Osko, PayID and the New Payments Platform

Faster, simpler payments using Osko and PayID now available.

Create your PayID for fast and simple payments.

Register a PayID to pay or get paid with your mobile phone number or email address

What is the New Payments Platform?

The New Payments Platform (NPP) is a major industry initiative to develop new infrastructure for payments. It provides Australian consumers, businesses and government faster, simpler, smarter payments through a fast, versatile and data-rich payments system. Regional Australia Bank members are able to send and receive payments to family, friends and business in near real-time.
  • Fast: Payments are made in near real-time to other banks, typically in less than 1 minute.
  • 24/7: Fast payments are available between different Australian banks 24/7, 365 days a year, including weekends and public holidays – so you can make and receive payments outside of normal banking hours.
  • Simple: You’ll be able to link a simple address known as a PayID, such as your mobile number or email address, to your eligible bank account to make and receive payments.
  • Data-rich: You can include more information with payments - you’ll be able to include 280 characters of text with your payment.   
  • Secure: NPP payments are subject to Regional Australia Bank's real-time fraud screening and detection capabilities.


Use the tabs at the top of this page to find out more about PayID and Osko by BPAY®. Be sure to also look at our Account & Access Facility Conditions of Use.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

PayID, Osko and the New Payments Platform

PayID makes payments simple

A PayID is something easy to remember that you securely link to your Regional Australia Bank account - like your mobile phone number or email address. From then on, instead of having to share you BSB and account number, you can use your PayID instead.

Pay the right person

With PayID, you can forget the worry of getting other people's bank details wrong. Make a payment using a PayID and you'll automatically be shown the name of the person you are sending the payment to. All you have to do is confirm it's the right person before approving the payment.

Share your details securely

Payments made using PayID are subject to Regional Australia Bank's current real-time fraud screening and detection capabilities.

What PayID's can I create?

Your PayID can be selected from your contact details in your internet bank so it is first important to make sure your contact details are correct and up to date. The range of PayID types currenctly enabled for Regional Australia Bank members are:

  • Mobile phone numbers
  • Email Addresses
  • ABN (Australian Business Number)
  • Organisation ID (a customised identifier for your organisation set up and provided by Regional Australia Bank; these are used for business customers only)


Use the tabs at the top of this page to find out more about PayID and Osko by BPAY®. Be sure to also look at our Account & Access Facility Conditions of Use.


® Registered to BPAY Pty Ltd ABN 69 079 137 518

Osko, PayID, Bpay, the new payments platform

Pay and get paid faster

Osko is a new, faster way to pay with your Regional Australia Bank internet banking and mobile banking app. Whether you’re paying a babysitter, splitting a bill with friends at a restaurant or giving money to family for something urgent – the money will be there in minutes.

Goodbye cash. Hello Osko.

What's not to love about Osko?

  • Faster payments across over 50 financial institutions, 24/7 – even weekends!
  • You can use 280 characters of text to describe who is getting paid and why.
  • You can use a PayID to pay and get paid with something simple like a registered mobile, email or ABN. Or you can still use a BSB and account number.
  • It's backed by BPAY and us, so it's very safe and secure.


Use the tabs at the top of this page to find out more about PayID and Osko by BPAY. Be sure to also look at our Account & Access Facility Conditions of Use.


® Registered to BPAY Pty Ltd ABN 69 079 137 518

What is a PayID?

A PayID is something easy to remember, like a phone number or email address that you can securely link to your Regional Australia Bank account. Then when somebody wants to wants to pay you give them your PayID instead of your BSB and account number. Simple as!

What is Osko?

Osko is a service built on the New Payments Platform which will enable near real-time payments, typically in less than a minute, 24/7, including weekends and public holidays.

Payments made using Osko will allow you to make and receive instant payments between participating banks in Australia using an eligible BSB and account number or a PayID linked to your bank account.

What types of PayID can I use?

Regional Australia Bank members can register a mobile phone number or an email address.

Regional Australia Bank business members can register an ABN (Australian Business Number ) or a unique company ID.


How do I register a PayID?

To register a PayID you first must ensure that you are registered for internet banking and your contact details are correct. You can call the service support centre on 132 067 to assist you with these steps.

To register a PayID:

  1. Log into internet banking 
  2. Go to 'Settings'
  3. Go to 'PayID'
  4. Select the contact detail you would like to use as your PayID. This could be your phone or email address
  5. Select which account you want securely linked to your PayID.
  6. Enter a verification code that will be sent to your mobile or email. 
  7. Accept the terms and conditions.
  8. Click 'create'


How do I pay someone using their PayID?

Once your PayID has been created you can give it to people or companies that need to pay you.

To pay someone using their PayID you can use Osko by BPAY®

  1. Log into internet banking
  2. Go to 'transfer' and select account.
  3. Select 'New Payee'
  4. Select a 'Transfer method' (PayID Type)
  5. Enter the PayID details and verify that the PayID is registered to the person you want to pay.
  6. Enter the amount and description of payments (up to 280 characters)
  7. Go to 'Next'
  8. Confirm the details area correct and select 'Ok'


® Registered to BPAY Pty Ltd ABN 69 079 137 518

When using a PayID how do I know it is going to the right person?

When you use a PayID with a service like Osko, the name of the person who owns that PayID is shown immediately before you approve a payment. Then all you have to do is confirm the payment.

You can still use a BSB and Account number if you prefer.

What happens if I need to change my PayID?

As your PayID is linked to your contact details you will need to call the Service Support Centre to update the contact details that have changed.

You will then have to register your new PayID against your new email, mobile phone number or ABN.

Regional Australia Bank service support centre can help you do this. Please call 132 067

Can someone else set up a PayID using my details?

If you have already registered your PayID it cannot be linked to another account. Registering a PayID requires a number of steps to prove you are the rightful owner of the information you wish to use for a PayID. Unless a person has these details it will be hard for them to link your PayID to their account.

Who will support Osko and PayID?

Regional Australia Bank members are part of the first group to be able to register a PayID and use Osko. There will be over 50 banks, credit unions and building societies who will be offering Osko and PayID and more will follow later in 2018.

Is Osko and PayID safe and secure?

Osko and PayID payments live within in your internet banking so payments made using Osko or using a PayID maintain the same level of security that already protects your existing internet bank accounts.

PayID payments are monitored 24/7, 365 days of the year.

As always, members should remain alert to the possibility of cons and scams particularly if they receive unexpected requests via social media, emails or SMS for urgent payments or account information.

To report a suspicious activity or payment please contact the Service Support Centre immediately on 132 067

Where can I find more information on the NPP, Osko and PayID?

You can visit the following pages to find out more about the New Payments Platform, PayID and Osko:

The New Payments Platform - www.nppa.com.au

Osko by BPAY® - www.osko.com.au

PayID - www.payid.com.au


® Registered to BPAY Pty Ltd ABN 69 079 137 518