Take control

of your money and
day-to-day life

What is Pama?

Pama is a free web-based app that earns you rewards and gives you secure access to your Opportunity Accounts, budgeting tools, resume builder, important documents and community events, from anywhere.

Pama Platform

A Lifelong Opportunity

Budget

Create a budget

Knowing what money is coming in and going out can take a lot of stress out of your daily life. Pama’s user-friendly budgeting tools put you in

control of your finances.

Job Ready

Get job-ready

With Pama, you can securely store your important employment documents and build your resume, so you’re ready to apply for your dream job.

Rewards

Earn rewards

Every time you complete a task on Pama, like creating a budget or a resume, you earn Pama Points.

You can redeem your Pama Points online, at any time, for Pama rewards.

Contact

Get involved

Pama will help you connect with your community. The community noticeboard and calendar show all your local events and updates, so you’ll never miss out on the action.

Opportunity Accounts

Pama’s locked Opportunity Accounts empower you to meet your financial goals through regular contributions made by you and your family. These funds can only be spent on items allowed by the account rules, and no funds can be provided back in cash.

You can check your account balance at any time and personalise your account details. Committing to an account - by opening a new one or becoming a contributor to an existing account - also earns you Pama Points.

Visit your nearest O-Hub to open an Opportunity Account today.

Which locked Opportunity Account is right for you?

READY (aged 0-5)

‘Save for your child’s first years’

These first years are important. Save for the cost of your child’s educational, healthcare and early childhood expenses, like:

Childcare
Educational toys
Medical needs
Car seat and stroller
Toiletries
Nursery furniture

SET (aged 6-25)

‘Save for your child’s education’

School years can be expensive. A SET account helps you and your family set aside money for your child’s expenses, like:

School/uni fees, training courses and equipment
Uniforms and sports gear
Excursions and after-school activities
Books
Home study furniture

GO (aged 26+)

‘Save for your future’

Start saving for your education, employment, training and health expenses, including:

Uni and training courses
Computer equipment
Relocation and business start-up expenses
Medical, sports and recreation
Trade tools
Driver licence

Bayan

‘Save for a place to call your own’

Bayan is a specialised home deposit account that channels your savings towards home ownership. Build up your deposit while you look for a home to buy and call your own!

Personal Saver

‘Save for the things you want’

With a Personal Saver account, you’re in charge. You set your savings target and your regular contribution amount so you can reach your goal sooner. You can save for things, like:

Car or boat
Family holiday
Computer or phone
White goods
Renovations

Why our users love Pama

It will really help having READY and SET Opportunity Accounts, which will allow me to manage my money better. When my kids need anything for school, I will be able to pay the account straight away.

Naomi Friday

If Bayan wasn’t locked, I might have still saved up, but I definitely would have gone and taken some out along the way. I do recommend Bayan to people, especially other couples in Mossman!

Sarah Backo

If you’re thinking about opening an account, I’d say, 'just do it!'

Tamara Hunting

I normally have all my documents sitting in a folder and they end up getting lost or the paper ends up fading after a while. I wanted everything in one place for me to find straight away when I need to access them. On Pama, I can locate and print straight away.

Elaine Liddy

Having a Pama Personal Saver account made it easier to save, as I couldn’t access the money until I had reached my goal.

Shobi Salam

I can quickly see the balance of my children’s accounts and watching the balances grow encourages me to keep going with my contributions!

Pama user, Iris

I opened up new Pama Opportunity Accounts so I don't have to stress when I have to pay for my boys' sporting or educational needs. This allows me to save for the things they need and access the funds when required.

Giembra Manning

Personal Saver gives you a purpose to really save and to get that end result!

Maureen Liddy

Being able to see your financial goals and achievements makes budgeting and saving seem more manageable.

Keithean Bowen

I go onto Pama a lot to see the money coming in and to check the balances.

Majella Peter

I like that Pama allows me to see my children's Opportunity Account balances from anywhere and whether I need to increase my contributions to cover the cost of school and sport.

Junibel Tranby

With Pama I have managed to save and go on a boat cruise - something that I have always wanted to do! I have never been able to save money in the past, as it was too easy to access. I feel great that I can say, ‘I’ve got a savings account’ - it sounds deadly and it shows responsible saving!

Lesigo Zaro

Join my Pama

Frequently asked questions

How does Pama work?

After creating a private profile on the Pama Platform, you can explore the app and opt into Opportunity Products that best suit your personal needs and goals. The Pama Dashboard, displayed and accessible on the secure home page, provides you with an overview of your Pama points, a to-do list, a noticeboard, upcoming community events as well as visibility of your Opportunity Accounts. The Platform also gives you points for completing tasks, which can be redeemed for real-world rewards.

What are Pama points, how can I get them and what can I use them for?

Pama points are awarded to you as you engage with the Platform and progress towards your self-determined goals.

Pama points can be earned by:

Completing tasks on the Platform such as updating or completing your job profile,
Contributing to any Opportunity Accounts you opt into,
Completing a Budget, and
Participating in Pama community events.

Pama points can be redeemed for rewards, which are regularly updated. See your nearest O-Hub or email support@mypama.com.au for the latest rewards. The value of the reward depends on the number of points you have earned and how much you want to redeem.

What do I do if I cannot log into the Pama Platform?

Who can sign-up to an Opportunity Account?

Initial sign-up for new Opportunity Accounts is currently limited to those who have signed up as a member to the Pama Platform and

who live in Aurukun, Coen, Hope Vale, Mossman Gorge (and Mossman township), Lockhart River or Wujal Wujal community and/or live elsewhere but have a direct connection with one of these communities OR
who are existing Student Education Trust donors who wish to open a READY, SET or GO Opportunity Account for existing Student Education Trust beneficiaries.

At a later stage, sign-up support will be extended to any individual who wishes to open an Opportunity Account.

Are there any costs involved with signing-up to Opportunity Accounts?

Do funds paid into an Opportunity Account earn interest?

Can an Opportunity Account be closed?

What do I do if I want to provide feedback or make a complaint?

To find out more about the Pama Platform and/or Pama Opportunity Accounts, please contact your local O-Hub or email support@mypama.com.au

View our Terms of Use. Read our Privacy Policy.

Contact us

Aurukun: (07) 4083 4505
Coen: (07) 4083 5001
Hope Vale: (07) 4083 8800
Mossman Gorge: (07) 4084 4400
Cairns: (07) 4042 7200
Email: support@mypama.com.au

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