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What is PayID?

  • PayID is like a nickname for your BSB and Account Number  
  • It is created by linking your mobile number to your eligible Westpac bank account  
  • Once linked, you can simply provide your family and friends with your PayID instead of giving out your BSB and account number, making it easier for them to pay you. 
  • Payments are made in less than a minute, 24/7 
  • Plus, it’s now easier to make payments to family or friends using their PayID if they have registered it, even if they bank elsewhere. 
  • To pay a business, you can make a payment to these PayID types as well as an ABN (which includes ACN, ARBN and ARSN) or Organisation ID. 
  • Payments made using PayID is secure and covered by our Online Banking Security Guarantee

How to use PayID in Online Banking (Desktop)

How to use PayID in the Westpac App (Mobile)

How to create a PayID

A PayID is created by linking your mobile number to an eligible Westpac account.

On desktop:

Sign in to Westpac Online Banking, select Service > Services > Account services > PayID/Pay to Mobile > Register.

On mobile:

Sign in to Mobile Banking, select Self serve > Account Services > PayID / Pay to Mobile Settings > Register.


How to use this feature

  1. Sign in to Westpac Online Banking. ​

  2. In the ‘Payments’ tab on the menu bar, select ‘Make a payment’ from the drop-down list. ​

  3. On the Make a payment page, select ‘Pay new payee’. ​

  4. Under 'I want to pay' select the PayID type from the drop-down menu. Enter the mobile number, email address, ABN/ACN/ARBN, phone number or organisation ID (to match the PayID type) then click 'Verify'. ​

  5. The PayID name will automatically populate and be copied into the Payee nickname field (if the PayID details have not been registered, a PayID name will not be shown and the payment will be rejected). ​

  6. Complete all mandatory fields in the ‘From’ and ‘Payment details’ section, then click ‘Continue’. ​

  7. You’ll be asked to confirm the payment details, if they’re correct, click ‘Confirm’. ​

  8. You will be sent an SMS code to your registered device. Enter the SMS code and click ‘Authorise’. ​

  9. Your payment is now complete. You can print, save or email your receipt. ​

What is Osko?

Osko by BPAY® allows near real-time payments to be made between eligible accounts at participating financial institutions, 24/7 – even on weekends and public holidays.

Payments to PayIDs are fast Osko payments. Payments to a BSB and account number will automatically be processed as Osko if both parties have eligible Osko accounts.

You will see the transaction appear with a payment method of Osko or the Osko logo when you make or receive an Osko payment.

Things you should know

*Fast or real-time payments are sent and received using Osko by BPAY® and can be addressed to either a PayID or a BSB and account number. Real-time payments require both the payer and payee to have Osko enabled accounts.

Personal customers can send and receive fast Osko payments to and from participating financial institutions with an eligible account (i.e. a personal transaction account).

Payments may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first time payee or when the payment is caught for additional security screening.

The PayID types available to you may vary depending on your customer profile. If you register your mobile as a PayID, it needs to be the same as your SMS Protect CodeTM.

When your PayID is registered, your details (including your name) will be available to people who use the service and enter your mobile phone PayID.

Westpac Live Online Banking is only available for use by Westpac Australia customers. Internet connection is needed to access Westpac Online and Mobile Banking. Normal mobile data charges apply. 

# Up to 280 characters. Please note emojis and Chinese characters will result in an error message. 

1 Online Banking Security Guarantee.

If your Westpac account is compromised as a result of internet fraud, we will repay any missing funds providing you comply with our Online Banking Terms and Conditions (PDF 1MB).
This includes keeping your sign-in details (including passwords, Westpac Protect™ SMS codes and SecurID® Token codes) private. The Terms and Conditions explain the features, benefits, risks, fees and charges for Online Banking. You must inform us immediately if you suspect the security of your access details has been compromised or you suspect an unauthorised transaction or potentially fraud on your accounts. Always adhere to manufacturers’ software and support to ensure your mobile devices are covered by the latest software and security updates.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.