Help lets you pay friends fast*.
What is a PayID?
Now you can get paid in near real-time, using just your mobile number as a PayID.
Your family and friends are likely to have your mobile number in their phone contacts, so you can avoid being asked for bank account details, making it easier for them to pay you.
Plus, it’s now easier to make near real-time payments to friends or family using their PayID (mobile number, email address or phone number) 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 (or ACN/ARBN) or Organisation ID.
Best of all, this new feature is available in Online Banking.
How to create and use a PayID
A PayID is created by linking your mobile number to an eligible Westpac account.
Westpac Mobile Banking App:
Sign in to Mobile Banking, select Self serve > Account Services > PayID / Pay to Mobile Settings > Register.
On a desktop:
Sign in to Westpac Live Online Banking, select Services & preferences > Account services > PayID / Pay to Mobile Settings > Register.
You can now ask other people to pay you directly to your registered mobile number, instead of your BSB and account number.
You can also pay to another person's registered mobile number by simply allowing Westpac to access your phone contacts from the Westpac Mobile Banking app.
You'll be able to include a longer message with the transaction#. Your message will arrive with your payment.
- How to set up a PayID
- What is a PayID?
- How to make a payment to a PayID
You can create a PayID with your ABN/ACN/ARBN and when customers need to pay you they can use your ABN/ACN/ARBN instead of your BSB and account number. PayID is an easy way to communicate your account details. You can also pay other businesses and organisations to their ABN/ACN/ARBN if it's registered as a PayID.
How will PayID and faster payments help my business?
Manage your cash flow better
- Get access to money fast through the receipt of cleared funds in real-time.
- Hold onto your money longer by paying in real-time on the due date.
Reduce payment errors
PayID payments will automatically display the recipient name before you authorise the payment. This may reduce the potential for misdirected payments.
Payers will have more room to provide information to help you easily identify specific transactions. This may save time on tedious reconciliations and allow you more time to focus on your core business.
Use your mobile number as a PayID for Business Accounts
You can also create a PayID using your mobile if you sign in as a personal customer to view your business accounts in Online Banking. Remember, your mobile number can only be linked as a PayID to one account. This means if you register your mobile number to your personal account, you'll have to change the account linked to your PayID from your personal account to your eligible business account before using your mobile for business payments.
What do I need to do?
We’ll let you know when it’s time to create your PayID.
In the meantime, as there are a number of changes you may need to make to ensure your business is ready, read our .
It will help you understand the changes, how they may impact your business and what actions you need to take.
For more information about NPP, PayID and Osko®, please see the Frequently Asked Questions for Business customers.
What is an Osko, real-time payment?
Osko is the overlay service developed by BPAY® that allows these fast payments to be made, typically in less than a minute, between eligible accounts at participating financial institutions, 24/7 – even on weekends and public holidays.
All payments to a PayID will occur in near real-time. Payments to a BSB and account number will only occur in near real-time if both parties have eligible accounts. You will see the transaction appear as Osko or the Osko logo in Online Banking 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 .
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.