Frequently asked questions: Multi user authorisation and privilege delegation
What is multi user authorisation?
A major benefit of the multiple account user and privilege delegation features is the ability for customers to enforce dual or multiple authorisations for account transactions online, as you would currently do with multiple account signatories in the offline environment.
What happens if the required number of Authorisers do not approve a transaction?
If an Internet Banking profile defines that more than one person must authorise transactions and requests on behalf of the customer, the following actions will be held in a pending state until authorisation has been completed:
any value transaction, including upload of a Payments File
any transaction limit increase or decrease
any delegation of authority to another User, and subsequent changes to Delegated User authority
If I am an Authoriser, how will I know when a transaction is pending authorisation?
Authorisers on the account can be notified of any pending authorisation requests via Secure Mail, Normal email, SMS and the notifications area on the Home menu.
Can there be more than one Authoriser on an account?
Yes. More authorisers can be created than the number of authorisers required to approve each transaction. For example, all four company directors may be defined as authorisers in the Internet Banking service, but only two of these four need to authorise transactions and requests at any time.
What types of account users can be created in Internet Banking?
Because an Internet Banking profile can have one or more people associated with it, different types of account users will exist. There are four types of people who can access Acounts through Internet Banking
a Customer with authority to operate on the account individually; or
a Related Account User, who is a signatory on the Account, has authority to operate on the Account individually, and has been granted Internet Banking access to the Account by both the Customer and the Bank of Queensland; or
an Authoriser, who is a signatory on an Account that requires more than one person to operate on the Account, and where Internet Banking access has been established for each signatory to the Account; or
a Delegated User, who has been granted Internet Banking access to the Account by a Customer, related Account User, Authoriser or another Delegated User.
Who can create a Delegated User?
BOQ customers, Authorisers and Delegated Users will be able to use Internet Banking to delegate access to one or more Delegated Users. The person who creates the Delegated User will also set the Delegated User’s Personal Access Code (PAC).
Is there an application form for Delegated Users?
No. The Delegated User will not be required to sign an authority or any other registration form as part of their set-up, however if they are given access to make value transactions*, they must satisfy the Customer Identification Requirements at a branch. The new Delegated User will have “view only” access until the Customer Identification Requirements are met.
The Customer (Account Holder) should consider carefully whether to allow Delegated Users to Delegate their Internet Banking rights. As the Account Holder you will be responsible for the actions of all Users accessing your Internet Banking profile, including Delegated Users.
* A value transaction is any transaction where an amount greater than zero is transferred from a nominated account.
What levels of user access can I give a Delegated User?
Customers/Authoriser/Delegated Users can choose from a number of different levels of access for each account and for each Delegated User:
| Access Level |
Definition |
| None |
No information will be displayed to the User. |
| View Only |
Can create payees, billers and payers but not execute payments. |
| Create No View |
Can setup payments for processing and is not counted as an authoriser and cannot authorise payments created by other users. Balances, pending payments and transaction history are not viewable. |
| Create View |
Can setup payments for processing but is not counted as an authoriser and cannot authorise payments created by other users. |
| Execute View |
Full access for account within limits and payment actions allowed. |
| Execute No View |
Full access for account within limits and payment actions allowed. Balances, pending payments and transaction history are not viewable.
|
Note: As new Access Levels have been introduced any existing levels will map as follows: None = none, View = Create View and Execute = Execute View.
If you wish to use these new Delegated User features you will be required to edit your existing Delegated User profiles via Internet Banking.
When I create/maintain the Delegated User Access Rights why can I only see three of my accounts listed?
The Manage Delegated User Access Rights screen defaults to displaying three accounts only. If you need to view more enter the number you wish to view in the field next to the 'Change List Size' label in the upper right of the screen and then click on the 'Go' button. The screen will refresh and the new number of accounts will be displayed.
Why do I see the word "Restricted" where the account balance is usually displayed?
The word "Restricted" is displayed for any accounts where the access rights for the account for the Delegated User contain one of; 'None', 'Create No View' or 'Execute No View'.
If your question is not answered by these FAQs or you have other questions regarding Bank of Queensland Internet Banking, please contact our Customer Contact Centre on 1300 55 72 72 (+617 3336 2420 if you are calling from outside Australia) or email us.
Products issued by Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.