Updated financial transaction system
Using a PayID, you can make and receive payments in a matter of seconds, on average.
You can now get paid in a manner that is very close to real time using nothing more than your mobile number as a PayID. ABN PayID registration is also available to customers who have business profiles.
It is likely that your family and friends have saved your mobile phone number in their contact lists, and since your customers have your ABN, you won't have to worry about them asking you for your bank account information, which will make it much simpler for them to pay you. Payments will typically be received within a few seconds, but the process could take longer. This service is available around the clock, including on weekends and public holidays.
Now is the time to make a PayID.
Creating a PayID involves linking your mobile number or ABN to an eligible St. George bank account. Your name is on the bank account for George.
Log in to the Mobile Banking App, then go to Services and select "Manage my PayID details."
Sign into Internet Banking using a desktop computer, and then navigate to Manage my > PayID under the Transfer, Payments & BPAY menu option.
alternatively, My details and settings > My information > PayID
Note that in order to register for a PayID that is linked to one of your business accounts, you will need to be logged into Internet Banking using your Business profile. This is required in order to link a PayID to one of your business accounts.
Additionally, it is now much simpler to make payments to family members or friends using their registered PayID, even if those individuals bank with a different financial institution. You are able to pay with any PayID, whether it be a mobile number, an email address, a landline, an ABN (which includes ACN, ARBN, and ARSN), or an Organization ID. You will have the ability to attach a more detailed message to the transaction. Your communication will be delivered along with your payment. They are still able to use your BSB and account number, but it is much easier for them to use your PayID.
The best part is that this brand new feature can be accessed through internet banking as well as the mobile banking app.
Payouts made more quickly
You can make a payment in almost real time, which takes only a few seconds in most cases. You can do this 24 hours a day, seven days a week, including on weekends and holidays, between eligible accounts at participating financial institutions.
PayIDs or BSBs and account numbers can be used in place of PayIDs when making payments through Fast Osko®.
Making it easier for other people to pay you
By providing your mobile phone number, you can use something called a PayID to make it simple for other people to access information about your bank account.
Better information regarding payments
You can include up to 280 characters worth of additional information in your payment description.
What exactly am I supposed to do?
Make sure that the mobile number we have on file for you is up to date, and set up your PayID using either the Internet Banking or the Mobile Banking app on your device.
Osko by BPAY® enables these instant payments to be made between eligible accounts at participating financial institutions, 24 hours a day, 7 days a week, including on weekends and public holidays. The typical transaction time is less than a few seconds.
Near real-time processing will be used for all payments made to a PayID. If both parties have eligible accounts, only then will payments to a BSB and account number be processed in a timeframe that is close to real-time. When you send or receive an Osko payment, the transaction will show up in Online Banking as Osko. This is the case whether you send or receive the payment.
Learn more about Osko and his background.
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- What exactly is the PayID?
Customers with business profiles have the option of registering an ABN PayID in addition to their mobile phone number as a PayID. It's like a simpler alternative to your BSB and account number that you can easily remember. It is specific to both you and the bank account that is eligible for it. Your basic savings account number and account number won't change; they'll both continue to be the same.
- Does the implementation of PayID imply that I will no longer require my BSB and account number?
It is still possible to use BSB and account numbers. PayID is merely an alternate and significantly less complicated method of directing a payment to a bank account.
- How will I be able to use a PayID that is eligible to receive payments?
After you have created a PayID by using your mobile number (or ABN for business customers) and it has been activated, you can start giving your mobile number or ABN to people who need to pay you. This can be done as soon as the PayID you created has been activated. The activation of your PayID will only take a few moments at most. They will see your PayID name appear on the screen when they use it to make a payment to you. The money will be deposited straight into the bank account that you specified when you set up your PayID.
- How do I go about transferring money to a PayID?
When you make a payment online, all you need to do is enter the recipient's registered mobile number, email address, phone number, ABN (which includes ACN, ARBN, and ARSN), or Organization ID.
- How many different accounts am I able to link to my PayID?
Your PayID is a one-of-a-kind identifier that can only be connected to one of the qualifying bank accounts that is in your name.
On the other hand, if you have more than one mobile number, each of those numbers may have the potential to be created as a separate PayID for each separate Internet Banking profile. For instance, you can create a PayID for your personal account by using one of your mobile numbers, and you can create a separate PayID for your business profile by using the other mobile number, and then you can link that separate PayID to your business account.
- How do I set up a PayID for myself?
When you link your mobile number (or, for business customers, your ABN) to an eligible financial institution, you create a PayID. Bank account for George.
Log in to the Mobile Banking App, then go to Services and select "Manage my PayID details."
Sign into Internet Banking using a desktop computer, and then navigate to Manage my > PayID under the Transfer, Payments & BPAY menu option.
alternatively, My details and settings > My information > PayID
Note that in order to register for a PayID that is linked to one of your business accounts, you will need to be logged into Internet Banking using your Business profile. This is required in order to link a PayID to one of your business accounts.
- What is Osko®?1
Osko by BPAY® is a payment option that is almost instantaneous. Built on the New Payments Platform, the service enables faster payments to be made to a PayID that is linked to an eligible account or to a BSB and account number. When you send or receive an Osko Payment, the transaction will be labeled as Osko in your transaction history.
- I've had the ability to Pay to Mobile for some time; how is that different from PayID?
You can use a PayID to make payments to people in Australia who bank with participating banks at any time of day or night, including weekends and public holidays, and they will be processed in a timeframe that is very close to real time. In addition, when you make a payment to a PayID, the recipient's name will be displayed as soon as the transaction is complete.
- Is it safe and secure to use PayID?
Yes Only Internet and Mobile Banking are able to be used to make payments to PayIDs, and these transactions are subject to St. St. George Secure provides near real-time fraud screening and detection, and it is covered by George's.
- Do I need to complete any additional steps in order to get ready to use PayID?
Check to see that the mobile number and/or ABN that we have on file are still accurate.
Log in to the Mobile Banking App, then navigate to Services > Manage my PayID details to create your PayID. You can do this through the Mobile Banking App. Internet Banking can be accessed from a desktop computer by logging in and selecting the Transfer, payments, and BPAY > Manage my > PayID or My details & settings > My Information > PayID menu item.
Note that in order to register for a PayID that is linked to one of your business accounts, you will need to be logged into Internet Banking using your Business profile. This is required in order to link a PayID to one of your business accounts.
- What exactly is this New Payments Platform all about?
A total of 61 Australian financial institutions are currently participating in the New Payments Platform, which is a centralized platform that enables payments to be cleared and settled in a timeframe that is very close to real-time.
St George is connected to the New Payments Platform, which contributes to the accelerated, streamlined, and streamlined processing of payments in Australia.
- Do I need to perform any additional steps in order to get Osko® ready for use?
Your participation in the process is not required for eligible accounts to be able to receive Osko Payments.
- Is there a cost associated with utilizing Osko® or PayID?
PayID and Osko® Payments are both free to use in Internet Banking at this time, and there are no fees associated with their use.
- Is it possible for me to opt out of receiving payments from Osko?
There is no way to opt out of being paid by Osko; this choice is not available.
- What kinds of payments can be made using Osko instead of traditional methods?
When certain conditions are met, a payment can be processed as an Osko payment:
- It is a one-time payment only.
- It originates from one of the eligible accounts.
- You have sufficient available funds
- The recipient possesses a qualifying account at a financial institution that is a participant in the program.
- The payment is due right now and will not be made again in the future or on a recurring basis.
- Where can I find information regarding the transaction limits that apply to Osko payments and payments made to PayIDs?
Your Osko payments are dependent on the amount of money in your account and are included in your St. Maximum daily transfer amount for George's Internet banking In addition, the maximum amount that can be transferred from Osko to PayID is $5,000.
- Can I use Osko® to make payments to customers in other countries?
No, Osko can only be used to make transactions in Australian dollars within Australia.
- Which organizations in the financial sector provide NPP services?
- What occurs in the event that an account held at another financial institution is unable to accept faster payments?
If an account is unable to process payments at a faster rate, we will make an effort to transfer the funds via one of the other available payment methods.
- How will I be notified that a near real-time payment has been made to me?
Osko or the Osko logo will appear next to the transaction in Online Banking if the payment is made in a time frame that is relatively close to real time.
- To which types of consumer accounts can Osko payments be made (to a BSB and account number or to a registered PayID)?
Complete Freedom Complete Freedom Offset Complete Freedom Student Concession Account Direct Saver* DIY Super Direct Saver* DIY Super Direct Saver* Express Freedom Express Saver* Freedom Freedom Cheque Freedom Offset Freedom Offset Cheque Freedom Plus Gold Cash Management - Cheque* Gold Cash Management - Savings* Incentive Saver* Investment Cash Account* Investment Savings Complete Freedom Complete Freedom Offset Complete Freedom Student Concession Account Direct Saver* DIY Super Direct Saver* DIY Super Direct Saver* Express Freedom Complete Freedom Complete Freedom Offset Set-Off* Investment Savings* Maxi Saver* Portfolio Cash Management Account - Cheque* Portfolio Cash Management Account - Savings* Portfolio Loan - Cheque* Portfolio Loan* Power Saver* Retirement Access Plus Retirement Access Plus - Cheque School Saver Sense Everyday Sense Savings* Set-Off* Investment Savings* Maxi Saver* Portfolio Loan*
Pure and Simple Liberty
* These accounts are only qualified to receive Osko payments from the outside world. e You are only able to receive payments made through Osko to these accounts; you are unable to make payments through Osko using these accounts.
- Which business bank accounts can receive Osko payments—those with a BSB and account number, as well as those with a PayID that has been registered—and why?
Direct Account* Direct Saver* DIY Super Direct Saver* DIY Super Direct Saver* Express Freedom Express Saver* Freedom Freedom Cheque Freedom Offset Freedom Offset Cheque Freedom Plus Gold Cash Management - Cheque* Gold Cash Management - Savings* Happy Dragon Incentive Saver* Investment Complete Freedom Complete Freedom Offset Complete Freedom Student Concession Account Direct Account* Direct Saver* DIY Super Direct Saver* DIY Super Direct Saver* Express Freedom Cash Account* Investment Savings Set-Off* Investment Savings* Investor Plus Maxi Saver* Open Line Cheque* Personal Cheque Portfolio Cash Management Account - Cheque* Portfolio Cash Management Account - Savings* Portfolio Loan - Cheque* Portfolio Loan* Power Saver* Retirement Access Plus Retirement Access Plus Cheque School Saver Sense Everyday Sense Savings* Cash Account* Investment Savings Set-Off* Investment Savings* Investor Plus Maxi Saver* Open Line Cheque* Personal Cheque Portfolio Cash Management Account
Pure and Simple Liberty
* These accounts are only qualified to receive Osko payments from the outside world. e You are only able to receive payments made through Osko to these accounts; you are unable to make payments through Osko using these accounts.
- I want to make an Osko Payment, but I'm not sure if I can only use a PayID.
Business Access Saver Business Cheque Business Cheque Plus Business Chq Superannuation Business Loan Variable Business Maximiser Business Umbrella Investment Loan - Chq Business Umbrella Investment Loan - Sav* Call Deposit Cash Management Commercial Line Of Credit Commercial Loan Variable Commercial Money Market Commercial Overdraft Freedom Business Fully Drawn Advance* Government Business Access Saver Business Cheque Business Cheque Plus Business Chq Superannuation Business Loan Variable Business Maximiser Business Call Deposit Cash Management Commercial Line Of Credit Commercial Loan Other Trusts: GST Provision Law Society Statutory Law Society Trust Other Trust PCMA Business Real Estate Trust Regulated Trust Society Cheque Solicitors Trust Account Government Agency Sweep Government Agency Trust GST Provision Law Society Statutory Law Society Trust
Standby
* These accounts are only qualified to receive Osko payments from the outside world. e You are only able to receive payments made through Osko to these accounts; you are unable to make payments through Osko using these accounts.
- What steps can I take to ensure that the PayID I am using belongs to the correct payee?
When you make a payment to a PayID, the payee's name and the payee's PayID will both be displayed. This will allow you to verify the payee before you actually confirm the payment.
- How will I determine who I am able to pay?
Checking with the individual or organization that you intend to make a payment to is the most effective way to determine whether or not you are able to pay them with Osko® and PayID.
Ask these questions:
- Are they clients of a bank that takes part?
- Do they possess an account that meets the requirements?
- Have they established a PayID account?
- What are the steps to transferring my PayID?
In order to use a PayID that you have established with one financial institution to make purchases at St. George, in order to get this process started, you will have to contact the other financial institution.
- Request that they place your PayID in a state that allows transfers.
- After that, proceed to the St. Download the St. George Mobile Banking App, sign in to Mobile Banking, and go to the Services menu and select PayID.
Alternatively, on a desktop computer, log in to Internet Banking and navigate to the "Manage my" tab before selecting "PayIDor."
My information > PayID can be found under the "My details & settings" menu.In order to move a PayID that was created with St. If you wish to transfer George to a different financial institution, please call our Help Desk at 13 33 30.
- Request that your PayID be put into a Transfer state from our end.
- The next step is to complete the transfer by getting in touch with the other financial institution.
Osko Payments to your PayID will be directed to your account with us while the transfer is being completed.If the transfer is not finalized within 14 days, the transaction will be considered invalid, and your PayID will continue to be associated with your St. Account for George At any time, you can send us a request to transfer your PayID back to you.
Payments made to your PayID will no longer be received into your St. George account once it has been successfully registered at the other financial institution. Account for George
- How do I determine if a payment has been successfully sent to my PayID?
If a deposit was made to your PayID, the transaction details will include both your PayID and the name associated with your PayID.
- What name is shown to people who are paying me using my PayID?
Customers who are using their personal profiles will have their first and last name as their PayID name, while customers who are using their business profiles will have their registered business entity name as their PayID name. When you go to make your PayID, you will be presented with this information.
There is no option available to alter the name that is displayed.
Even if you don't register a PayID, you can still have money transferred to your eligible account in a timeframe that's very close to real-time, even if you don't want your name to be displayed.
- Will my PayID be generated on its own without my intervention?
You cannot use an existing PayID; you will need to create a new one within St. George Internet Banking can be accessed from a desktop computer or the St. George ATM. George Mobile Banking App
- What kind of information can I use as my PayID?
You can create your PayID with your mobile number if you want to. ABN PayID registration is also available to customers who have business profiles. (You will need to be logged into Internet Banking using your Business profile in order to register for a PayID that will link to one of your business accounts.) )
- What will occur if I am unable to provide a Secure Code?
If you haven't already given us your mobile number, you can reach us by calling 13 33 30 from within Australia or 61 2 9155 7850 from outside of the country. You'll be able to sign up for a Stitch Fix subscription if we already have a mobile number on file for you. George Secure Code:
To retrieve your SMS code and token, open the Mobile Banking app and navigate to Self serve > Security and access > SMS code and token.
To change your security settings, navigate to Internet Banking and select Services & preferences > Preferences > Security.
You will need to give us a call if you are a Personal customer who is currently making use of a token in order to switch to a St. George Secure Code
- What should I do if I need to change my ABN or my mobile phone number?
Simply give us a call on 13 33 30 to cancel your PayID and have our records updated with your new Secure Code number or ABN.
After that, you will be able to create a PayID using the new information you provided.
- Which of my existing accounts can be linked to my PayID?
You will have the ability to choose from among the eligible accounts to link to your PayID when you are creating your PayID. You are only able to link your personal PayID to accounts that are in your name, while your business PayID can only be linked to accounts that are owned by the business.
- What are the steps I need to take to deactivate or stop receiving payments on my PayID?
Get in touch with us at 13 22 66 to temporarily halt payments made to your PayID so that we can lock your PayID. After that, when you are ready to use it once more, you can give us a call and ask us to unlock it for you.
- While we are monitoring PayID usage to prevent misuse and fraud, we reserve the right to lock your PayID if we have reason to suspect that your PayID is being used inappropriately or is being used to fraudulently obtain payments. It is also possible that we will disable your PayID if the linked account can no longer accept payments. Under these conditions, you might find that your ability to unlock the PayID is limited.
Get in touch with us on 13 22 66 to close your PayID and put an end to all future payments being made to it.
- You will no longer be able to receive payments to your PayID once it has been closed; however, you will still be able to receive fast Osko payments to your eligible BSB and account number.
- Your PayID can be re-created at any time with a financial institution that is a participant, even after it has been closed.
- Because we monitor PayID usage to prevent abuse and fraud, we reserve the right to deactivate your PayID if it becomes involved in a PayID Registration Conflict, the PayID in question has been inactive for at least six months, and you are unable to provide evidence that you have the authority to make use of it. In the event that you deregister from online banking, it is possible that we will terminate your PayID.
- Why is it that I am unable to connect my PayID to an account that I am authorized to use?
It is imperative that a PayID accurately represents the account's owner in order to guarantee that funds are being deposited into the correct account by the payer. Because having the authority to use access is not the same thing as having ownership of the account, you are unable to link a PayID to it.
- Why was I not given any prior notice before my PayID was cancelled?
We have an obligation to close a PayID whenever we discover a discrepancy between the PayID and the profile of the applicable customer. This is done to ensure that the integrity of the account maintenance is maintained.
Information that is essential to know
BPAY® is the company that developed Osko, which is an overlay service that enables quick payments to be made.
For Osko payments to be processed more quickly, both the sending and receiving bank accounts need to be enabled. On some STG accounts (including credit accounts), to offshore bank accounts, or for transfers in a foreign currency, Fast Osko payments will not be available.
In certain circumstances, such as when there is a technical interruption to the service, when there is a payment to a payee for the first time, or when the payment is caught for additional security screening, the processing time for payments may be extended.
BPAY and Osko® are both trademarks that are registered to BPAY Pty Ltd ABN 69 079 137 518.
© St The Australian credit license number 233714 is held by George, a division of Westpac Banking Corporation, which has the ABN 33 007 457 141.
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