# Connect a Bank Account

### Overview

To begin investing with CTRLSuper, you must link your existing SMSF bank account. We use the secure PayTo system, which allows you to authorise transfers directly from your own banking app without sharing your login credentials. This ensures you maintain full control over your funds.

### Before You Begin

{% hint style="info" %}

* You must have your **BSB and Account Number** or **PayID** handy.
* You will need access to your **mobile banking app** or internet banking portal to approve the connection immediately.
  {% endhint %}

### Steps

1. **Navigate to Bank Accounts**\
   From the CTRLSuper home dashboard, tap the **Settings** icon (the gear) in the navigation menu. Select **Bank Accounts** from the list of options.
2. **Add a New Account**\
   Tap the **+ Add Bank Account** button at the bottom of the screen.
3. **Enter Account Details**\
   Enter the Account Name as it appears on your bank statement. You may choose to connect via:

   * **BSB & Account:** Enter your 6-digit BSB and Account Number.
   * **PayID:** Select the PayID tab and enter your registered PayID.

   <figure><img src="/files/YDc8iK0SpjFbm9fWXpzx" alt=""><figcaption></figcaption></figure>
4. **Set a Payment Limit**\
   Enter a **Payment Limit** (e.g. $100,000). This acts as a safety cap for a single investment; we cannot debit more than this amount without your specific approval per transaction.
5. **Review and Confirm**\
   Review the details entered. If everything is correct, tap **Confirm & Set Up**. This initiates a PayTo agreement request with your bank.
6. **Authorise in Your Banking App**\
   You will see a "Check Your Banking App" screen.
   * Open your bank's mobile app.
   * Look for a notification or a "Pending Authorisations/Agreements" section.
   * Approve the PayTo agreement for CTRLSuper.
7. **Finalise Connection**\
   Return to the CTRLSuper app and tap **Done - I'll check my bank app** or **Check Status**. Once approved by your bank, the account status will update from "Awaiting Approval" to **Active**.

### What Happens Next

Your account will appear in your **Active Accounts** list. You are now ready to fund investments using this account.

{% hint style="warning" %}
Approvals are usually instant, but some banks may take up to 48 hours to process a new PayTo agreement. If your account remains "Pending" for longer than this, please contact your bank.
{% endhint %}

### Need Help?

If you run into any issues, contact the CTRLSuper support team at <support@ctrlsuper.com.au>.


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