on adding more. If you can’t find your bank, please let us know and we’ll get you set up manually
At this time, only one debit or credit card can be linked to one Finch account. This requirement is in place to help prevent fraudulent transactions and protect the financial security of our users.
However, it is possible if you share a bank account – for you to make a bank transfer to the same account if you wish.
If you run into a situation where you’re unable to add a funding source that’s already linked to another Finch user, feel free to contact us and we can help.
No. NPP is currently not available to private businesses, only Australian banks.
Finch was made with love in Australia! It’s not available anywhere else in the world… yet.
In the app, head to your Settings > Cash & Cards, where you should see a list of the bank accounts and cards that you’ve added to your Finch account.
Finch performs a temporary card verification hold of $1 for all newly added credit and debit cards. This amount never actually leaves your bank account, it’s held for a short time and returned to you within 5 (business) days. We do this for every new card added to your account. For security purposes, you can’t add more than 2 cards in a 48 hour period.
It’s important for us to verify your account in order to avoid any fraudulent and unauthorised usage of your card and information. If you haven’t added a card to your Finch account, please check with your bank immediately for unauthorised activity. If you need further assistance, please contact us at firstname.lastname@example.org. We’ll be more than happy to help!
No, Finch has a strict one account per device rule, any accounts registered to an existing device without prior consent from Finch will be blocked immediately. You can contact Finch for consent at anytime at email@example.com
Protecting you and your personal account is important to us. Therefore at times, we may ask to confirm your identity to ensure compliance with our User Agreement. All requests for account verification will be made via Finch’s official support email address at firstname.lastname@example.org.
Finch uses bank-level security and 256-bit encryption for all card and bank transactions. We never store your card or bank information and comply to the highest Australian security and financial regulation standards.
As another layer of security, Finch uses the latest biometric ID and PIN security within the app, which you can find in your “Security & Settings”. By enabling this feature, the app will ask for your PIN or thumbprint every time the app is opened.
We don’t store your card or bank account numbers. Users are encouraged to use 2-factor authentication to access their accounts for additional levels of security.
In order to get value from Finchsights, you will need to connect a bank account to see your spending insights. This can be completed either through your existing bank link or a new one.
To keep your bank account secure, we’ve partnered with Yodlee, a globally trusted technology partner who secure over 70 million accounts with 12,500 banks around the world. That means when you link your bank account on Finch, you’ll go through Yodlee. We don’t store your information, we can’t access your account, or approve payments or funds.
If you are receiving this message, please contact your bank directly and verify your account details. Once you have done this, open Finchsights and tap “Sync Account” to refresh your account.
Finchlink allows you to split a bill directly from your bank feed, which means the transaction will appear exactly as it does on your bank account.
Simply head to your recent expenses, tap the transaction your mate owes you money for, hit request and select their name. If multiple people owe you money for the same transaction, you can select all of your mates and hit ‘done’.
Favourite merchants will show you how frequently you’ve visited a merchant and how much you’ve spent there in the last 30 days. Want to compare your spending to other Finchers? Tap on #1 to see how you stack up!