Banks with PayID and Osko payments

Check if your bank offers real-time payments using Osko and PayID here. While most Australian banks do offer these, some still don't.

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Alison Banney

Updated

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You can check the list below to see if your bank offers real-time Osko payments, PayID or both. You can find information on the differences between the two and how they work later in this guide.

Financial institution
Real-time Osko payments
PayID available
No
No
No
No
No
No
AMP
NO
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Firefighters Mutual Bank
No
No
No
No
No
No
No
No
No
No
NO
No
No
No
NO
NO
No
No
Hunter United
No
No
No
No
No
No
No
No
No
No
NO
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Queensland Country Credit Union
No
No
NO
No
RaboBank
NO
NO
No
No
Reliance Bank
No
No
No
No
No
No
No
No
No
No
No
No
No
No
The Mac
No
No
The Mutual
No
No
No
No
No
No
No
No
No
No
No
No
No
No

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 accounts with real-time Osko payments

1 - 5 of 141
Updated regularly
Product Monthly fee Govt. Guarantee Own network ATM fee Card type
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
$0 monthly fees, unlimited free transactions plus a Visa debit card and digital card.
Go to siteMore info
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Eligible Visa Debit cardholders can get cashback when using their card to shop at partner retailers.

You can link up to 9 sub-accounts to your Everyday Options Account to help you manage your budget and different expenses.
Go to siteMore info
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Get $40 cashback on groceries when you spend $160 on your digital Visa Debit card within 60 days at Woolworths or Coles. New customers only. (T&C’s apply).
Go to siteMore info
Westpac Choice
Apple Pay Google Pay Samsung Pay Garmin Pay Digital Card
Westpac logo
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Eligible cardholders can get discounts when shopping at partner brands.

Go to siteMore info
ING Orange Everyday Account
Apple Pay Google Pay
ING logo
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
1% cashback on utility bills (T&Cs apply)

Access unlimited rebates on all international transaction fees when the account conditions are met.
Go to siteMore info
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Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

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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

    Default Gravatar
    antJanuary 12, 2022

    ME Bank does not support receiving OSKO, or sending payments by PayID
    https://www.mebank.com.au/support/error-when-receiving-funds-to-my-payid/
    https://www.mebank.com.au/support/when-can-i-pay-others-by-pay-id/

      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?

      Default GravatarFinder
      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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