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All LLL Savings Accounts can have Internet Banking*


Features of Internet Banking:

  • No fees or charges – at all.
  • View all your account balances and interest at a glance.
  • Transfer funds between LLL accounts and to other financial institutions.
  • Process BPAY® payments.
  • Regular/single future payment requests.
  • Update your address details.
  • One Time Password security protection.

Review ways you can assist in staying secure online and tips on Password security to enjoy safer and a more secure Internet Banking service.

Internet Banking is generally available for all new accounts, but if you are unsure you may call us on 1800 556 457 and we will check for you.

After signing in for the first time, you will need to select and memorise your own personal Password. You can also register for the free additional security option of the One Time Passwords token app and/or SMS.

For more information on Internet Banking, refer to our Terms and Conditions.


® Registered to BPAY Pty Ltd ABN 69 079 137 518

*Formally known as LLL@Home.

One Time Password

One Time Password (OTP) is required when undertaking certain types of transactions and activities via LLL Internet Banking. OTP is a unique six-digit code, used in addition to your Login ID and password, that provides an additional layer of security when accessing your account via LLL Internet Banking and/or LLL app.

The transactions and specific actions for which OTP is required follows:

  • Transactions to Non-registered Payees
  • New and Updated Personal Payee
  • Change Password
  • PayID Maintenance
  • Schedule Batch
  • Update Contact Details 

Should you require further information or assistance regarding OTP, please refer to the FAQs below or contact our helpful team on 1800 556 457.

Frequently Asked Questions (FAQs)

Our Terms and Conditions have been updated to reflect the requirements relating to OTP. Please take the time to review this documentation Terms and Conditions.

NEVER share an OTP with ANYONE. LLL staff will never ask you for your OTP.

What is One Time Password?

One Time Password (OTP) is a method of Multi Factor Authentication (MFA) used in addition to Login ID and Password. OTP is a single-use 6-digit security code received via SMS or an app authentication system on a device owned by the internet banking user.

OTP must be entered online within a limited timeframe and is required for access to a system and/or certain transactions or requests within the system.

What options are available to receive an OTP?

Mobile SMS is the easiest and recommended option for receiving an OTP. The SMS OTP must be entered within 5 minutes of requesting the OTP.

If you share a mobile phone, it is possible to use the same mobile phone number for multiple logins. However, please note if sharing a mobile that you will need to have the device with you if performing a transaction or request where the input of an OTP is required.

If you do not have a mobile phone or you have a mobile phone but you are located overseas or in an area of poor mobile coverage, the VIP Access app is the alternative option for receiving OTP. The VIP Access app is available on mobile phone, iPad or Android tablet. The VIP Access app provides an OTP security code that refreshes every 30 seconds.

Use of physical tokens for OTP are no longer supported by LLL Australia. If you are still using a physical token, please contact us to discuss moving to either SMS or VIP Access app technology for OTP.

Why do I need OTP?

OTP helps to increase the security of your online banking. With the significant increase in activity by fraudsters and scammers, OTP helps protect your funds from unauthorised access.

When will I be prompted to use an OTP in LLL Internet Banking?

OTP is required for the following:

  • Change Password
  • Update Contact Details
  • New and Updated Payees
  • Payments to Non-Registered Payees (i.e., a Payee manually entered instead of selecting an existing Payee)
  • Manage PayID
  • Schedule Multiple Transfers (i.e., batch file payments typically only used by business clients)

Are all LLL Internet Banking users required to use OTP?

OTP is required for LLL Australia depositors who require a full access login to LLL's Internet Banking. If you require "view only" access, OTP is not required. Please contact LLL to request "view only" access if this is suitable for your needs.

Who can I contact if I have any further questions about OTP?

Please contact our helpful team on 1800 556 457 if you require assistance or have further questions.