in1bank has decided to discontinue its banking business. As part of this process, in1bank will be returning its customers deposits and will effectively hand back its ADI licence to the prudential regulator (APRA) once all deposits are returned to customers.
We would like to assure you that customer funds are completely safe, and customers continue to have access to them. in1bank customers must check that the Alternate Bank Account showing in their app is the right account they would like their funds transferred to. Customers need to confirm to us that their alternative bank account details are accurate. Please respond to an email we have sent you with your alternate bank account details, and confirm that these details are accurate. From 23rd January 2026 9am AEDT, once you have confirmed this is the right account, we will transfer any remaining balance in your in1account to your confirmed Alternate Bank Account and close your in1bank account. You may also transfer your funds in your app yourself. Please note that the in1bank app will no longer be in service, effective at 5pm AEDT on 5th February 2026.
As an Australian incorporated Authorised Deposit-taking Institution (ADI), certain deposits placed with in1bank are covered up to a maximum of $250,000 in aggregate, for each account-holder under the government backed Financial Claims scheme (FCS) should the Government declare the FCS applies to a particular ADI. If activated this scheme provides protection and prompt access to funds to depositors with ADIs in the unlikely event that the ADI cannot meet its financial obligations.
The key steps and timeline will be as follows:
Day of Return of Deposits announcement 22nd January 2026. Return of Deposits (ROD) period 23rd January – 5th February. The process will involve closure and transferring all Transaction Accounts (TA) funds to external nominated accounts with accrued interest. Term Deposits (TD) will be terminated with full payment of interest to maturity and transferred to TA accounts. The closure and transfer of TA accounts is expected to be completed within the following 14 days:
Customers withoffset accounts linked to their loan accounts, will have the option to transfer the offset balances to their loan accounts to reduce their loan balance. Alternatively, you can transfer the balances in the offset accounts to your accounts with other ADIs.
If you have any questions, please do not hesitate to contact us:
Media agent
Kind regards,
Per in1bank Ltd
尊敬的媒体朋友：
合壹银行已决定退出银行业务，退还所有客户的存款。并在完成所有客户资金退还后，将银行牌照（ADI）交还至澳大利亚审慎监管局（APRA）。
我们在此郑重保证，客户资金完全安全，客户可继续使用其账户资金。合壹银行客户需确认手机应用程序中显示的备用银行账户是否为希望接收资金转移的指定目标账户。请通过回复我们发送给您的邮件，确认备用银行账户信息的准确性。自2026年1月23日上午9点（澳大利亚东部夏令时间，AEDT）起，若您已确认账户信息无误，我们将把您合壹银行账户中的剩余资金转移至您确认的备用银行账户，并关闭您的合壹银行账户。您也可以通过手机应用程序自行进行资金转移。请注意，合壹银行应用程序服务将于2026年2月5日下午5点（澳大利亚东部夏令时间，AEDT）起停止使用。
作为澳大利亚注册的授权存款机构（ADI），根据政府支持的金融索赔保障计划（FCS），若政府宣布该计划适用于特定的 ADI，则客户在合壹银行的特定存款可获得保障，每位账户持有人在同一机构下的保障总额最高可达 250,000 澳元。该计划一旦启动，即可在授权存款取款机构（ADI）无法履行其财务义务的极低概率情况下，为存款人提供保障并确保其能够迅速提取资金。
存款退还的关键步骤与时间安排如下：
存款退还 (ROD) 公告发布于 2026年1月22日。存款退还程序将于 2026年1月23日至2月5日期间执行。此过程将涉及关闭交易账户（TA）并将其资金转移至外部指定账户，同时结清利息。定期存款（TD）即使尚未到期，我们亦将按其原定存期一次性支付全部应计利息，并提前终止该定期存款，随后将本金及利息一并转入您的交易账户。交易账户的资金转移与账户关闭预计将在接下来的14天内完成：
与贷款账户关联的对冲账户客户，可选择将对冲账户余额转入贷款账户以减少贷款余额，或将其转移至其他银行机构（ADI）的账户中。
如您有任何疑问，请随时通过以下方式与我们联系：
媒体联络人
此致
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合壹银行有限公司敬上
