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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. Soon you’ll be able to register a PayID with Credit Union SA 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 are integrating into our Internet Banking and Mobile Banking App. You’ll soon be able to 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 will 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 will be easier, though).

Australia’s New Payments Platform (NPP) is coming to Credit Union SA. The NPP is going to be a new, faster way for Australians to send and receive money.

Introducing PayID

Faster and simpler

Pay the right person

  • 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 will require Authentication in the form of a code sent to the phone number or email address provided to complete the registration.

  • How can I unlock my PayID?

    You can unlock your PayID through Internet Banking and our Mobile Banking App if you originally locked your PayID. However, if your PayID has been locked by Credit Union SA, you will need to contact us to discuss.
  • Can I change the account that my PayID is linked to?

    Yes, you can change the account your PayID is linked to. The account can either reside with Credit Union SA or with a different Financial Institution.

    • If both accounts are with Credit Union SA you can change the linked account through Internet Banking or the Mobile Banking App.
    • If the account is at a different Financial Institution: You will need to request the status of your PayID be updated to ‘transfer’which you can do through Internet Banking or the Mobile Banking App. Once in a state of ‘transfer’, you will need to check with the Financial Institution which holds the account you intend to link the PayID to, and link the PayID to the new account.
    • You should note that an individual PayID cannot be linked to two accounts at the same time.
  • How long does it take to transfer my PayID?

    Credit Union SA will place your PayID into a state of ‘transfer’ within one Business Day of the request being lodged. You will need to contact your new financial institution to find out their process and time frames for creating a new PayID.

    What if I don’t create my PayID at another Financial Institution after asking for it to transfer?
    • If the transfer is not successfully completed within 14 days of its status being changed to ‘transfer’, your PayID will remain linked to the financial account at the Financial Institution you were attempting to transfer from.
    • If this happens, you will need to repeat the transfer process again by contacting your Financial Institution if you still want to link it to an account at a different Financial Institution.
  • What if I change my Mobile Phone Number or Email Address and they no longer belong to me?

    You are required to close any PayIDs you no longer have the authority to use which you can do through Internet Banking or the Mobile Banking App.
  • What if I no longer choose to use my PayID?

    You should close or lock your PayID when you no longer wish to use it, which you can do through Internet Banking or our Mobile Banking App. A PayID which is locked or closed will not receive payments to financial accounts.
  • Where can I use my PayID?

    Your PayID can be given to other people for them to make NPP Payments to you.

    Another party’s PayID can be used to make NPP Payments to them via your mobile or Internet Banking. PayID is supported by a large and growing list of Financial Institutions.

  • What happens if I make a payment to a locked or closed PayID?

    You cannot make a payment to a closed or locked PayID.
  • When will Credit Union SA close my PayID?

    Credit Union SA has an obligation to close a PayID when:
    • There is evidence that you no longer have the right to use it, or
    • It is no longer in use, or
    • Requested by yourself, or
    • There is no active account linked to it.


  • Is there a restriction on the number of times I can lock and unlock my PayID?

    Your PayID can be locked and unlocked an unrestricted amount of times. This can be managed through Internet Banking and Mobile Banking App.
    Contact Credit Union SA for more information.
  • When changing Financial Institutions, should I transfer my PayID or simply close it and recreate it?

    If you transfer your PayID you will be able to receive NPP Payments whilst the transfer process is taking place. If you decide to close and then re-create your new PayID you will not be able to receive NPP Payments whilst the PayID is closed and anyone making payments to your PayID during that time will be notified by their Financial Institution that the payments cannot be made.
  • Will my transferred PayID Name change?

    The transferred PayID will not change however the transfer of the PayID Name is dependent on your Financial Institution.
  • Will I still be able to receive 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.
  • How will I know if my PayID is no longer available to transfer?

    This will depend on your Financial Institution. You may be notified of this by your Financial Institution or you will find out when you try to create it at another Financial Institution and it fails.
  • What happens if my business no longer belongs to me?

    • You are required to close any PayIDs you no longer have the authority to use which can done through Internet Banking and the Mobile Banking App.
    • If you close your financial accounts that are linked to your PayID, your PayID will automatically be closed.
  • Can I cancel the closure of my PayID?

    You cannot cancel the closure of your PayID. Once closed, you will need to create it again.
  • Can I close a PayID I am no longer using?

    Yes, you can close your PayID through Internet Banking or the Mobile Banking App. Once you close a PayID you must recreate it if you wish to use it again.

Using your Member Number to receive payments?

When the New Payments Platform launches, if you are currently using your Member Number to receive payments to your account, these may be credited to a different account than expected and any payroll splits you’ve set up with us won’t work.

So if you currently have a payroll split or have multiple Credit Union SA accounts receiving one or more payments by Member Number, action on your part is required:

To be ready for real-time payments, here’s what you need to do...

1.  Check if you have any payments coming from a payer(s) using your Member Number as opposed to your Account Number. Payment sources may include:

  • Your salary
  • Centrelink payments
  • Other forms of income
  • Any other funds which are regularly paid into your account

2.  For those payer(s) paying you via your Member Number, provide them with BSB 805-007 and your preferred Account Number instead.

3.  If you would like your incoming payments to be split across other accounts, such as your Home Loan or Netsave Account etc., then you will need to set up Scheduled Payments within Internet Banking from your preferred account nominated above in Step 2: select Transfer and bills > Pay member > Select date > Frequency > Set Schedule

Alternatively, if you don’t use Internet Banking you can call us on (08) 8202 7777 or visit your local branch and we’ll help you get everything sorted.

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