Different ways to send or transfer money online

PayID®

PayID® is a fast and secure way to get paid, by simply using your mobile number. All you need to do is register your mobile number as a PayID for an eligible bank account using Online Banking or the Westpac App. Set up is free and takes two minutes, and there are no fees to use it.

All the payer needs to know is your mobile number instead of your BSB and account number, making it a quick and straightforward way to split a restaurant bill, collect money for a shared gift, sell something online, or send money to a loved one.

PayID transactions have the same level of security as your existing bank account payments, making it a safe and trustworthy way to send or transfer money online. 

Sending money overseas

If you need to send money to loved ones overseas, you can do so quickly and securely in most foreign currencies via Online Banking or the Westpac App.

To use Westpac online banking to transfer money overseas, you’ll need to be a Westpac customer and be registered for both online banking and Westpac Protect SMS Code (a $20 fee applies).

You’ll pay no international transfer fees when you send foreign currency overseas from Australia via Online Banking or the Mobile App.

You can also receive money from overseas into your Westpac account. 

Sending money within Australia

When it comes to domestic transactions, Westpac’s online banking and App offer a hassle-free method to send or transfer money to another Australian bank account. You can choose to send money by using the account name, account number and BSB number.

Alternatively, you can use PayID to send money within Australia, simply by using the recipient’s mobile number. 

Pay to Mobile

You can also split a restaurant bill, or send money to friends simply and securely using Pay to Mobile. All you need is the Australian mobile phone number and an Australian bank account to receive the funds.

Use online banking to Pay to Mobile, and you’ll be prompted to activate Pay to Mobile when creating your first Pay to Mobile payment.

Paying bills with BPAY®

BPAY is a fast and hassle-free way to pay your bills using online or mobile banking. To make a payment using BPAY you’ll need the following details:

• BPAY® Biller code of the institution from which the account is held
  
  
• Customer Reference Number for the account you wish to pay.
  
   

Automated payments

If you prefer a set-and-forget approach to your bills, the automatic payments feature enables you to set up recurring payments for regular bills, such as electricity, gas and phone bills, directly from your linked card. This convenience ensures your bills are always paid on time, and some providers even offer discounts if you set up automatic payments.

Each service provider will have their own requirements for automatic payments, so it’s best to contact the service provider you want to set up an automatic payment with. You’ll need to supply your Westpac credit or debit card details.

If you prefer to set up automated payments from your Westpac bank account rather than linked credit or debit card, you can do so via direct debit in Online Banking or the Mobile App. 

To sum up

So, no matter how you choose to bank, Westpac has a range of secure, fast and simple solutions for sending and transferring money. Whether you’re using the convenience of PayID®, the ease of automated payments, or the simplicity of BPAY®, you can choose to transfer money however you like.