Our online banking technology partner in Australia

For Australian clients, online platform technology and related services are provided by Sandstone Technology Pty Ltd. We are publishing this plainly because customers are entitled to know who builds and runs the software behind the screens they sign in to.

Sandstone Technology is an Australian company that supplies digital banking and origination platforms to banks, mutuals and credit unions in this country and overseas. The technology underneath our online banking, and the services that keep it running and secure, come from them. The bank is ours; the platform engineering is theirs.

Nothing about who holds your money changes. Your accounts are held with Charity Bank Australia, an authorised deposit-taking institution regulated by APRA and ASIC. Deposits are protected by the Financial Claims Scheme up to A$250,000 per account holder. Our lending decisions, our savings products and our complaints handling remain entirely ours.

What the partnership changes is how quickly the platform improves. Payment rails such as Osko and PayID, Confirmation of Payee, device-based authentication and the secure messaging service arrive as platform capabilities rather than as projects we would have had to build alone — which is how a bank our size can offer them at all.

Data handled through the platform stays subject to Australian privacy law. We remain the entity accountable to you under the Privacy Act 1988 (Cth) and to the OAIC for how your personal information is handled, and our arrangements with Sandstone Technology are governed by the outsourcing requirements APRA sets for regulated institutions.

If something in online banking is not working, raise it with us rather than with Sandstone Technology. A secure message inside online banking reaches our team directly, and if we cannot resolve a complaint to your satisfaction you can take it to the Australian Financial Complaints Authority.