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New Payments Platform


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.

A PayID is a smart address for real-time payments that’s easy to remember – like your mobile phone number or email address. You can register a PayID with Credit Union SA in Internet Banking or our Mobile Banking App and link it to an account of your choice.

Then, when someone needs to pay you, just give them your PayID instead of your BSB and account number. Simple!

Faster and simpler

PayID is designed to work seamlessly with the new Osko by BPAY service, which we have integrated into our Internet Banking and Mobile Banking App. You can now make and receive payments faster than ever before, 24/7.

Pay the right person every time

If you’ve ever worried about sending money to the wrong person, PayID can help.

When you use a PayID to transfer money the system will automatically show you the name of the person the PayID is registered to before you send the money. So you can be confident knowing your money is going to the right place.

BSB and account numbers still exist

PayID is an easier way to pay someone – it won’t be replacing regular transfers or BPAY. You can choose not to register a PayID and continue using BSB and account numbers to pay or get paid by others (a PayID is easier, though).

Register your PayID today and enjoy faster payments!

Registering a PayID is quick and easy, and can be done in Internet Banking or our Mobile Banking App:

Mobile Banking App

  1. Update the App to the latest version
  2. Select Manage PayID from the menu 
  3. Select Get started  and follow the prompts.

Internet Banking

  1. Log in to Internet Banking
  2. Click on the PayID icon in the top navigation bar
  3. Validate your identity with Two-factor Authentication*, then follow the prompts.

Multiple PayIDs

You can register multiple PayIDs to a single account…

…but only one account to a PayID.

So if you’d like to enjoy the simplicity of using a PayID on two or more accounts, you’ll need to register a unique PayID to each account.

Learn more

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

    1. You’ll need to be registered for Internet Bankingvisit us at 400 King William Street, Adelaide or 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
  • 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.

  • 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.
  • 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.

Not registered for Internet Banking?

Call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide and we’ll get you set up in no time.

Have a question?

Read the Frequently Asked Questions on the NPPA’s website

NPP Australia website NPP Frequently Asked Questions

Concerned about faster payments?

Call us (08) 8202 7777 Contact us

Introducing PayID

Faster and simpler

Pay the right person

Want to do more with your money?

Send and receive money in seconds between over 55 participating Australian financial institutions using Internet Banking or our Mobile Banking App.

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.

Osko is a new way to pay that’s as fast as cash without the hassle. Whether you’re paying a tradie, splitting a bill or giving money to family for something urgent – the money will be there in seconds.

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.

*Factor 2 Authentication is a form of second tier authentication, providing an additional layer of security. The options available are in the form of a Secure SMS (SMS code sent to your mobile phone), VIP token or VIP credential downloaded on your mobile phone.

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