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Fast real-time payments available in your Online Banking.

Now that Osko payments are available for Westpac customers, an increasing number of your payments that you make or receive will happen in almost an instant, 24/7 - including weekends and public holidays. These near real-time payments automatically use Osko by BPAY®.

To send money to your family and friends with eligible accounts at participating financial institutions in under a minute, 24/7, all you need to know is their PayID or BSB and account number. Best of all, it is part of your online banking. They can also pay your eligible BSB and account number or PayID in almost an instant.

How will I know if I have it?

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

How will I know I’ve received a real-time payment?

If the payment is made in real-time, Osko or the Osko logo will appear next to the transaction in Online Banking. 

How will I know if it's going to be a real-time payment when I make a payment?

You’ll know it will be a fast payment when paying a PayID or BSB and account number as Osko or the Osko logo will appear on the Payment review page in Online Banking.

How do I make an Osko payment to a PayID?

On a desktop, sign in and select Payments > Make a payment > Payees > Pay new payee > Select the PayID type from the ‘I want to pay’ drop down menu.

On a mobile, select Pay > Choose A Payee > Add > New PayID/Mobile payee. Enter in their PayID details.

Their PayID name will display.

Note: Your payees must have registered their PayID at their financial institution before you can make a payment to it. 

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

To make an Osko payment to a BSB and account number, the payee needs to have an eligible Osko account at a participating financial institution. The payment cannot be future dated or recurring. If these conditions are met, Westpac Live will automatically process the payment as Osko.

Who can I make fast Osko payments to?

Only eligible personal, business or corporate accounts at a participating Australian bank or financial institution are supported by the New Payments Platform. Overseas and off shore bank accounts are not supported.

Are Osko payments safe?

Osko payments made via Online Banking are covered by the Westpac Online Security Guarantee.

You should only pay people or businesses you know. Be alert to fraud and scams.

Will BPAY® bills and Post Bill Pay payments occur in near real-time? 

At this stage, BPAY® bills and Post Bill Pay payments are not enabled for real-time payments.

Will Westpac credit card repayment be made in near real-time?

At this stage, repayments to your Westpac credit card are not enabled for real-time payments.