We've looked to the future and searched for new ways for you to get the most out of your banking. So we've jumped onboard with several other banks and financial institutions to bring you a nationwide initiative called the New Payments Platform - also known in the banking world as NPP.

If you're a Member with us you can benefit from payments being processed almost straight away and in real time between other participating financial institutions in Australia.

Now you don't have to wait 24 to 72 hours to receive the $50 your friend owes you from dinner the other night as you'll receive it straight away. And instead of sharing your BSB and account number, a simple PayID is all you need!

Learn more

Toggle Item

What is New Payments Platform (NPP)?

NPP is a major industry initiative to develop new infrastructure for Australian payments. It will provide you with faster, simpler and smarter payments through a fast and versatile payments system.

Toggle Item

How did the New Payments Platform (NPP) come about?

NPP is a major industry initiative that came to life following a strategic review of the Australian payments system by the Payments System Board in 2012. This review identified a range of additional features that were desirable in the Australian payments system to make payments faster and in real time.

Spearheaded by the RBA and 13 participating financial institutions, NPP was mobilised. 

Toggle Item

What are the features of the New Payments Platform (NPP)?

There are four key features of NPP:

  1.     SPEED - the ability to make payments in real time, with close to immediate funds available in your bank account straight away
  2.     24/7 AVAILABILITY - the ability to make and receive payments 24/7 outside normal banking hours
  3.     SIMPLE ADDRESSING - a system called PayID is what makes this new payment method so easy. You'll be able to make payments using a unique identifier like a phone or mobile number or email address.
  4.     DATA RICH -  you can include more information with payments - you’ll be able to include 280 characters of text with your payment

You'll soon notice products and services of NPP called PayID and Osko by BPAY. We've shared some details about them below.


NPP has now launched for Queensland Country Bank Members, so you can now register your very own PayID, such as your mobile number or email address, to an eligible Queensland Country account to receive payments. A PayID is unique to you and you only and saves you having to remember your BSB and account number.

Toggle Item

What is PayID?

A PayID is unique to you and you only. It could be your mobile number or email address.

So instead of giving over hard to remember BSB and account numbers, you can give them your PayID and they'll be able to transfer money to you. 

No longer will you be waiting 24 to 72 hours for your friend's payment for dinner from the other night. Plus, when you receive their payment it will come with their accompanying message so you know what it's for.

And if you need to pay someone and they are registered for PayID, you’ll only need their PayID to transfer money directly into their bank account. And they'll also receive it in a super speedy timeframe!

Toggle Item

Do you need to register for PayID?

Yes. We now invite you to register your PayID via your Internet Banking or mobile banking app. To learn how, you can watch the below video for step by step instructions.

Toggle Item

What are the benefits of PayID?

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

  • It makes payments simple and does it in a way that is secure and safe.
  • 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 (mobile or landline).
  • 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.
Toggle Item

How secure is PayID and Osko on the New Payments Platform (NPP)?

PayID has high security standards that must be met by us and other participating financial institutions that register your details on the service, which they can only do with your informed consent.

Osko will use the NPP; a world leading technology certified to highest data security standards and monitored 24 hours a day, 7 days a week. All payments made on the platform are also subject to participating institutions own real-time fraud screening and detection capabilities.

The NPP has been designed to reduce the risk of mistaken or fraudulent payments by enabling the sender to confirm the name of the recipient before finalising the payment to a PayID.

Toggle Item

How can I create my PayIDs?

You can create your PayIDs in our internet banking and mobile banking app. Business Members will need to phone or visit us.

Go to Internet Banking

Toggle Item

Can I create more than one PayID?

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 [email protected] and another using your Hotmail email address [email protected]

Toggle Item

How many accounts can I link to my PayID?

You can only link one account to one of your PayIDs. 

Toggle Item

Can someone access my account using my PayID?

No. A PayID is only used to deposit money to your account.  You can’t login to Internet Banking or the mobile banking app, or access your account over the phone by knowing and using your PayID. 

Toggle Item

Do I need a PayID to be able to receive a payment via the New Payments Platform (NPP)?

No, PayID doesn't replace your BSB and account number. Your PayID is just an easier alternative. If you want to receive a payment via the NPP using your BSB and account number you will need to provide the following details to the payer:

  • Queensland Country’s NEW BSB number to receive NPP payments only*: 654 099
  • Account Number: Your Account Number (only active Savings and Loans accounts can be used)

*Our standard BSB 704 640 will not be able to receive payments using the NPP. All automatic payments and direct debits will continue to process as per normal using our standard BSB.


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. This service will come in handy when paying at a group dinner, socialising, or even paying the plumber on the spot.

Toggle Item

What are the benefits of Osko by BPAY?

Thanks to Osko by BPAY 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 use a PayID to pay and get paid
  • You can include 280 characters of text with payments
Toggle Item

How is Osko by BPAY and BPAY different?

It's importnat to note that Osko by BPAY will not be replacing BPAY. 

Osko by BPAY is a complimentary service to BPAY to address NPP's new and innovative way to make and receive payments.

BPAY is still the easiest way to make bill payments, as it's packed with smart features to make paying bills less complicated - from bill scheduling to auto payments.

Osko by BPAY will allow you to make the payment even faster (in real time and 24/7) via any participating institutions.

Toggle Item

How secure is Osko?

Osko by BPAY is implemented via our digital banking channels, so it therefore meets all security demands already applied by our financial institution. You can rest easy knowing that your speedy payment is safe and secure.

Toggle Item

How do I send a payment using the New Payments Platform (NPP)?

You can send a payment by simply logging into our Internet Banking or Mobile App and choosing the Pay someone option.

Toggle Item

Can I choose if I want to send a payment using the New Payments Platform (NPP)?

No, if the institution receiving the payment on behalf of the payee is registered for NPP we will automatically send the payment using the NPP.  If the receiving institution is not registered for NPP or if the payment is unable to be sent using the NPP, we will attempt to send the payment via the traditional method of ‘direct entry’.  This means that the payment may take 24 to 48 hours to reach the payee’s account.  

Key tips

We've shared some important tips to ensure your experience using the NPP is working effectively and as expected.

  • PayID is what makes paying someone or receiving an external payment so simple and easy! We encourage all our Members to create and register a PayID to avoid issues that can occur when using account details to send or receive an NPP payment in real time. To learn more about PayID and how simple it can work for you watch this video.

If you do not have a PayID with Queensland Country Bank and would like to receive payments into your Queensland Country account (payee) via an NPP payment you will need to keep in the mind the following:

  • Using a PayID that is registered with us and attached to your eligible Queensland Country Bank account is our preferred method to receive payments via the NPP system. Learn more about how to register a PayID with Queensland Country Bank.
  • If you still want to receive a payment into your Queensland Country Bank account (payee) quickly and in near real time from another financial institutions (payer) and without using a PayID, you must use our BSB that is enabled to receive NPP payments 654 099. Your account number will remain unchanged.
  • If your other financial institution has not launched the NPP system and functionality to their customers, you will need to use our standard BSB 704 640. This means your payment into your Queensland Country Bank account (payee) will go via Direct Entry and may take up 48 to 72 hours to be received.
  • To avoid payments rejecting we recommend checking with your other financial institution to confirm they are able to send a payment via the NPP system or if you’re not sure please use our standard BSB 704 640. This will ensure your payments is received with no issues and may take up to 48 to 72 hours to appear in your account.