Fast, secure, simple, smart

Osko® sends money between participating banks fast within online banking. Whether you’re paying a roommate, a good mate, a workmate or even a tradie’s rate, it’s handy to know that paying or getting paid is easy with Osko.

Why use Osko?

Osko sends bank transfers between participating banks and financial institutions in under a minute, 24/7 – yes, even on weekends!
Osko payments are made within your online banking and backed by BPAY, so you know that it’s super safe.
Osko payments can be made to a BSB and Account Number, but have you heard of a simpler alternative known as a PayID? You can be paid or make payments to a registered mobile number, email address or ABN.
The best part of paying to a PayID is that you can confirm that you’re paying the right person or business before you hit send.
When you send money, or receive it, it's good to know what it's for. If Osko is enabled on both sending and receiving accounts, you can use up to 280 characters to describe it. And you don't even have to stick with words either.

If you're a business, you can ask customers to include the important stuff such as an invoice number in the 'Reference' field, making it easy for you to keep track of the money coming your way!

How does your bank work with Osko?

To benefit from Osko you don't need to do a thing! Osko Payments is typically built into the ‘Pay Anyone’ section of participating banks, so there's a good chance Osko is already making your bank transfers fast!

Need help?

What is Osko Payments?
When can I use Osko Payments and PayID?

Osko Payments is available in over 60 banks currently and will be continuing to roll out in the next coming months. So, check in with your bank to see exactly when you get to say hello Osko!

How secure is Osko Payments?

Relax. Because Osko Payments is implemented using your bank’s own security standards together with the best industry standards, it’s super safe.

Where does the name Osko® come from?

Osko is a new word, created for a new way to pay.

How is Osko by BPAY different from BPAY? Will it replace BPAY or BPAY View?

Osko by BPAY seamlessly works alongside BPAY and BPAY View, but each service is different. While BPAY is great for paying bills, BPAY View is great for sending bills straight to your online banking, Osko excels at sending money fast from person to person. Find out more about BPAY and BPAY View at www.bpay.com.au.

Paying with Osko
What is PayID?

A PayID is a registered phone number or email address that can be used in place of a BSB and Account Number. You can make Osko Payments either to a PayID or a BSB and Account Number depending on the bank. To find out whether your bank offers PayID, search your bank here.

How will I know who I can pay?

Just ask the person you want to pay if their bank offers Osko Payments. Then you can ask for their PayID or BSB and account number. Find out more, search your bank here.


AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pays our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait islander peoples ongoing connection to the lands and waters of Australia and thank them for protecting and for their pivotal role in the creation of this beautiful place. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

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