FAQs

PayID and Osko (33)

• 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...

• With PayID, does this mean I don’t need my BSB and account number anymore?

  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...

• How do I create a PayID?

  Once we let you know that PayIDs are available, you can create your secure PayID by logging into Online Banking...

• How do I know when my PayID is ready?

  You can see if your PayID is ready to use, by logging into Online Banking on your desktop and going to...

• When will PayID and faster payments be available?

  Currently, all eligible Westpac personal customers across Australia with eligible accounts...

• 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 participating banks in Australia, 24/7, even on weekends and public holidays...

• What happens if I don't have SMS Protect?

  If you haven’t provided us with your mobile number, please call us on...

• What happens if my mobile number changes?

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

• Which accounts can my PayID be linked to?

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

• How many PayIDs can I link to one account?

  You can link multiple PayIDs to one eligible Westpac account if you have a joint account, with each account holder able to...

• 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...

• 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...

• What name is displayed to people paying my PayID?

  Your PayID name will be your first and last name (for personal customers) or business name (for business customers)...

• How do I make payments to a PayID?

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

• How can I verify that a PayID belongs to the correct payee?

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

• 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 faster payments, what happens?

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

• How do I lock my PayID?

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

• How do I transfer my PayID?

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

• What happens if I don't want to upgrade my Pay to Mobile to a PayID?

  If you choose not to upgrade your Pay to Mobile registration to a PayID, you will still be able to receive Pay...

• Is PayID safe and secure?

  Yes. Payments to PayIDs can only be made through Westpac Live and are subject to Westpac’s own real-time, fraud screening...

• What is Osko®?

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

• Can I only make an Osko Payment to a PayID?

  No, Osko® Payments can also be made to a BSB & account number...

• Do I need to do anything to get ready to be able to use PayID?

  Personal customers can prepare by registering for Westpac Protect SMS as this is the number that will be used...

• Do I need to do anything to get ready to be able to use Osko®?

  Eligible accounts will be able to receive Osko Payments without any action from you....

• Are there fees using Osko® or PayID?

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

• Are there any transaction limits with Osko® payments?

  Osko Payments are subject to available funds and are included within your Westpac Live...

• Can I make international payments with Osko®?

  No, Osko is only available for AUD transactions within Australia...

• Which financial institutions are planning to offer NPP services?

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

• 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...