Is the Sniip processing fee on top of the existing biller fees?

Short answer, no! 

Why? You are essentially making a BPAY payment through Sniip. 

Your biller receives the funds via BPAY. If there are no additional fees from the biller for making a BPAY payment, the only fee you’ll pay is the Sniip processing fee of 1.5% for Visa/ Mastercard and 1.29% for Amex personal. Please see our full list of processing fees, here.  The processing fee amount will always be displayed to you before you pay a bill.

Paying from your bank account is 100% free in the Sniip app. 

There are no app download fees, subscription fees or other hidden fees in the Sniip app.

If you pay a direct biller utilising the Sniip QR code or the AusPost Barcode, you may incur fees and/or charges imposed by the biller. These payment processing costs may be reflected at the time of making payment, or on your next bill from that biller.