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How to transfer money using a phone number

Some banks allow you to send money using someone's phone number instead of a BSB and Account Number. If your bank doesn't have this feature you can usually use PayID instead - here's how.

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Send money using the Pay to Mobile feature

Pay to Mobile is a payment service you can use to send money to bank accounts in Australia using someone's phone number. Only a limited number of banks include Pay to Mobile functionality in their mobile banking apps. Some of these include Westpac, St.George, BankSA, Bank of Melbourne, NAB, ANZ and CommBank.

The Pay to Mobile feature lets you send money to the contacts in your smartphone address book, even if they're with a different bank to you. Unlike standard bank transfers, you don't need the payee's bank account details. All you need is the recipient's mobile number.

If you're both with the same bank the transfer is simple and instant. Otherwise, the person you're sending money to will receive an SMS code and instructions on how to claim the payment (this is usually via clicking on a secure link and entering a verification code). Sending a payment to a friend's mobile number doesn't attract extra banking fees.

How to use Pay to Mobile

This will vary slightly between different banks, but the steps to make a payment using Pay to Mobile will generally be as follows:

  1. Open your mobile banking app or log in to Internet banking and select the 'pay someone', 'make a payment' or 'pay' option.
  2. Select the payee from your list of recipients, or select 'add a new payee' if you've never sent this person money before.
  3. Select the 'Pay to Mobile' option and, if they're an existing payee, the money will be transferred instantly.
  4. For new payees, you'll need to enter their mobile number and they'll be sent a text message with a secure link and verification code to claim the payment.
  5. If they don't claim the payment within 3 business days the transfer will be canceled and the money will be back in your account.

Send money using PayID

A lot of banks today offer the ability to send money using PayID. Even if your bank offers Pay to Mobile, they'll most likely also offer PayID as a transfer method too.

PayID allows you to assign your mobile number to your bank account. Then, when someone wants to send you money, they can simply enter your mobile number to do so instead of asking for your BSB and Account Number. You can learn more about PayID and how it works in our separate guide.

How to use PayID

To send someone money to their phone number using PayID, they'll need to have their phone number registered with the service.

  1. Open your mobile banking app or log in to Internet banking and select the 'pay someone', 'make a payment' or 'pay' option.
  2. Select the payee from your list of recipients, or select 'add a new payee' if you've never sent this person money before.
  3. Select the 'Pay with PayID' option and when asked the PayID type select 'Mobile'.
  4. Enter the PayID (your recipient's mobile number) and their name should come up as a confirmation you've entered the number correctly. If they don't have a PayID, it won't come up as an option here and you won't be able to send them money this way.
  5. Confirm the payment and they'll receive the money almost instantly, even if they're with a different bank.

FAQs on sending money using a phone number

Here are a bunch of questions we have regularly been asked on this topic.

How do I monitor the status of a mobile payment?

You can check on the status of a payment you’ve made to a mobile number by logging into your online banking facility or app. It'll show as pending until it's received.

What happens if I enter the wrong mobile number?

When you make a payment to a mobile number using Pay to Mobile, the transaction status shows "Awaiting Collection" until the payment is received. You can cancel any Pay to Mobile transaction online while the payment is awaiting collection. If the payment has been received, you will need to contact your financial institution to arrange to reverse the transaction.

If you're using PayID, after you enter the mobile number the person's name will appear as a confirmation before you click send. So if you've entered the wrong number, you'll be able to edit it and confirm before you send.

Someone has sent me a mobile payment, how do I collect the money?

If someone has sent a payment to your mobile, you will receive an SMS with the payment code. You’ll need this code as well as your BSB and account number. Enter this information on the website of the bank sending the payment and the funds will be deposited in your bank account. Sometimes there's a secure link sent to you as well which allows you to claim the payment.

How long do I have to collect a payment?

Pay to Mobile transactions are valid for up to 3 days. If the money has not been claimed in 3 days, the payment is cancelled.

If someone sends you money using PayID, it'll be sent instantly and you don't need to do anything to claim it.

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2 Responses

  1. Default Gravatar
    JamesMarch 3, 2022

    How Do I transfer money from my Bank account to a personal mobile phone number?

    • Avatarfinder Customer Care
      AlisonMarch 9, 2022Staff

      Hi James,

      The capability to transfer money from your bank account to a personal mobile phone number depends on the bank. This feature is not always available. You can check your bank’s website or call their customer support to enquire if this is possible.

      The article above also outlines how it generally works. Please refer to the section “How to use Pay to Mobile” for details.

      I hope this helps!


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