Frequently Asked Questions.underline
Looking for more info? Here are some things we're commonly asked.
What is Clever?
We are a bit like a bank but not a bank. We help you loop all your accounts and financial providers into one place, request payment (soon to make payment) with the perks of a credit card.
Rex is the heart of the app. Rex is the smart financial assistant who dedicates to fighting your corner, manage and grow your money for you.
Clever exists to help you create a healthier relationship with money and make smarter decisions.
How does Clever work?
It’s easy peasy. Simply connect all your bank accounts using your internet banking credentials then Rex will retrieve your data, show you your top spending activities and find where you can save. Had a big night out and a mate owes you some money? Rex can also request a payment for you to avoid the awks.
Also, our app is pretty awesome with a marketplace that gives you cash back for every purchase, a money hub that connects you with financial advisors and many other unique features.
Is Clever secure?
Your security is our top priority. Your transaction data is retrieved in read-only mode meaning that Clever can only view your encrypted historical transaction data.
We need you to enter your login credentials so that you can establish a secure connection with your bank or credit card company. For this, we use a banking provider called Basiq that handles the connection to your financial institution.
All of your banking details are handled by Basiq, using the latest security technology to securely connect to nearly 200 financial institutions in Australia.
So, why is Clever awesome?
From the very start, we’ve put in all efforts to make it dead simple to use, and more importantly we speak in your language. Our tone of voice, branding has made finance more relevant and simpler for everyone.

We are the first independent fintech that brings you Australia’s NPP payment technology where you can connect your PayID and have your money instantly in your bank accounts.

And did we mention Rex (they/them)? They are simply awesome🌈
Still have questions? We can help!
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Applying for an account is free and takes less than 2 minutes with no impact to your credit score.