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Using PayID

Learn how to use PayIDand fast payments.


PayID is a simpler way to receive payments. It replaces the need to provide financial account details, such as BSB and account number, when receiving payments.

PayID allows you to use something that you already remember, such as your email address or phone number. It is safe to share your PayID. A PayID also means you don’t have to share your BSB and account number anymore, so you can keep those details private.

Also, if you’re worried about sending money to the wrong person, PayID will help with that too. When you make a payment to a PayID, the name of the person who owns it is shown to you before you approve the payment.

PayID is secure. When you create a PayID, all information is stored in a secure, encrypted data repository. It will not replace BSBs or account numbers, but you can use your PayID as an easy to remember substitute.

PayID support

When paying to a PayID, you will be presented the PayID Name which represents the title of the account you are paying. You should ensure that the PayID name accurately represents your intended payee before continuing with the payment. Any queries about the PayID name you are paying should be directed to the payee.

Locking a PayID temporarily stops the PayID from being able to receive payments. You will still be able to receive payments to your BSB and account number.

You can transfer your PayID to a Bendigo Bank account from another financial institution. To do this contact us on 1300 236 344 or visit your local branch.

The PayID name represents the account name and is not able to be changed if you decide you don’t like it.

You can create a PayID, regardless of whether you have e-banking or not. However, you will not be able to make payments to a PayID. To take full advantage of faster simpler payments, we strongly recommend registering to Bendigo e-banking.

Only accounts that are eligible for PayID, and you have appropriate rights on the account, will be visible and available to you when creating a PayID in e-banking. 

If you don't receive the six digit verification code when creating a PayID ensure that the phone number or email address is correct and that you have access to that mobile phone or email address to retrieve the code. If you still don’t receive the code, contact us on 1300 236 344 or visit your local branch.

If you lose your mobile phone and that number was also your PayID the PayID can remain unchanged because a PayID is a simpler way to receive payments. Unless you have to change your mobile phone number. Then if you do get a new mobile phone number, you will need to close that PayID and create a new PayID with the new mobile phone number.

Fast payments

Fast payments are safe and secure. All financial institutions offering fast payments must meet strict requirements. This includes the capability to detect and respond to fraudulent activity in real-time.

Osko uses world leading technology certified to the highest data security standards and monitored 24 hours a day, seven days a week. All payments made are also subject to our own real-time fraud screening and detection systems.

As always, consumers 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.

  • You don’t need a PayID to make fast payments. PayID is something you can use if you want to simplify the payments process by not having to remember BSBs and Account Numbers.
  • Anyone who is registered for Bendigo e-banking with a security token and Pay Anyone limit can make fast payments.
  • Anyone with an account that can receive direct credits can receive fast payments.
  • Your Pay Anyone daily payments limit remains the same for fast payments.
  • Fast payments are also available on two to sign accounts. The approval times are the same as today, you will have 7 days to approve a payment or it will drop off.
  • Osko by BPAY is separate to BPAY and BPAY View. Osko by BPAY will not replace these services.
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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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