Banks with PayID and Osko payments

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

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You can check the list below to see if you bank offers real-time Osko payments, PayID, or both.

Financial institutionReal-time Osko paymentsPayID Available
Adelaide BankNONO
Australian Military BankNoNo
Australian UnityNoNo
Bank AustraliaNoNo
Bank FirstNoNo
Bank of MelbourneNoNo
Bank of usNoNo
Bank SANoNo
BDCU Alliance BankNoNo
Bendigo BankNoNo
Beyond Bank AustraliaNoNo
Border BankNoNo
Community FirstNoNo
Credit Union SANoNo
Defence BankNoNo
Easy Street Financial ServicesNoNo
Endeavour Mutual BankNoNo
Family First Credit UnionNoNo
Firefighters Mutual BankNoNo
G&C Mutual BankNoNo
Goulburn Murray Credit UnionNoNo
Greater BankNoNo
Great Southern BankNoNo
Heritage BankNoNo
Horizon BankNoNo
Hume BankNoNo
Hunter UnitedNoNo
Illawarra Credit UnionNoNo
imb BankNoNo
Macquarie BankNONo
Newcastle PermanentNoNo
Nexus MutualNoNo
Northern Inland Credit UnionNoNo
Orange Credit UnionNoNO
P&N BankNoNo
People's Choice Credit UnionNoNo
Police BankNoNo
Police Credit UnionNoNo
Qudos BankNoNo
Queensland Country Credit UnionNoNo
Regional Australia BankNoNo
Reliance BankNoNo
Rural BankNoNo
Service One Alliance BankNoNo
South West Credit UnionNoNo
Teachers Mutual BankNoNo
The MacNoNo
The MutualNoNo
Unity BankNoNo
UP BankNoNo

PayID vs Osko: What's the difference?

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 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, they 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.

To learn more about the NPP and how it will benefit you, check out our comprehensive guide here.

Bank account offer
NAB Classic Banking
monthly fee
ATM withdrawal fee
  • Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
  • Monthly fees: $0

NAB Classic Banking

Enjoy convenient, unlimited access to your money. $0 monthly account fee. Temporarily block your card at the touch of a button if you lose it.
Enjoy convenient, unlimited access to your money. $0 monthly account fee. Temporarily block your card at the touch of a button if you lose it.

Bank accounts with real-time Osko payments

Name Product Contactless Payments Instant Payments ATM Withdrawal Fee Monthly account fee
NAB Classic Banking
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
MyState Bank Glide Account
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
Virgin Money Go Account
Google Pay, Apple Pay, Samsung Pay
Osko, PayID
Special offer: Welcome bonus of 5,000 Virgin Money Points (T&Cs apply).
$0 monthly account fee.

A transaction account that gives you Virgin Money Points on your everyday spend, access to perks and rewards. Plus, earn a competitive bonus interest rate on your Virgin Money Boost savings account.
Suncorp Everyday Options Account
Google Pay, Apple Pay
Osko, PayID
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
Great Southern Bank Everyday Snap Account
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply).
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Apple Pay, Samsung Pay
Osko, PayID
Earn up to 0.75% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
Great Southern Bank Everyday Account
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia.

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2 Responses

    Default Gravatar
    DebbieJune 14, 2019

    Is BankSA doing Osko payments yet?

      Avatarfinder Customer Care
      JhezJune 14, 2019Staff

      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.


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