Frequently Asked Questions (FAQ’s)

Once you submit your bill payment, the funds will be instantly debited from your account. Depending on the bill payment company's processing policies, the payment may take up to five days to process.

To be able to pay a bill, your payee must be an institution that subscribes to Victoria Mutual's bill payment service. This list of companies continues to grow on a regular basis. We also accept suggestions for new billers through our Member Engagement Center.

All payments and transfers can be made in one go with VM Express Online. That is, there is no need to create a biller/beneficiary before doing any transactions. Simply fill in the required payee/biller payment fields and submit! Once the payment is completed, you can save it as a template for future use.

There are no charges to our members for online bill payments. VMBS does however reserve the right to make adjustments to the pricing for which you would be notified in advance

No. To use VM Express Online, you must enter your VM Express Online username and password. Unless you reveal these details to someone else, only you can access your account information.

VM Express Online is committed to your security. In the unlikely event that unathorized activity occurs, notify VM immediately and reset your password through the website.

With VM Express Online, your security is our priority! We have improved our security features with the use of security tokens in the form of SMS tokens and Push notification tokens. By default, once you have registered for online banking, you will be assigned an SMS (text message) token. This token is a code that is sent to your mobile number (the number you registered with) each time you need to authorize transactions and events. Push notification is another token type. When conducting a transaction/event, you will receive a 'pop-up' message to your device to authenticate with the following options 'Accept' 'Decline' 'Dial bank'. To get the push notifcation token, you must first download the mobile app and register your mobile device. Registering your device is necessary so that it can be recognized as a safe device to receive the push notification.

On the VM Express Online homepage (insert link), please select "Having trouble logging in?"
Fill in the required information in the relevant fields and Submit.
Enter the code sent to your mobile device.
Create a new password, using the password requirements as a guide
Confirm your new password
Welcome back to VM Express Online

Due to our improved security, our VM Express Online password is set to never expire.
If you would like to change your password however, you can do so through the Change Password or Reset password feature.

Login to VM Express Online
Under 'Self Management', click 'Change Password'
Fill in the required fields
Enter the verification code sent to your mobile phone and submit

Under "Self Management", Manage Devices is a feature that can be used to make your mobile banking experience even more convenient.
When you register your device using this feature, you can log in to the app using your fingerprint or PIN.
Registering your device also means that you can authorize transactions via push notifications or "pop-up messages".
You can also set up your Alerts Delivery Settings to receive alerts via push notifications.

VM Express Online lets you update your username whenever you want to. Here's how:
Log in
Self Management
Change Username
Enter New Username
Click Submit
Enter the code send to your device.
Confirm new username

VM Express Online lets you update your username whenever you want to. Here's how:
Log in
Self Management
Change Username
Enter New Username
Click Submit
Enter the code send to your device.
Confirm new username

Yes you can! You can customize the names of all your accounts and even set the access level for each account.
Log on to VM Express Online and Select the 'Self Managemetn' menu option
Click 'Manage Accounts'
Select the account you wish to edit
Fill in the Nickname field with your preferred name
Click Submit
Enter the verification code sent to your mobile number
Confirm your new account name

When you have completed a transaction on VM Express Online, you will see an option to 'Save transation as a template'.
This feature allows you to save a transaction for future use.
Once you have saved the transaction by a name of your choice, it will show up in the list of transaction types under "Choose a Template".
Templates do not require authentication via SMS or push notification.
Therefore, once you select a template that you have saved, all you need to do is ensure that the amount and account details are correct and submit

Enjoy banking at your fingertips with the VM Express Online mobile app.
For Android users, visit your Play Store app and search for VM Express Online.
Download the app and login.

Enjoy banking at your fingertips with the VM Express Online mobile app.
For Android users, visit your Play Store app and search for VM Express Online.
Download the app and login.

VM Express Online mobile app allows you to do the same activities you can do on the VM Express Online website including:
View your account balance and account details information
View your recent transactions
Own account transfers, Domestic transfers, International transfers
Bill payments

In order to access the VM Express mobile app, you must be enrolled in VM Express Online. If you currently have VM Express Online, you are ready to use the VM Express Mobile App immediately.

You need a smart phone with a data plan or WiFi access and you need to be registered for VM Express Online banking

If your smart phone has internet access then you can access 'VM Express Mobile'. Please visit our website for all supported phones.

Yes, internet connection is required to use the app.

You can register multiple devices however, push notifications to authorize any transactions/events will be sent to the first registered device. You will also be able to login using fingerprint/PIN on all registered devices.

If your device is lost or stolen, log in to the VM Express Online website *insert link* and unregister the device.
To do so, go to the Self Management tab, click Manage Devices and select the option to delete your registered device.
Once you have done so, verification codes to authorize transactions will be sent via text message.
Please note that if you do not provide us with a new mobile phone number, all text messages will be sent to the existing number on our records.
To change your mobile number, please contact the Member Engagement Centre.

On the Self Management tab on the homepage menu, select 'Manage Beneficiaries'
Select Beneficiary Type (Domestic, Intrabank, International)
Fill in the required fields and click Submit.
Enter the OTP sent to your device to confirm your beneficiary.
Remember, you do not have to create a beneficiary before you can make a payment or transfer.
Simply fill in the required fields for the payment/transfer type selected, and proceeed.

With the new VM Express Online, you can transfer to your iSave for Home account even outside of the maturity period.
This is not available to other fixed or time accounts.
For more information, visit the nearest VMBS branch or contact the Member Engagement Center.

With VM Express Online, you can create standing orders or repeated transfers.
In creating any payment type or transfer, select 'Repeated transfer' from the list of options
Set the date that your want the transfer to begin
Set the frequency at which you want the transfer to occur
Select the date that you want the repeated transfer to end
Submit

From the 'My Money' menu option, click 'My Portfolio'
Select the account that the bill payment was taken from
On the ""Active Transactions"" tab, click the 'X' to delete the transaction
Confirm deletion of the payment

From the 'Self Management' menu option, click 'Manage Beneficiaries'
Select Edit an Existing Beneficiary
In the dropdown to 'Select an Existing Beneficiary', click the 'X' next to the beneficiary that you wish to delete
Confirm the beneficiary delete

The daily limits for online transactions are displayed on the "Daily Limits" page under the "Self Management" menu.
To define your own limits within the banks' default limits:
From the "Self Management" menu tab, Select "Daily Limits Self Management"
Select "Define my own limits"
Edit the fields to  set your own limits and click Submit

From the 'My Money' menu option, click "My Portfolio"
Select the account that the funds transferred was taken from
On the "Active Transactions" tab, click the 'X' to delete the transaction
Confirm deletion of the payment

Please ensure that you copy the correct code from your device. If it is still not accepted by the system, please contact our Member Engagement Center for help

The token code is sent to the mobile number that you would have provided to us when you became a VM member. If your mobile number has changed since then, you must update it by contacting Member Engagement or visit your nearest VMBS branch.

To Transfer funds to Scotia bank, enter the Branch Number and the account number in the account number field with no spaces or dashes when doing the transfer.

To make a payment to an international institution, it must be an institution that is listed with Victoria Mutual. This list continues to grow on a regular basis.