PayID

Fast and easy payments

A PayID® is an easy-to-remember piece of information, such as a mobile number, email address, ABN, or Organisation Identifier, that’s linked to a bank account. It makes sending and receiving money through online banking fast and easy.

Some businesses may provide you with a unique email PayID to use when making a payment. This works the same way as paying to any other PayID.

Pay with more confidence 

The best part about paying to a PayID is that you’ll be shown the name linked to the PayID before you hit send, helping protect you from fraud, scams, and mistaken payments.  

Scam alert: Be aware of ‘scambling’​

‘Scambling’ is slang for illegal online gambling platforms advertised on social media and messaging apps that trick people to visit a scam website to participate in gambling. If you are asked to transfer funds to a PayID on an illegal gambling site, it is almost certainly a scambling website. Contact your financial institution if you think you’ve been ‘scambled’. 

Be scam aware

When using PayID, stop and check you're paying the right person or business before you hit send. ​
​
You should also remember: ​

  • PayID will never contact you directly. Not ever. ​
  • Emails or text messages claiming to be from PayID are a scam. ​
  • PayID will never ask you to send money to receive money or ask you to ‘upgrade your account’.​

Have you been ‘scambled’?​

  • Be aware of illegal online gambling scams. 
  • If you are being asked to transfer money via PayID on illegal gambling sites, this is a scam.
  • You cannot win money from these sites, or get your money back if you have been ’scambled.

If you believe you have been scammed, please contact your financial institution. ​

Helpful resources​ from Fintel Alliance​
PayID for consumers

Send and receive money fast in your online banking.
Explore PayID for consumers
PayID for business

Use PayID to receive fast payments for your business.
Explore PayID for business

PayID is already in your online banking

PayID is offered by over 100 financial institutions. It’s typically built into the ‘Pay Anyone’ section in your online banking.

Latest PayID news and
updates
Case study: Curtin University simplifies student payments with PayID
Global higher education institution Curtin University has introduced PayID as a payment option for students, providing a fast and convenient way to pay (read the article)
16 September 2026
​Scams Awareness Week: How AP+ is building scam protection into everyday payments
Australian Payments Plus (AP+) is continuing to step up its efforts to make payments safer, faster, and more secure, by (read the article)
25 August 2025
Stay scam safe, use PayID 
Australian Payments Plus (AP+), Australia’s domestic payments provider has a renewed focus on using PayID and reminding customers of the (read the article)
12 July 2023
Chubb breaks new ground with ANZ, offering instant payouts via the NPP
ANZ has partnered with Chubb Insurance to develop the first real-time claims process to use the NPP and PayID via (read the article)
17 May 2023
Fight scammers with PayID
In 2021 Australian businesses and consumers lost $227 million to scammers who pretended to be another person or company – (read the article)
18 July 2022
PayID fights fraud and mistaken payments
One in four PayID users have stopped or edited a PayID payment, preventing a mistaken payment or money being sent (read the article)
18 July 2022
Instant payments from the Bank of Mum or Dad
The teens are back at school. Ah, the serenity… But then the phone rings and you hear a familiar voice. (read the article)
1 February 2022
PayID is a COVID safe way to receive a payment
Do you need someone to pay you, but not keen on touching cash at the moment? With PayID you can stay COVID safe (read the article)
24 January 2022
Fat thumbs be gone! Say goodbye to mistakes with PayID
BSB and account numbers play an important role in our banking system, providing information needed to pay money into an account.   But remembering all those numbers and (read the article)
15 December 2021
‘Tis the season to split the bill with PayID!
Breaking notes, counting coins, or waiting for an irritated waiter to pass around a pos machine can kill the vibe of a great night out.    If the (read the article)
9 December 2021
Buying a present for the best teacher in the world?
Use PayID and collect money quickly, without mistakes. A class collection is a great way to give your teacher an extra special gift. But organising one can be (read the article)
1 December 2021
Cubbi uses PayID for instant rent payments and to fight fraud
Michael Gilbert, Co-founder and Co-CEO of Cubbi, says PayID plays a big part in the online property management platform’s success.  “When a renter pays their rent using PayID, it can be (read the article)
30 November 2021
PayID brings peace of mind for Zara King Photography
Zara King is a photographer for some of Australia’s up and coming models. She also provides photos for corporate and (read the article)
30 June 2021
PayID supports instant and accurate donations
Donations are the lifeblood of many non-profit volunteer groups. PayID provides an instant and reassured way for donors to show (read the article)
30 June 2021
PayID turbocharges online share trading
Superhero uses PayID to give its online investors the speed they need to ride the fast-paced share market. Superhero is (read the article)
30 June 2021
Pilates Basement pivots online thanks to PayID
Faced with the prospect of Victoria’s prolonged COVID19 lockdown, owner of boutique fitness studio ‘The Pilates Basement’, Casey Bennett, had (read the article)
30 June 2021
PayID sparks growth for candle making side hustle
Setting up a side hustle can be time consuming and daunting, especially if it takes off quickly. But as Melissa (read the article)
30 June 2021
PayID a game changer for Carly’s Coffee Couriers
Carly’s Coffee Couriers was one of the first businesses to advertise PayID as a payment method soon after it launched (read the article)
30 June 2021
Azupay broadens NPP services
Following the debut of AzupayID, fintech Azupay has evolved its NPP services, solving for complex real-time disbursements as well as (read the article)
3 December 2020
Five million PayIDs registered in Australia
Five million PayIDs have now been registered by Australian consumers and businesses looking for a simple and cashless way to (read the article)
24 July 2020
Small businesses replace cash with PayID during COVID-19 crisis
As businesses battle the challenges presented by the COVID-19 crisis, more are advertising PayID as a payment alternative to cash, (read the article)
11 May 2020
PayID and privacy
PayID is an optional new payment addressing service that enables users to elect somethingeasy to remember - like a phone (read the article)
17 February 2018
PayID is coming soon - Media release
Australian's can soon forget their BSB and account number, because so many of us already do. From today, a national (read the article)
9 February 2018

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View our Reconciliation Action Plan (PDF)

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