Faster transactions

Send and receive Osko®  payments using a mobile number, email address, ABN or Organisation Identifier as your PayID.

Faster transactions

Easy identification

A simpler alternative to a BSB and Account number, PayID is an easier-to-remember option for account identification.

Easy identification

More secure payments

When using PayID to make payments, you will know your money is going to the right person or business before you hit send.

More secure payments

Simple and free of charge

Create your PayID for simplified transactions through your NetBanking or by using SCCU mobile app with no additional fees.

Simple and free of charge

Need to pay something quicker?

With PayID, sending money is simple, secure and quicker at anytime, day or night. Instead of sharing long BSB and account numbers, you can use something easy to remember, like an email address or mobile number. If a business, your ABN or organisation ID can be used instead.

Whether you’re paying a friend back for lunch, splitting the bill at dinner, or transferring money on the spot, PayID makes fast payments easier than ever.

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What is PayID?

  • PayID is a simple way to receive payments without needing to share your BSB and account number. Instead, you can link something easy to remember, such as your mobile number or email address to your bank account. To receive payments, simply share your PayID with the payer. To pay someone, ask for the payee’s PayID. No other bank details required.

Limits & Fees

  • Up to $5,000 combined per day across all accounts. PayID transactions are processed via Osko.
  • No limits apply when receiving funds via Osko.
  • No fees or charges apply to using PayID for your fast payments.

Usage Details

  • Available 24/7, processing payments via Osko in under one minute. Some payments could be subjected to security checks and delayed.
  • Accessible only via NetBanking your Mobile App – not available in-branch or by phone.
  • You can also set up multiple PayIDs if you have more than one account, or move your PayID between different accounts or financial institutions.
  • Fast payments are irreversible once authorised; there is limited chance of recovery if sent in error. Make sure to double-check the recipient details.
Log into NetBanking Download the app

How to Use PayID

To start sending and receiving money with PayID, simply create your PayID via NetBanking. To receive payments, share your PayID with the payer. To pay someone, ask for the payee’s PayID. Simple like that, no other bank details required.

Tip: Click the drop down for the details.

  • 1How to create your PayID

    How to create your PayID

    Setting up your PayID with SCCU only takes a few minutes, and you can do it through NetBanking or the SCCU mobile app.

    • In NetBanking: Go to Settings in the top menu, then select Manage PayID. Choose the contact you’d like to use (such as your mobile number or email) from the dropdown menu on the page, link it to your preferred account, and verify with the one-time password sent to you either via SMS or email.

    • In the SCCU mobile app: Open the menu and select My details, then My PayID. Tap Set Up, choose your contact and the account to link and save. Make sure you accept the Terms and Conditions and confirm the set up with the one-time password sent to you either via SMS or email.

    You will receive a confirmation that your PayID is ready to use for faster, simpler payments.

  • 2Make fast payments using PayID in NetBanking

    Make fast payments using PayID in NetBanking

    Log into NetBanking:

    1. Click on ‘Payments’ on the top menu.
    2. Select ‘Transfer Money’ from the dropdown menu.
    3. Choose the account you wish to use for the money transfer/payment and the payee details to receive the payment.
    4. If an existing payee with PayID, simply search for their name in your payee list.
    5. To include a new contact, click on ‘New Payee’ and select the appropriate transfer method to upload the payee PayID between the options ‘Email Address’, ‘Phone Number’, ‘ABN’ or ‘Organisation ID’.
    6. Give the payee a ‘Nickname’ so the payee is added to your Address Book for future use.
    7. Alternatively, you can proceed using their regular BSB/Account number.
    8. Enter the details of the payment amount and transaction message.
    9. Review your payment details and make sure you are paying the correct person or business before confirming your transaction and click ‘Next’.
    10. Submit transaction.
  • 3Make fast payments using PayID in SCCU mobile app

    Make fast payments using PayID in SCCU mobile app

    Open your SCCU mobile app:

    1. Click on menu at the top left of your mobile app screen.
    2. Select the option ‘Pay’ from the dropdown menu or click on ‘Pay’ at the bottom of your mobile app screen.
    3. Choose ‘Pay Anyone’.
    4. Choose payee from list of existing payees or create a ‘New Payee’.
    5. If creating a new payee, select the payee identifier from the options ‘Email Address’, ‘Phone Number’, ‘ABN’ or ‘Organisation ID’.
    6. Choose the contact details from your device saved contacts or enter the contact details manually. For example, the payee mobile phone number or email address.
    7. Proceed to add your payment details and confirm the PayID details are correct and linked to the name of intended recipient.
    8. Add the payment amount and transaction message.
    9. Make sure you are paying the correct person or business and select ‘Confirm’.
  • 4Sending and receiving money with PayID is safe

    Sending and receiving money with PayID is safe

    Quick, easy, convenient, and safe. Fast payments using PayID are protected by our real-time transaction monitoring. However, as with any banking transactions, it’s important that you work with us and take precautions to help reduce the likelihood of mistakes and potential fraud on your account.

    Especially when using PayID, as these transactions are processed via Osko and typically completed in less than a minute, it is crucial that you remain mindful and attentive to details when paying someone, so you can keep your funds safe. Once you make the payment, it cannot be cancelled once the final authorisation has been completed and the chances of recovery are very limited.

  • + Important Information

    Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.

    Osko® by BPAY is made available by over 70 BPAY Scheme participants. You should obtain a PDS from your relevant BPAY participant and consider whether Osko is right for you.

    PayID® is a registered trademark of NPP Australia Limited.

    PayID Terms and Conditions and all disclosure documents.

Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.

PayID FAQs

  • Are fast payments with PayID safe?

    Fast payments are processed via Osko and protected by our real-time transaction monitoring. We have various measures in place to help protect your account from frauds and scams.

    However, it’s your responsibility to double-check the payee information before going ahead.
    With PayID, you’ll see who you’re paying before you confirm your payment, so you’ll know your money is going to the right person or business. This can help avoid mistaken or scam payments.

    PayID is a simpler alternative to BSB and Account number when transferring money, but it cannot be used to withdraw funds.

  • Does PayID replace my BSB and Account?

    PayID doesn’t replace your BSB and Account number. It is just an easier alternative to offer you more convenience when making or receiving Fast Payments. For all other transactions, your BSB and Account may be required.

  • What happens if my details show as already registered but I haven’t registered for PayID?

    If your mobile number, email address, ABN or Organisation Identifier is showing as already registered and you don’t remember registering for PayID before, we first recommend you confirm if you have a PayID already registered with a different financial institution.

    You can use an alternative PayID option to register a second PayID with us. If your mobile number is showing as already registered, you could proceed by using your email address, for example. Another alternative is to transfer or cancel the existing PayID with the previous financial institution and then register it again with us via NetBanking or mobile app.

    The same procedure is requested if you have a PayID registered with SCCU and wish to transfer to another bank.

  • Do I need a PayID per account?

    Each PayID can only be registered to one eligible account. If you have more than one account and wish to have a PayID for each account, you will be required to create a different PayID for each account. For example, if you have used your mobile number to create a PayID before, you will need to use an alternative mobile number or email address that is linked to your account.

    The same procedure is applied to accounts in different banks/credit unions. If you have registered a PayID with a different financial institution before, you will need a different mobile number or email address linked to your account with us to be able to proceed.

    However, you can link multiple PayIDs to the same account. If using a joint account, each user or any Authorised User can have a unique PayID linked to the same account.

  • Can I register another person’s details with PayID?

    A PayID must be linked to the information under your name already listed to your account profile even if it’s a joint account.

    When registering for PayID, you will be given options between the type of PayID you want to use such as your mobile number or email, for example. If you have a joint account, your partner will have options under their name.

  • How to make Fast Payments using PayID?

    Paying someone using PayID is simple. Follow the steps below to complete your transactions using a payee PayID.

    If using NetBanking:

    • Click on ‘Payments’ on the top menu.
    • Select ‘Transfer Money’ from the dropdown menu.
    • Choose the account you wish to use for the money transfer/payment and the payee details to receive the payment.
    • If an existing payee with PayID, simply search for their name in your payee list.
    • To include a new contact, click on ‘New Payee’ and select the appropriate transfer method to upload the payee PayID between the options ‘Email Address’, ‘Phone Number’, ‘ABN’ or ‘Organisation ID’.
    • Give the payee a ‘Nickname’ so the payee is added to your Address Book for future use.
    • Alternatively, you can proceed using their regular BSB/Account number.
    • Enter the details of the payment amount and transaction message.
    • Review your payment details and make sure you are paying the correct person or business before confirming your transaction and click ‘Next’.
    • Submit transaction.

     

    If using our mobile app:

    • Click on menu at the top left of your mobile app screen.
    • Select the option ‘Pay’ from the dropdown menu or click on ‘Pay’ at the bottom of your mobile app screen.
    • Choose ‘Pay Anyone’.
    • Choose payee from list of existing payees or create a ‘New Payee’.
    • If creating a new payee, select the payee identifier from the options ‘Email Address’, ‘Phone Number’, ‘ABN’ or ‘Organisation ID’.
    • Choose the contact details from your device saved contacts or enter the contact details manually. For example, the payee mobile phone number or email address.
    • Proceed to add your payment details and confirm the PayID details are correct and linked to the name of intended recipient.
    • Add the payment amount and transaction message.
    • Make sure you are paying the correct person or business and select ‘Confirm’.

Staying Scam Aware

The more you know, the better prepared you’ll be:

  • PayID will never contact you directly.
  • PayID will never ask you to send money or share your account details.
  • Emails or text messages claiming to be from PayID are a scam.

If you believe you have been scammed, please contact us.

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Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
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Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
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As COVID hit some 3 years ago, I approached SCCU to re-align our financial position at both a personal and professional level with our business. Not only were your team receptive but with the assistance of SCCU not only did we make our way through COVID closures, but due to the support of SCCU we have evolved into an extremely sound business, and I would suggest a success story of the community banking that SCCU continues to deliver. Thank you for the support you offer to us as a local business and us as a local family of the area. Thank you, the entire team, at SCCU for being such an awesome part of the community whilst also being a great business to align with.
Jason