Getting started If you don’t bank with us, you can open an account in the app. To use the app you’ll need Android OS 4.4 or above and have your phone’s language set to English & region to Australia. If you have Android OS below 6.0, to use the app we’ll need access to a few permission for things like: • Contacts, so you can pay to a mobile number • Location, to help us find your nearest ATM