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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.

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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
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
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
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?

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.

Bank account offer
MyState Bank Glide Account
monthly fee
ATM withdrawal fee
  • Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
  • Monthly fees: $0

MyState Bank Glide Account

Unlimited free electronic transactions. Send and receive money in less than 60 seconds with PayID.
Unlimited free electronic transactions. Send and receive money in less than 60 seconds with PayID.

Bank accounts with real-time Osko payments

1 - 8 of 8
Name Product Contactless Payments Instant Payments ATM Withdrawal Fee Monthly account fee
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.
Westpac Choice
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card
Osko, PayID
Use your Westpac Digital Card in the Westpac App to make contactless purchases 24/7 with no physical card.
No monthly account keeping fee for customers under 30 or if you meet the deposit conditions.
Shop safely online with Westpac Digital Card. Your 3-digit security number refreshes every 24 hours to keep your details safe.
Westpac Choice Student
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
$0 account keeping fee for students and customers under 30
Make purchases 24/7 using your Westpac Digital Card in the Westpac App.
Students will pay no monthly account keeping fee with no deposit conditions to meet. Pay with your phone or wearable device anywhere and anytime, and access cash without your debit card using Cardless Cash.
Great Southern Bank Everyday Edge Account
Google Pay, Apple Pay, Samsung Pay
Osko, PayID
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 1.2% 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
Google Pay, Apple Pay, Samsung Pay
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.
Up Everyday Account
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
A transaction account designed for your smartphone with spending categorisation and a round-up feature to help you save. No international transaction fees and no ATM fees in Australia.
Great Southern Bank Everyday Youth Account
Google Pay, Apple Pay, Samsung Pay
Osko, PayID
Designed for young Australians between 10 and 17 years old, a Great Southern Bank Everyday Youth Account is designed to make everyday banking easier.

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8 Responses

  1. Default Gravatar
    SteffydambelMay 18, 2022

    Does WAW credit union support sending payment into PAYID

    • Avatarfinder Customer Care
      AlisonMay 20, 2022Staff

      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.


    • Avatarfinder Customer Care
      AlisonJanuary 29, 2022Staff

      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.


  2. Default Gravatar
    FelishaOctober 16, 2021

    does AUSWIDE bank have pay id

    • Avatarfinder Customer Care
      AlisonOctober 21, 2021Staff

      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.


  3. 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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