A unique PayID will be generated for you, typically an email address, that’s linked to the business or organisation. You’ll start to see PayID being offered as a payment method across many businesses and organisations. Check with your financial institution what these limits are, as they may vary between financial institutions. Some payments may be subject to security checks which could delay a payment. If you believe someone is using your details as their PayID, please contact your financial institution.
PayIDs are managed by the financial institutions you registered them with. Both services add a layer of security to payments made in your online banking. It checks the account name, BSB, and account number you’ve entered against the details held by the recipient’s bank and displays a match outcome. When you send money to a PayID, you’ll see the name of the person or business it’s linked to, helping ensure your money goes to the right place. Payments to a PayID are sent through Osko, which means payments will typically be sent fast in under a minute, even between different financial institutions. A PayID is an easy-to-remember piece of information such as your mobile number or email address that’s linked to your bank account, that you can use to receive payments.
PayID can be accessed in the online banking of over 100 financial institutions. Age verification – platforms may ask you to share an image of your government-issued ID like a driver’s licence or passport to check your date of birth and confirm you’re over 16. From 10 December 2025, new social media age verification requirements will require some platforms to verify their users are 16 years or older. When you make a purchase or sign up to a new service online, you are often required to share personal information such as your name, address, date of birth and more. With ConnectID, our customers can securely verify their identity and maintain visibility over where they’ve shared their data, and with whom. ConnectID offers our customers greater control over their data, enabling them to share only what is necessary, all backed by the security of the CommBank app.
But remembering all those numbers and (read more) With PayID you can stay COVID safe (read more) One in four PayID users have stopped or edited a PayID payment, preventing a mistaken payment or money being sent (read more) Australian Payments Plus (AP+), Australia’s domestic payments provider has a renewed focus on using PayID and reminding customers of the (read more) Australian Payments Plus (AP+) is continuing to step up its efforts to make payments safer, faster, and more secure, by (read more)
Documents are checked in person only. No date of birth is shared online. A trusted adult or official checks your physical ID in person. You control when to share it — never stored on our servers. To be eligible to use a PayID for a PayTo agreement, the account must be eligible to send and receive NPP payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.
You can register your Australian mobile phone number2 or your email address as a PayID in the CommBank app or NetBank. First time payments to a new payee may be held for up to 24 hours as a security measure. Set up your mobile number or email address as your PayID in a few taps, search ‘PayID’ in the CommBank app.
For personal accounts however, if you have more than one mobile number, each could be used as a unique PayID. Creating a PayID is optional, and some financial institutions may already have a pre-registered PayID instant deposits for new account holders. Log in to your online banking where your PayID is registered and look for the option to move or transfer your PayID to another account or financial institution. If you can’t find these details, contact your main financial institution who can help locate where your PayID is linked to. PayIDs can be created in your online banking for eligible accounts. PayID is available in the online banking of participating financial institutions. The personal details you use to create your PayID is protected by your financial institution’s privacy policy.
If you believe you have been scammed, please contact your financial institution and report it to the police. PayIDs are managed by your financial institution and we will never contact you directly. You should be shown the name of the organisation or business registered to the PayID before you hit send. Simply enter the PayID in your online banking as you would when you’re paying someone. I have seen PayID as a payment method for some businesses online