FAQs

PayID and Osko (38)

• What is a PayID?

  A PayID is a nickname for your BSB and account number. It’s unique to you and your eligible bank account. At Westpac...

• How do I create a PayID?

  You can create your secure PayID by logging into Online Banking...

• What is Osko®?

  Osko by BPAY™ is a near real-time payment. The service is built on the New Payments Platform and enables faster payments to a PayID or a BSB...

• What is the New Payments Platform (NPP)?

  The New Payments Platform is a centralised platform that facilitates real-time clearing and settlements of payments between participating Australian financial institutions...

• Which financial institutions offer NPP services?

  For a full list of participating financial institutions and their services...

• Which Westpac personal accounts are eligible for Osko® payments and linking to PayIDs?

  Westpac personal accounts eligible for Osko Payments are...

• Which Westpac business accounts are eligible for Osko Payments?

  Westpac business accounts eligible for Osko Payments are...

• Which Westpac corporate accounts are eligible for Osko Payments?

  Westpac corporate accounts eligible for Osko Payments are...

• Are there any fees to use Osko® or PayID?

  There are currently no fees associated with the use of PayID or Osko® Payments in Westpac Live...

• How will I know who I can pay?

  The best way to find out who you can pay using Osko® and PayID is to check with the person or business...

• If an account at another financial institution cannot accept Osko payments, what happens?

  If an account cannot accept faster payments, we will try to send the payment another way...

• How do I make a payment to a PayID?

  To pay a PayID, when making a payment in Westpac Live on a desktop or from your...

• How do I know that a PayID belongs to the correct person?

  When making a payment to a PayID, the PayID name will be displayed letting you...

• Can I only make an Osko® payment to a PayID?

  No, an Osko payment can also be made to an eligible BSB and account number...

• How do I make an Osko® payment to a BSB and account number?

  When paying to BSB and account numbers, you don’t need to choose if a payment will be processed via Osko...

• How will I know if it's going to be an Osko® payment when I make a payment?

  When paying to a BSB and Account number and PayID, you’ll know it will be an Osko payment as the ‘Payment method’ will be Osko...

• How will I know I've received a near real-time Osko® payment?

  If the payment is an Osko payment, you will see the transaction described as ‘Osko’ ...

• Are there any transaction limits with Osko® payments and payments to PayIDs?

  Osko payments and payments to PayIDs are subject to available funds...

• Can I make or receive international payments with Osko® or PayID?

  No, Osko and PayID payments are only available for AUD transactions within Australia...

• What's the purpose of the ‘Reference’ field when sending an Osko® payment?

  The Reference ID is an additional field 35 characters long, available when receiving in an incoming Osko payment.

• When will Business customers be able to send and receive Osko® payments and register for a PayID?

  Westpac Business customers can now make and receive Osko payments to eligible accounts using a BSB and account number...

• As a Business customer, how will Osko® and PayID payments change my bank statement or export?

  Osko and PayID payments can carry more payment information, including up to 280 characters of payment description...

• How do I use my PayID to receive payments?

  Once you’ve registered your PayID, you’ll be able to provide it to your payers. When they go to pay you...

• How do I know if a payment is received to my PayID?

  If a payment was sent to your PayID, the details of the deposit will display your...

• If I create a PayID, can people still pay my BSB and account number?

  BSB and account numbers can still be used - PayID is just an alternative way to direct a payment to a bank account.

• Is my PayID going to be automatically created?

  Personal customers - no, you’ll need to create your PayID within Westpac Live on a desktop or from the Westpac Mobile Banking App...

• What can I use as my PayID?

  If you sign in to Westpac Live Online Banking as a Personal customer, you're able to use your SMS Protect number as the...

• Are Osko and PayID safe and secure?

  Osko payments and payments to PayIDs can only be made through Westpac Online Banking ...

• Do I need to have Westpac SMS Protect to set up a PayID?

  If you sign into online banking as personal customer, Westpac SMS Protect is required to be set up before creating a PayID.

• What happens if my mobile number changes or I need to change my PayID?

  Call us on 1300 730 408 to close your PayID and update your SMS Protect number..

• I’ve been able to Pay to Mobile for a while. How is PayID different?

  You can use a PayID to make real-time payments to people who bank with anticipating banks in Australia, 24/7, even on weekends and public holidays...

• Do I have to upgrade my Pay to Mobile to a PayID?

  If you choose not to upgrade your Pay to mobile registration to a PayID, from...

• Which account can my PayID be linked to and can I change it once registered?

  When creating your PayID, you will be able to select from eligible accounts...

• How many accounts can I link my PayID to?

  Your PayID is a unique identifier which can only be linked to one eligible bank account. However, if you have more than one mobile number, each may be able to be created as a unique PayID...

• What is displayed to people paying my PayID?

  Your PayID name is displayed to your payers to verify before confirming the payment....

• How do I stop payments to my PayID or de-activate my PayID?

  To temporarily stop payments to your PayID, contact the Help Desk on...

• I've registered my PayID, but I want to use it at another bank, what do I do?

  To transfer a PayID that you created with another financial institution to Westpac, you will need to...

• What should I do if I have issues creating a PayID or making or receiving PayID payments?

  If you experience any issues with registering a PayID, or making and receiving PayID and Osko payments, please contact our Help Desk on 1300 655 505.