FAQs

PayID and Osko (33)

• What is Osko®?

  Osko by BPAY™ is a near real-time payment. The service is built on the New Payments Platform and enables faster payments to a PayID or a BSB...

• What is the New Payments Platform (NPP)?

  The New Payments Platform is a centralised platform that facilitates real-time clearing and settlements of payments between participating Australian financial institutions...

• How do I make an Osko® payment to a BSB and account number?

  When paying to BSB and account numbers, you don’t need to choose if a payment will be processed via Osko...

• What's the purpose of the ‘Reference’ field when sending an Osko® payment?

  The Reference ID is an additional field 35 characters long, available when receiving in an incoming Osko payment.

• How will I know I've received a near-instant Osko® payment?

  If the payment is an Osko payment, you will see the transaction described as ‘Osko’...

• How will I know that I’m making an Osko® payment?

  When paying to a BSB and Account number and PayID, you’ll know it’s an Osko payment...

• Which Westpac business accounts are eligible for Osko® payments and linking to a PayID®?

  Westpac business accounts eligible for Osko Payments are...

• Will my PayID® be created automatically?

  No, the PayID service is optional so it is not created automatically. You’ll need to set up your PayID in Online Banking...

• How will I know who I can pay with Osko® and PayID®?

  The best way to find out who you can pay using Osko and PayID is to check with the person or business...

• What do I do if I make an incorrect PayID® or Osko® payment?

  You can request a payment recall or trace on your PayID and Osko payment through Online Banking or the Westpac App.

• Does it cost anything to use Osko® or PayID®?

  PayID and Osko cost nothing to set up and there are no fees for making and receiving payments via PayID or Osko...

• What should I do if I have issues setting up a PayID® or making or receiving PayID payments?

  If you experience any issues with PayID, please call us on 1300 655 505 8am-8pm Mon-Sun Sydney time...

• Can I only make an Osko® payment to a PayID®?

  No, an Osko payment can also be made to an eligible BSB and account number...

• How do I know that a PayID® belongs to the correct person?

  When making a payment to a PayID, the PayID name will be displayed before...

• How do I make a payment to a PayID®?

  To pay a PayID, when making a payment in Westpac Live on a desktop or from your...

• As a business customer, how will Osko® and PayID® payments affect my bank statements and exports?

  Osko and PayID payments can carry more payment information, including up to 280 characters of payment description...

• How do I use my PayID® to receive payments?

  Once you’ve registered your PayID, you’ll be able to provide it to your payers. When they go to pay you...

• What can I use as my PayID®?

  If you sign in to Westpac Live Online Banking as a Personal customer, you're able to use your SMS Protect number as the...

• What happens if my mobile number changes or I need to change my PayID®?

  Call us on 1300 730 408 to close your PayID and update your SMS Protect number..

• Can I have more than 1 PayID® or link to more than 1 account?

  Your PayID is a unique identifier that can only be registered at one bank and linked to one eligible account...

• How do I move my PayID® to another bank?

  Call us on 1300 655 505 (8am-8pm Sydney time, 7 days) and request to have your PayID put into a ‘transfer state'...

• How do I stop payments to my PayID® or de-activate my PayID?

  To temporarily stop payments to your PayID, contact the Help Desk on...

• What's displayed to people paying to my PayID®?

  Your PayID name is displayed to your payers before they confirm a payment, so they know it’s you they’re paying...

• Which Westpac corporate accounts are eligible for Osko® Payments?

  Westpac corporate accounts eligible for Osko Payments are...

• Which Westpac business accounts are eligible for linking to an ABN PayID® under a Business profile?

  Below are a list of business accounts eligible for linking to an ABN PayID...

• Can I make or receive international money transfers with Osko® or PayID®?

  No, Osko and PayID payments are only available for AUD transactions within Australia (domestic payments), find out more...

• What happens if an account I’m paying into cannot accept Osko® payments?

  If an account at another financial institution isn’t eligible to receive Osko payments...

• Are there any transaction limits with Osko® payments and payments to a PayID®?

  Osko payments and payments to PayIDs are subject to available funds...

• Which Westpac personal banking accounts are eligible for Osko® payments and linking to a PayID®?

  Westpac personal accounts eligible for Osko Payments are...

• Are Osko® and PayID® payments secure?

  Osko payments and payments to PayIDs can only be made through Westpac Online Banking ...

• How do I know if a payment is received to my PayID?

  If a payment was sent to your PayID, the details of the deposit will display your...

• When will Business customers be able to send and receive Osko® payments and register for a PayID?

  Westpac Business customers can now make and receive Osko payments to eligible accounts using a BSB and account number...

• Which financial institutions offer NPP services?

  For a full list of participating financial institutions and their services...