A PayID is a method of getting paid into your account using your mobile number or email address instead of your BSB and Account Number.

It is a way to receive funds into your account almost instantly. You can also pay other people using their PayID if they have this set up with their financial institution.

There are a number of benefits to using a PayID including:

• Simplying the payments process in a safe and secure way.
• It's convenient as you'll only have to provide payers with details that are easy to remember such as an email address or phone number.
• It gives you greater peace of mind as you no longer have to provide your financial account information, such as BSB and account number to payers in order to receive payments.
• You'll also have the ability to maintain and transfer your PayID if you change financial institutions.

Osko by BPAY^® is what makes your payments so speedy! It was developed specifically for NPP so you don't have to wait hours or days for a payment to be received.

Thanks to Osko, you'll be able to transfer money in real time, even if your friend is with another financial institution or if it's a weekend. It was developed specifically for NPP so you don't have to wait hours or days for a payment to be received.

Benefits include:

• Faster payments – typically will be received in less than a minute.
• Payments can be made and received 24/7, 365 days – including weekends, public holidays and outside of normal banking hours.

You can create a PayID in Internet Banking and the Mobile App. Business Members will need to phone or visit us. Follow the steps below:

Internet Banking:

• Select 'Accounts' and select 'Manage PayIDs' from the drop-down menu.
• Complete the two factor authentication step by entering in your Secure SMS or token code.
• Select 'Register':
  • Enter the mobile number or email address you would like to use and click 'Next'.
  • Select an account to link your PayID to.
  • Select a 'Short name' from the options that appear – this is the name people paying you will see.
  • Tick the 'I agree to the Terms & Conditions' box and select 'Next'.
• Enter the code sent to your mobile or email and select 'Confirm'.
• Done! Your new PayID is now set up and active.

Mobile App:

• Open the menu using the three lines in the top left.
• Select 'Pay' and select 'Manage PayID'.
• Select 'Create new PayID'.
  • Enter the mobile number or email address you would like to use.
  • Select an account to link your PayID to.
  • Select a 'Short name' from the options that appear – this is the name people paying you will see.
• Press the arrow at the bottom of the screen → accept the terms and conditions → enter the code sent to your mobile or email and continue.
• Done! Your new PayID is now set up and active.

Yes, you can create more than one PayID, for example you could create one using your mobile number and another using your email. For an example, you could also create one PayID using your personal Gmail email address JohnDoe@gmail.com and another using your Hotmail email address JohnDoe01@outlook.com.

You cannot have more than one PayID set to a single mobile number or email address though.

You can only link on account to each individual PayID. You can however create multiple different PayIDs with different mobile numbers and email addresses.

Yes, you can have more than one PayID linked to each account.

No. A PayID is only used to deposit money to your account.

You cannot login into Internet Banking or the Mobile App, access your account over the phone or withdraw from your account by knowing and using your PayID.