Faster payments

Send and receive money in seconds in Internet Banking or our Mobile Banking App.

You can now send and receive money in seconds between over 70 participating Australian financial institutions, with PayID smart addresses making paying and getting paid fast and simple.

A PayID lets you swap your BSB and account numbers for something more memorable – like a mobile number, email address or ABN. It also gives you more confidence when sending money, because when you use a PayID to send money you’ll automatically be shown the name of the person who owns that PayID before you approve the payment.


Let’s face it, remembering your bank details is tough. With all the numbers in our lives, who can remember their BSB and account numbers?

That’s where a PayID can help.

A PayID is a smart address for real-time payments that’s easy to remember – like your mobile phone number or email address. You can register a PayID with Credit Union SA in Internet Banking or our Mobile Banking App and link it to an account of your choice.

Then, when someone needs to pay you, just give them your PayID instead of your BSB and account number. Simple!

Faster and simplerPayID is designed to work seamlessly with the new Osko by BPAY service, which we have integrated into our Internet Banking and Mobile Banking App. You can now make and receive payments faster than ever before, 24/7.
Pay the right person every timeIf you’ve ever worried about sending money to the wrong person, PayID can help.

When you use a PayID to transfer money the system will automatically show you the name of the person the PayID is registered to before you send the money. So you can be confident knowing your money is going to the right place.

BSB and account numbers still existPayID is an easier way to pay someone – it won’t be replacing regular transfers or BPAY. You can choose not to register a PayID and continue using BSB and account numbers to pay or get paid by others (a PayID is easier, though).

    Faster and simpler

    Pay the right person

    Register your PayID today and enjoy faster payments!

    Registering a PayID is quick and easy, and can be done in Internet Banking or our Mobile Banking App:

    Mobile Banking App

    1. Update the App to the latest version
    2. Select Settings then Manage PayID from the menu
    3. Select Get started and follow the prompts.

    Internet Banking

    1. Log in to Internet Banking
    2. Click on the PayID icon in the top navigation bar
    3. Validate your identity with Two-factor Authentication*, then follow the prompts.

    Multiple PayIDs

    You can register multiple PayIDs to a single account…

    …but only one account to a PayID.

    So if you’d like to enjoy the simplicity of using a PayID on two or more accounts, you’ll need to register a unique PayID to each account.

    Osko by BPAY

    Osko, created by BPAY, is the user friendly system created to send and receive real-time payments using the NPP.

    Whether you’re paying a tradie, splitting a bill or giving money to family for something urgent – the money will be there in seconds. Osko has been integrated seamlessly into our Internet Banking and Mobile Banking App, allowing you to make real-time payments 24/7.

    What’s not to love about Osko?

    • Faster payments across over 55 institutions – and more to come
    • Available all day, every day – even weekends
    • You can use a PayID to pay and get paid with something simple like a registered mobile, email or ABN. Or you can still use a BSB and account number
    • It’s backed by BPAY and us, so it’s very secure
    • You can use 280 characters of text to describe who’s getting paid and why.

    Watch Osko in action

    Introducing Osko by BPAY

    Osko and PayID

    Not registered for Internet Banking?

    Call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide and we’ll get you set up in no time.

    Have a question?

    Read the Frequently Asked Questions on the NPPA’s website

    NPP Australia website NPP Frequently Asked Questions

    Concerned about faster payments?
    Contact us