Digital Banking

Find out more about our Mobile Banking App, Internet Banking, Digital Wallets and the New Payments Platform (NPP).

Digital Wallets

Real Time Payments

Send and receive real time payments through our Mobile Banking App or Internet Banking using PayTo, PayID and Osko by BPAY as part of the New Payments Platform (NPP).

Frequently asked questions

View all New Payments Platform (NPP) FAQs

Is the New Payments Platform (NPP) safe?

Yes. Protecting our members' funds is of paramount importance to Credit Union SA. Payments made through the NPP enjoy the same high levels of security that Credit Union SA is renowned for. Some of the protections in place include:

Two-factor Authentication (2FA)	Two-factor Authentication is a process that adds another layer of security to your transactions. A unique code will be sent to your phone, or can be read from a VIP token, then entered into the relevant space where requested. Read more about Two-factor Authentication on the Australian Cyber Security Centre Website.
24/7 Fraud Monitoring	Credit Union SA will ensure that all NPP transactions are monitored 24/7. You will be contacted if we suspect you have been the victim of fraud.

Can I stop New Payment Platform (NPP) payments from being directed to my PayID?

Yes. You may request for Credit Union SA to lock your PayID, which will prevent anyone from making a NPP payment to your account. You will not receive NPP payments to your PayID while it is locked.

Will I need access to the New Payments Platform (NPP) to offer PayTo?

You don’t need access to the New Payments Platform (NPP) to use PayTo. You just need to have an account with a participating NPP financial institution or a commercial relationship with a connected payments service provider.

Will I still be able to receive New Payments Platofrom (NPP) payments while my PayID is being transferred?

Yes, any NPP payments being sent to your PayID while in a state of transfer will continue to be directed to the existing financial account linked to your PayID. Only when the transfer has been completed and the PayID status has been created and linked to an account at the new financial institution will NPP payments be sent to your new financial account.

INFORMATION YOU SHOULD KNOW

Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.