Tech Help for Seniors: Smartphones, MyGov, and Online Banking Made Simple

Technology can feel overwhelming, but it doesn't have to be. With a few simple skills, you can connect with family, manage your money, and access government services from home. This guide explains the basics in plain English.

Smartphone basics

A smartphone is just a small computer you can hold in your hand. The most common useful features are:

• Phone calls and texts
• Camera for photos and videos
• Maps for directions
• Video calls with family
• Apps for banking, government, and shopping

If your screen text is too small, go to Settings → Display → Font Size and make it bigger.

How to make video calls with family

Video calls let you see and talk to family who live far away. The most popular free apps are:

• FaceTime (iPhone only) — works between Apple devices
• WhatsApp — works on all phones, free with internet
• Zoom — good for group calls and family gatherings
• Messenger — if you have Facebook

Ask a family member to help you set one up. Once it's installed, you only need to tap their name to call.

Using MyGov on your phone

The myGov app lets you check Centrelink payments, Medicare claims, and more from your phone.

1. Open your app store (App Store on iPhone, Play Store on Android)
2. Search for "myGov"
3. Tap "Install" or "Get"
4. Open the app and sign in with your myGov username and password

The first time, you'll set up a 4-digit PIN so you don't have to type your full password each time.

Online banking safely

Online banking saves time and lets you check your account anywhere. To stay safe:

• Use the official app from your bank's website, not from a link in an email
• Choose a strong password with a mix of letters, numbers, and symbols
• Never share your password or PIN with anyone, even bank staff
• Use Wi-Fi at home, not free public Wi-Fi at cafes
• Check your statements regularly for anything strange

Free tech help for seniors

You don't have to figure this out alone. Free or low-cost help is available across Australia:

• Be Connected (beconnected.esafety.gov.au): free online courses for seniors
• Local libraries: free one-on-one tech help sessions
• Tech Savvy Seniors (NSW): free workshops at libraries
• ASCCA (ascca.org.au): nationwide computer clubs for seniors
• Family and grandchildren: the best teachers, often free of charge!

5 simple safety rules

1. Don't click links in unexpected texts or emails
2. Type web addresses yourself in your browser
3. Update your phone when it asks you to (this fixes security issues)
4. Use a screen lock (PIN, fingerprint, or face) so others can't access your phone
5. If unsure, ask a family member or call your bank or service directly

Common questions

What's a "browser"? A program that opens websites — like Safari (iPhone) or Chrome (Android, computers).

What's a "password"? A secret word or number combination that proves you're you. Don't write it on your phone or computer where others can see it.

What's "Wi-Fi"? The wireless internet connection in your home or in public places.

What's an "app"? A program on your phone, like Maps, Calculator, or your bank's app.

Final thought

Technology gets easier with practice. You don't need to learn everything at once. Pick one thing this week — maybe video calling your grandchildren, or installing the myGov app — and master it before moving on.

Every senior who uses technology today started exactly where you are. Take it one step at a time, ask for help when you need it, and soon you'll be helping others.