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Banks with PayID and Osko payments

Here's a list of Australian banks that have joined the New Payments Platform (NPP) and offer real-time payments using Osko and PayID.

You can check the list below to see if your bank offers real-time Osko payments, PayID or both. Also, keep reading for information on the differences between the two and how they work.

Financial institutionReal-time Osko paymentsPayID available
Adelaide BankNONO
ANZNoNo
Australian Military BankNoNo
Australian UnityNoNo
AMPNONO
Bank AustraliaNoNo
Bank FirstNoNo
Bank of MelbourneNoNo
Bank of usNoNo
Bank SANoNo
BankVICNoNo
BankwestNoNo
BCUNoNo
BDCU Alliance BankNoNo
Bendigo BankNoNo
Beyond Bank AustraliaNoNo
Border BankNoNo
CitiNoNo
CoastlineNoNo
CommBankNoNo
Community FirstNoNo
Credit Union SANoNo
Defence BankNoNo
Easy Street Financial ServicesNoNo
Family First Credit UnionNoNo
Firefighters Mutual BankNoNo
G&C Mutual BankNoNo
Goulburn Murray Credit UnionNoNo
Greater BankNoNo
Great Southern BankNoNo
Heritage BankNONo
Horizon BankNoNo
HSBCNONO
Hume BankNoNo
Hunter UnitedNoNo
Illawarra Credit UnionNoNo
imb BankNoNo
INGNoNo
Macquarie BankNONo
MENONO
MOVENoNo
MyStateNoNo
NABNoNo
Newcastle PermanentNoNo
Northern Inland Credit UnionNoNo
Orange Credit UnionNoNo
P&N BankNoNo
People's Choice Credit UnionNoNo
Police BankNoNo
Police Credit UnionNoNo
QBANKNoNo
Qudos BankNoNo
Queensland Country Credit UnionNoNo
RACQ BankNONo
RaboBankNONO
Regional Australia BankNoNo
Reliance BankNoNo
Rural BankNoNo
Service One Alliance BankNoNo
South West Credit UnionNoNo
St.GeorgeNoNo
SuncorpNoNo
Teachers Mutual BankNoNo
The MacNoNo
The MutualNoNo
UniBankNoNo
Unity BankNoNo
UbankNoNo
UP BankNoNo
WestpacNoNo
86400NoNo

PayID vs Osko: What's the difference?

Osko and PayID are two features that allow customers to send and receive money instantly. However, these two features are slightly different, and banks can offer Osko payments without also offering PayID.

  • Osko: This is a payment feature developed by BPAY that enables you to send and receive money instantly, even between different banks. Usually this would take up to 3 days. You might have noticed the Osko logo pop up after sending money to someone recently, letting you know the transfer was made via Osko and therefore was made instantly.
  • PayID: Most banks that offer Osko payments also offer PayID. PayID is a personal identifier, nickname or ID for your bank account that can be used instead of your BSB and account number. Your PayID is usually either your phone number or email address. If your bank doesn't yet offer PayID, it might still offer real-time Osko payments.

How does PayID work?

PayID with Osko (developed by BPAY) will enable you to use a unique, easy-to-remember ID for your bank account to replace your BSB and account number. For example, if someone needs to send you money, you can simply give them your PayID. Your PayID will be something unique to you, like your mobile phone number or email address.

Another feature of PayID is that after you've entered the person's PayID, it'll come up with their name so you can check you're sending the money to the correct person. When your bank has launched PayID to customers, it will invite you to register for your PayID via the Internet or mobile banking.

What is the New Payments Platform?

The New Payments Platform (NPP), which officially launched in February 2017, offers world-class payments infrastructure that's set to revolutionise the way Australians transact. The platform facilitates real-time, data-rich transfers between customers of different financial institutions, and allows Australians to set up a PayID to use instead of their BSB and Account Number.

Osko and PayID are two features of the NPP. To learn more about the NPP and how it can benefit you, check out our comprehensive guide to the New Payments Platform.

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Bank accounts with real-time Osko payments

1 - 6 of 156
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Westpac Choice
Westpac logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Eligible cardholders can get discounts when shopping at partner brands.

ING Orange Everyday Account
ING logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
1% cashback on utility bills (T&Cs apply)
Suncorp Everyday Options Account
Suncorp Bank logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
MyState Bank Glide Account
MyState Bank logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
St.George Complete Freedom Account
St.George Bank logo
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
Up Everyday Account
UP logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
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Written by

Alison Banney

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full profile

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10 Responses

    Default Gravatar
    NTJuly 5, 2023

    I have dispute with one Bank due to fraud case. They have closed my account, and they are hostile with me but my PayID/ Osko payment is still there and they getting accidental payment made to me. How could I detach/cancel that service associated with my phone number?

      AvatarFinder
      AlisonJuly 6, 2023Finder

      Hi, you need to speak to your bank directly to request your PayID is cancelled / detached from your account.

    Default Gravatar
    SteffydambelMay 18, 2022

    Does WAW credit union support sending payment into PAYID

      AvatarFinder
      AlisonMay 20, 2022Finder

      Hi Steffydambel,

      If you are referring to BankWAW, yes, they support PayID. You can register your personal PayID through Internet Banking or BankWAW App. Alternatively, you can contact their team on 1300 368 555 or visit your local Service Centre.

      Best,
      Alison

      AvatarFinder
      AlisonJanuary 29, 2022Finder

      Hi Ant,

      Thank you for letting us know about this. We have updated our page to reflect the correct details with regard to ME Bank and Osko/PayID transfers.

      Thanks,
      Alison

    Default Gravatar
    FelishaOctober 16, 2021

    does AUSWIDE bank have pay id

      AvatarFinder
      AlisonOctober 21, 2021Finder

      Hi Felisha,

      I’m afraid Auswide Bank doesn’t have PayID. If you’d like to know more, you can reach out to them to ask when it it will be added, as most banks have a roadmap for adding this.

      Regards,
      Alison

    Default Gravatar
    DebbieJune 14, 2019

    Is BankSA doing Osko payments yet?

      AvatarFinder
      JhezJune 14, 2019Finder

      Hello Debbie,

      Thank you for your comment.

      According to BankSA, Osko, as well as PayID are coming soon to them. There’s no date yet but you need to keep an eye out for a message in Internet Banking or the Mobile Banking app inviting you to set up your mobile number as a PayID.

      Regards,
      Jhezelyn

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