What is PayID?

Send quick and easy payments in real time1

  • PayID is a memorable piece of information such as your mobile number, that you can link to your bank account to receive payments
  • Once linked, you can simply provide your PayID for payments instead of handing out your BSB and account number
  • If you need to pay someone who has registered for PayID, you’ll only need their PayID to transfer money directly into their bank account

Are you a business owner? You can also use PayID to receive payments to your eligible CommBank business transaction accounts.  Tell me more

What is an Osko® payment?

  • Osko by BPAY® is a secure payment service which enables you to send and receive near real-time payments using a PayID on the New Payments Platform
  • The service is available within the CommBank App, as long as you have downloaded the latest version
  • You won’t need to look for Osko in the app, as you’ll automatically be using the service when transferring to a PayID
  • When you send or receive a payment using PayID you may see the Osko logo in your payment confirmation or account transaction history. This indicates that the payment was sent via the New Payments Platform (NPP) infrastructure using Osko.

Why use PayID?

Transfer money to friends and family using their PayID as quickly and easily as you transfer money between your CommBank accounts.

  • Fast: Near real-time1 payments across participating banks
  • Easy: No more scrambling for your BSB and account number to get paid
  • Mobile: Available through the latest version of the CommBank app
  • Secure: Backed by our 100% security guarantee2
  • Simple registration: A few clicks and you’re ready

First time payments to a new payee may be held for up to 24 hours as a security measure.

How it works

Use PayID to receive money

To receive payments you’ll need to register your mobile number as a PayID using the latest version of CommBank app. It only takes a couple of minutes.

Friends and family will then be able to pay you through their own bank’s mobile or internet banking using your PayID.

Tell me more

Use PayID to send money

To send payments to someone else, they just need to provide you with their PayID.

This may be their mobile number however other PayID types may include email, ABN, ACN and landline phone number, depending on their bank. 

Tell me more

How to register

To create a mobile number PayID you'll need an eligible CommBank account, an Australian mobile phone number3 and the latest version of the CommBank app. To get started with PayID, follow these simple steps in the CommBank app: 

Step 1: open PayID in Commbank app

1. Select PayID from the menu

Step 2: confirm number

2. Confirm your mobile number

Step 3: confirm bank account

3. Select the account you want to use

Step 4: confirm name

4. Confirm the name others will see

You’ll be asked to confirm your new PayID details and verify your mobile number by entering a NetCode we’ll send to your mobile number. Once complete you will receive an email confirming that your registration has been successful.

Download the CommBank app

To register for PayID or to send payments between participating banks using PayID, you will need the latest version of the CommBank app. Learn how to update your software.

Safe & secure

Security features

PayID is a key feature of the New Payments Platform infrastructure designed to enable fast, safe payments between participating financial institutions. We’ve been working with the other Australian banks to ensure that payments are just as secure as the payments you make today.  In addition, CommBank customers benefit from a number of security features including:

  • NetCode SMS or in-app notifications for mobile number verification.
  • Payments made by CommBank personal customers using a PayID will be limited to a maximum $1,000.
  • Real-time fraud checks and holds to new payees.

Email safety

You'll only be able to register a PayID for a CommBank account by first logging into the CommBank app.

We will never send you emails asking you to confirm, update or disclose personal or banking information. If you receive an email that looks like it’s from us that you believe may be a hoax, please forward it as an attachment to hoax@cba.com.au

Learn how to stay safe online

100% security guarantee

We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.

Mother and daughter with tablet

FAQs

Do I need a PayID?

PayID registration is optional. You can send payments to a PayID without having a PayID yourself, and you can still use BSB and account number to receive payments if you want. If you choose to register for a PayID, the payment process is easier and you can receive payments faster.

Why can't I register though the CommBank app?

To register for PayID or to send payments between participating banks using PayID, you will need the latest version of the CommBank app. Learn how to update your software.

How many types of PayID are there? 

There are four types of PayID: phone number, email address, ABN/ACN and organisational ID. We offer mobile number as PayID via the CommBank app. We will introduce more PayID types at a later stage.

Can I register my mobile number as a PayID with multiple banks/accounts?

A single PayID, such as your mobile number, can only be registered with a single bank, to one account. An alternative PayID, such as an email address or ABN, can be registered with another financial institution, or to another account. We will introduce more PayID types at a later stage.  

Can I register a PayID and link it to my joint account?

Yes, joint personal account holders can link their own mobile number as a PayID to an eligible joint account. 

How private is PayID? I don’t want others to find out my phone number.

We won’t disclose your mobile number but the PayID name you select will be available for anyone performing a PayID interaction. If you would prefer not to register for a PayID, you can still use BSB and account numbers to receive funds from someone.

Which CommBank accounts are eligible for PayID registration?

There are a number of CommBank accounts which can be linked to your PayID. See the full list of eligible accounts

Things you should know

1 For security reasons, a hold may apply on first time payments. The delay allows fraud security checks to take place and gives you time to alert us to unauthorised or suspicious activity on your account. Subsequent payments should be received in under a minute.

2 We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.

3 To prevent fraud we can only allow you to register the primary mobile number already linked to your CommBank customer profile. If you would like to use a different mobile number or need to update your details please call 13 2221 6am - 10pm. Some services available 24/7. 

® Registered to BPAY Pty Ltd. ABN 69 079 137 518

View our full terms and conditions here: www.commbank.com.au/digital-banking/pay-id/terms-and-conditions