A faster, simpler way to send and receive money


Pay someone using a memorable piece of information that's unique to you

A PayID is one of the fastest, most secure and convenient ways to send and receive money. Simply set up a PayID that's easy to remember, such as your mobile number, email address, ABN or ACN and link this to the bank account of your choice. Just provide your PayID instead of your BSB and account number to receive payments from someone.

Peace of mind when you pay

The name of the person the PayID is registered to will be displayed before you press send, so you can verify that your money is going to the right place.

Pay iD

How to create your PayID


Make faster, simpler and smarter payments with Osko

Osko is a new technology developed by BPAY® Pty Ltd that allows payments to be made in real time, rather than waiting days for funds to clear.

Payments look much the same as payments made via traditional Pay Anyone transactions. But instead of BSB and account details, you’ll be able to use a simpler PayID as your identifier.

It’s part of the NPP and it’s already integrated seamlessly into our Internet Banking and our mobile banking app.

Change the way you pay tradies, split bills at dinners and pay friends and family. It’s easier and more secure than ever before.

  • Faster payments across 60 institutions , with more to come
  • Available 24/7
  • Backed by BPAY and trusted by Australian Unity
  • Use your PayID rather than your BSB and account number
  • Describe your payments with up to 280 characters of text

® Registered to BPAY Pty Ltd

ABN 69 079 137 518

Osko logo

How to make an Osko payment


Setup and manage PayTo agreements through internet banking.

PayTo provides more visibility and control over your payment arrangements. It’s a simple digital way to pre-authorise, amend, and cancel one-off or recurring payments in internet banking.

  • All in one place – Manage all your PayTo agreements in Internet Banking
  • Easy to setup – Use your PayID mobile number or email address, or BSB and account number
  • Faster payments – PayTo sends and receives payments in real time
  • Safe and secure – PayTo uses New Payments Platform (NPP) infrastructure to send and receive payments in real time, just like Osko

How it works