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How do I create a PayID?

You can create a PayID in Online Banking or the Westpac App. 

You need to be registered for Westpac Protect™ SMS Code and have an eligible Osko account.

  • Westpac App - search PayID in the Smart Search bar. 
  • Online Banking - go to Service > Preferences > Account Services > PayID/Pay to Mobile

How do I create a PayID as a Business customer?

You can do this using the ABN on your Westpac profile. You need to be registered for Westpac Protect™ SMS Code or a token and have an eligible account. 

  • Online Banking - go to Service > Account Services > PayID settings > Create new PayID
  • Westpac App - search PayID in the Smart Search bar and follow the prompts.


If you're the Administrator of a Business Network, you'll need to give Users access to create a PayID. To do this, go to Administration > User administration and select the Users you want to give access.


  1. Go to Administration > User administration. Select the user that requires the ability to manage PayIDs on behalf of the business network. (The User must be identified by Westpac and be registered for a security device in order to be able to register and manage PayIDs)
  2. In the Other Permissions section, select Manage PayIDs for the user and then scroll to the bottom and select ‘Save’.
  3. Once the User has created the ABN PayID, it will need to be approved by the Administrator/s before the PayID is able to be used. To approve a PayID created by a User, the Administrator needs to go to their Approvals section, then select Other Tasks. 

The Administrator can change the number of approvals required to create a PayID:

Westpac Online Banking (Desktop), access Administration > Features and approvals. In the Accounts section, ensure the ‘Manage PayIDs’ option is ticked, select the number of approvals required to complete updates and select ‘Save’.


A PayID can only be linked to one eligible account at a time so select the one that best suits your needs.

If you’ve registered your mobile number or ABN as a PayID at another bank, you can arrange to have it transferred to Westpac. You'll need to call the other bank to initiate a transfer.  For more details refer to I've registered my PayID, but I want to use it at another bank, what do I do? 

Find out more about the New Payments Platform, Osko and PayID


Find out more about the New Payments Platform, Osko and PayID for Business customers