PayID for consumers
Fast payments with confidence
PayID® makes sending and receiving money fast and easy. You can use your mobile number, email address, ABN or Organisation Identifier as your PayID to receive fast payments in your online banking.
The best part about paying to a PayID is that you’ll know your money is going to the right person or business before you hit send. This can help protect you from fraud, scams and mistaken payments.
Fast payments, 24/7
Payments made to a PayID are typically sent in under a minute through Osko, even between different financial institutions.*
* Some payments may be held for additional security checks. Speak to your financial institution for more information.
An easy way to send & receive money
A PayID is a memorable piece of information that’s linked to a bank account, making it easy to receive payments. Payments are made in a few easy steps in the security of your online banking.
Protection from fraud, scam and mistaken payments
PayID can help protect you from fraud or scam payments, such as invoice interception scams, as you can see who you’re paying before you hit send.
Simple to set up for personal or business use
A PayID can be set up in your online banking. You can also set up multiple PayIDs if you have more than one account or move your PayID between different accounts or financial institutions.
Get started with PayID
Head to your online banking and follow the steps to register.
You can use your mobile number, email address, ABN or Organisation Identifier. Your financial institutions will let you know which PayID types are available to you.
You can also have multiple PayIDs linked to different accounts or move your PayID to another financial institution.
How to pay and get paid with PayID
To pay with PayID, log in to your online banking, enter the PayID provided, and confirm the name shown before paying. When paying a business, use the PayID from your invoice or checkout. This helps ensure payments go to the right person or business.
Once you’ve registered a PayID, people will be able to start paying you through the security of their online banking and you should receive money in under a minute.* Easy.
* Some payments may be held for additional security checks. Speak to your financial institution for more information.
PayID is already in your online banking
PayID is offered by over 80 financial institutions. It’s typically built into the ‘Pay Anyone’ section in your online banking.
Stay safe and be scam aware
If something seems or smells off, you might be right.
- PayID will never contact you directly. Not ever.
- Emails or text messages claiming to be from PayID are a scam.
- PayID will never ask you to send money to receive money or ask you to ‘upgrade’ your account.
If you believe you have been scammed, please contact your financial institution.
Latest PayID news and
updates
AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pay 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 their pivotal role in caring for Country. Always was and always will be Aboriginal Land.
©2025 Australian Payments Plus. ABN: 19 649 744 203 All rights reserved
Follow us