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PayID - the new way to pay and get paid fast.

Make and receive payments typically in a few seconds using a PayID.

PayID and Osko® coming soon

Soon you'll be able to get paid faster, typically in a few seconds, with just your mobile number when you register it as a PayID using Internet Banking or the Mobile Banking app.

Your family and friends already have your mobile number and that's all they need to be able to pay you. They can still use your BSB and account number but using your PayID is simple.

You'll also be able to pay friends and family to their registered PayID. A registered PayID can be a mobile number, email address, phone number, ABN (or ACN/ARBN) or Organisation ID.

PayIDs and fast Osko Payments will make it easier to pay and be paid.

What does this mean for you?

Faster payments

Make a payment in near real-time – in most cases only a few seconds – 24/7, even on weekends and public holidays, between eligible accounts at participating financial institutions.

Fast Osko® payments can be made to a PayID or a BSB and account number.

Simpler for people to pay you

A PayID is an easy way to communicate your account details to other people, by providing your mobile number.

Smarter payment information

Include more information (up to 280 characters) in your payment description.

What do I need to do?

Check that the mobile number we have on record for you is current.

How to get ready

Keep an eye out for a message in Internet Banking or the Mobile Banking app inviting you to set up your mobile number as a PayID.


Frequently Asked Questions

The Detail

Osko is the overlay service developed by BPAY® that allows fast payments to be made.

Both the sending and receiving bank accounts must be enabled for faster Osko payments. Fast Osko payments will not be available on some STG accounts (including credit accounts), to offshore bank accounts or for transfers in a foreign currency.

Payments may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first time payee or when the payment is caught for additional security screening.

BPAY & Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.

© Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714