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New Payments Platform

Osko by BPAY Pay and get paid faster

Osko, created by BPAY, is the user friendly system created to send and receive real-time payments using the NPP.

Whether you’re paying a tradie, splitting a bill or giving money to family for something urgent – the money will be there in seconds. Osko has been integrated seamlessly into our Internet Banking and Mobile Banking App, allowing you to make real-time payments 24/7.

What’s not to love about Osko?

  • Faster payments across over 55 institutions – and more to come
  • Available all day, every day – even weekends
  • You can use a PayID to pay and get paid with something simple like a registered mobile, email or ABN. Or you can still use a BSB and account number
  • It’s backed by BPAY and us, so it’s very secure
  • You can use 280 characters of text to describe who’s getting paid and why.

Watch Osko in action


Concerned about faster payments?

Call us (08) 8202 7777 Contact us

  • If someone knows my PayID, can they use it to commit fraud?

    No, as a PayID is only used to receive funds, not send them.

  • Can someone else register my details (mobile, email) as their PayID?

    Only the owner of the device can register it as a PayID, as it requires Two-factor Authentication (2FA) in the form of a code sent to the phone number or email address provided to complete the registration. Read more about Two-factor Authentication on the Stay Smart Online website.

  • What if I send the money to the wrong person?

    There are processes/procedures in place to deal with “Mistaken Payments”, if you have made a mistaken payment you need to call Credit Union SA immediately so we can attempt to recover the funds for you.

    Call us (08) 8202 7777

  • What can the New Payments Platform do?

    Key benefits include:

    Speed the ability to make payments in real time, with close to immediate funds availability to the recipient.
    24/7 availability the ability to make and receive low-value payments 24/7 outside normal banking hours.
    Data enriched the ability to send more complete remittance information with payments.
    Simple Addressing

    A system to more easily address retail payments to any recipient using their phone number, email address, ABN or organisational identifier.

    Additional features will become available overtime with the development of new overlay services.

  • What do I need to be ready to make and receive faster payments?

    1. You’ll need to be registered for Internet Banking – call us on (08) 8202 7777 to register
    2. Make sure your mobile phone number and email address are up to date
    3. Use Internet Banking or our Mobile Banking App to make faster payments using BSB and account numbers, or a registered PayID
  • How do I know I am sending money to the right person?

    PayID payee-validation functionality allows you to see the short-name information of the person or business you’re intending to send money to, so you know your payments are going where they should.

  • Is the 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 which Credit Union SA is renowned for. Some of the protections in place include:

    Two-factor Authentication (2FA) Two-factor Authentication is a process which 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 Stay Smart Online 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.

Introducing Osko

Introducing Osko by BPAY

Osko and PayID

Want to do more with your money?

Australia’s New Payments Platform (NPP) is now at Credit Union SA. You can now send and receive money in seconds between over 55 participating Australian financial institutions, with PayID smart addresses making paying and getting paid fast and simple.

Let’s face it, remembering your bank details is tough. With all the numbers in our lives, who can remember their BSB and account numbers? That’s where a PayID can help.

Faster payments are here, so we want to make sure you’re ready. Find out how to get ready and how to avoid awkward situations such as bill splitting with real-time payments.

Now you can enjoy all the benefits of your Credit Union SA Credit or Debit card with Apple Pay on iPhone, Apple Watch, iPad and Mac.

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