The days of sharing your BSB and account number to receive money, plus waiting around for payments to hit your account, are long gone.

Simply allocate a unique, easy to remember PayID (such as your email address or mobile number) to any of your accounts. Then share this PayID, instead of your BSB and account number, with whoever is sending you money.

Funds sent to your PayID (even from other banks) will be processed and received instantly!

To register a PayID, select ‘Manage PayID’ from the main menu in the Queensland Country mobile banking app, or from the Accounts menu in internet banking. You can also contact us to register a PayID for you.

Create PayIDs for as many accounts as you like and rest easy knowing you can keep the same PayIDs forever - they can be transferred to different accounts as your banking needs change, including at other financial institutions.

Receive payments the fast, simple way with PayID.

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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!

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Do you need to register for PayID?

Yes. We now invite you to register your PayID via your Internet Banking or mobile banking app. 

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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.
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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.

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What is Osko by BPAY?

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.

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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
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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

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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 and another using your Hotmail email address

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How many accounts can I link to my PayID?

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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.