Get faster payments between participating banks, anytime, with PayID and Osko.




Forget your BSB and account number. PayID is available to Australian Mutual Bank members

Australian Mutual Bank members can set up a Pay ID and send and receive payments in real time, 24/7 through the fast payments service New Payments Platform (NPP) brought to you by Osko by BPAY™, the first product to leverage the capabilities of the NPP.

The NPP is the payments infrastructure that enables Australian consumers, businesses and government agencies to make real-time, data-rich payments between accounts at participating financial institutions. It supports real-time clearing and settlement for simple or complex payment solutions. The NPP can simplify payments through its Addressing Service, called PayID. It can also support more information sent with payments, such as written text or links to externally hosted documents.


Here are the main benefits of the NPP by Osko:

  • Fast. Payments that are made in real-time.
  • Convenient: Available 24/7, which means you can transfer money any time, day or night.
  • Transparent. You will be able to include up to 280 characters with each payment to explain what it's for, rather than be constrained by the current limit of 55 characters. You can also use Emoticons.
  • Simple. Register an easy to remember PayID (with your mobile phone number or email address) to send payments, rather than a BSB and Account Number making it easier to remember.
  • Secure. You have to approve each payment before it can go through, giving you more security and control over your payments.

Frequently asked questions

Osko by BPAY® is a secure payment service which enables you to send and receive near real-time payments on the New Payments Platform (NPP). You don't actually have to do anything different to use it. It's been built right into your existing Internet Banking and Australian Mutual Bank Mobile App transfers.

You are able to use your Visa Credit Card to perform Osko payments however please be aware that Osko payments are considered a cash advance. Each time you make a cash advance transaction using your credit card you’ll be charged a fee. Before considering a cash advance you should look at more cost-effective options available to you. If you're planning on making a cash advance on your Visa Credit Card, please check the Fees & Charges and Transaction Limits brochure first.

It’s a smart address for payments, something easy to remember like a mobile phone, email address, ABN or company name that you can securely link to a bank account. While the PayID can only link to one bank account at a time, accounts can have more than one PayID. If you have a PayID set up on your account, you won't need to hand over your BSB and account number to get paid, now that's easy.

If you want to receive money easily via a mobile number, email address, ABN or company name, you'll need to register for a PayID.

To register your PayID, simply log in to Internet Banking and navigate to the PayID registration section in the main menu under Settings / Manage PayID and follow the prompts from there. You will be asked to select a mobile number or an email address available in your Internet Banking as your PayID.

Please ensure you have the most up-to-date contact details on file in your Internet Banking account. You can do this by logging on to your Internet Banking, selecting 'Settings' and 'Update Contact Details'. Alternatively, you can call our Member Contact Centre on 13 61 91 and we will change the details for you.

To view the NPP Australia’s Frequently Asked Questions page please click here.

Why choose Australian Mutual Bank?


PayID and Osko Terms and Conditions are available here.