FAQs

PayID and Osko (40)

• 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...

• 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...

• 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.

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

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

• How will I know that I’m making an Osko® payment?

  When paying to a BSB and Account number and PayID, you’ll know it’s an Osko payment...

• Which financial institutions offer New Payments Platform (NPP) services?

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

• Which Westpac business accounts are eligible for Osko® payments and linking to a PayID®?

  Westpac business accounts eligible for Osko Payments are...

• Will my PayID® be created automatically?

  No, the PayID service is optional so it is not created automatically. You’ll need to set up your PayID in Online Banking...

• How will I know who I can pay with Osko® and PayID®?

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

• What do I do if I make an incorrect PayID® or Osko® payment?

  You can request a payment recall or trace on your PayID and Osko payment through Online Banking or the Westpac App.

• Does it cost anything to use Osko® or PayID®?

  PayID and Osko cost nothing to set up and there are no fees for making and receiving payments via PayID or Osko...

• How do I set up a PayID®?

  Personal customers can register a mobile number as a PayID...

• What should I do if I have issues setting up a PayID® or making or receiving PayID payments?

  If you experience any issues with PayID, please call us on 1300 655 505 8am-8pm Mon-Sun Sydney time...

• If I set up a PayID®, can people still pay to my BSB and account number?

  Yes, people can still pay into your account using your BSB and account number. But with PayID, they have the reassurance of seeing...

• 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 know that a PayID® belongs to the correct person?

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

• 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...

• As a business customer, how will Osko® and PayID® payments affect my bank statements and exports?

  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...

• 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...

• Do I need to have Westpac Protect™ SMS Code to set up my PayID®?

  Your mobile number will need to be registered for Westpac Protect™ SMS Code before you can receive the code...

• 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..

• Can I have more than 1 PayID® or link to more than 1 account?

  Your PayID is a unique identifier that can only be registered at one bank and linked to one eligible account...

• 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...

• How do I change the account my PayID® pays into?

  You can do this anytime in Online Banking or the Westpac App and you don’t need to tell anyone you’ve changed the account...

• How do I move my PayID® to another bank?

  Call us on 1300 655 505 (8am-8pm Sydney time, 7 days) and request to have your PayID put into a ‘transfer state'...

• 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 been able to Pay to Mobile for a while. How is PayID® different?

  Pay to Mobile only works between Westpac accounts. With PayID you can make near-instant payments to people who bank with...

• What's displayed to people paying to my PayID®?

  Your PayID name is displayed to your payers before they confirm a payment, so they know it’s you they’re paying...

• Which Westpac corporate accounts are eligible for Osko® Payments?

  Westpac corporate accounts eligible for Osko Payments are...

• Which Westpac business accounts are eligible for linking to an ABN PayID® under a Business profile?

  Below are a list of business accounts eligible for linking to an ABN PayID...

• 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...

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

  No, Osko and PayID payments are only available for AUD transactions within Australia (domestic payments), find out more...

• How do I know that I’ve received a PayID® payment?

  If a payment is sent to your PayID, the payment will be credited to your account...

• What happens if an account I’m paying into cannot accept Osko® payments?

  If an account at another financial institution isn’t eligible to receive Osko payments...

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

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

• Which Westpac personal banking accounts are eligible for Osko® payments and linking to a PayID®?

  Westpac personal accounts eligible for Osko Payments are...

• Are Osko® and PayID® payments secure?

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

• 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...