The New Payments Platform

Choose smarter and faster payments with PayID and Osko.

A new way to serve those who serve Queensland.

The New Payments Platform is an industry-wide initiative designed to bring smarter and faster payments to Australia. PayID and Osko are the first services available that allow payments to be made via an email address or phone number with payments being made in real-time.

Forget your BSB and Account Number

With PayID, you no longer need to remember complex BSB and account numbers. Simply share your email address or mobile number when someone wants to pay you, or you pay them.

Payment in seconds, not days

Osko, the payment service by BPAY, is seamlessly integrated with PayID enabling the ability to send and receive near real-time payments. The funds will be transferred almost immediately, even on weekends and public holidays.

How do I register for PayID?

Via the QBANK App

  1. Make sure you have the latest app version. Then login and go to Payments --> PayID
  2. Select an email address or mobile number
  3. Choose the account you would like to have linked
  4. Tap on OK and a Verification Code will be sent to you
  5. You will be asked to check the T&C's box and enter in the verification code

Via Internet Banking

  1. Go to My Preferences --> Manage PayID
  2. Select an email address or mobile number
  3. Choose the account you would like to have linked
  4. Click on Get SMS/Email and enter in the Verification Code
  5. Check the T&C's box and click on Create

What are the benefits?


No more scrambling to remember your BSB and account number. Use your email address or phone number instead.


No more waiting 1-3 days for payments to clear. With PayID and OSKO your payments are sent or received almost immediately.


Send and receive payments 24 hours a day, 365 days a year, including weekends and public holidays.


Institutions across the banking and finance sector have been working together to ensure the highest levels of security and fraud prevention are in place.

Making payments easier

Split a bill

Seamlessly pay your share of a bill at the end of a dinner with friends.

Pay a tradesman

Pay for work completed by a plumber or electrician on the spot.

Emergency money

Kids in a bind? Send funds immediately to their account to help them out.

Buying & selling

Looking to offload some old furniture? Make buying and selling easier without having to go to an ATM.

How do I use PayID and Osko?

  • QBANK members can register an email address or mobile number to their eligible account via the QBANK App or Internet Banking.
  • You can link one or more PayIDs to an account – an ideal option for joint account holders.
  • When someone wants to pay you, simply share your PayID with them.
  • To pay someone else using their PayID, use the QBANK App or Internet Banking where you’ll be able to use PayIDs to make payments.
  • The name of the person who has registered the PayID will appear before you approve the payment to ensure you’re paying the right person.
  • If the payee is registered for Osko, you will see the option available when transferring funds


PayID and Osko
Can a person take money out of another person’s account using information registered on PayID?

A PayID identifier cannot be used to take money out of an account. It can only be used to receive payments.

Could a person register another person’s details with PayID?

QBANK must follow strict identifications steps (like those already in place in the industry) to ensure a person has a right to change information registered on PayID and that they are the rightful owner, or authority, of the account it is linked to.

How secure will PayID be?

It’s in everyone’s interest that PayID is safe and secure which is why it is certified to the highest data security standards and monitored 24 hours a day, seven days a week. The PayID also has high security standards and capabilities that must be met by all financial institutions that wish to register a customer’s details on the service, which they can only do with the customer’s informed consent.

How do members use Osko?

This is a digital service that is seamlessly integrated into online banking channels like the QBANK App and Internet Banking. When transferring funds, you will see an "Osko" option in addition to a "Standard Transfer" option if the person you are paying is registered for PayID and their account is Osko enabled.

How will a member know if they are paying the right person?

When a member registers an identifier with PayID via QBANK, they will be asked to give their identifier a name. This name must be an appropriate representation of the accountholder and must not intend to mislead or confuse a payer. QBANK will have the ability to display this name to the payer during the payment process to confirm that the payee is indeed the person or company they are intending to pay. In many cases, the full legal name of the account holder may also be displayed.

If I want to use PayID or Osko, will it cost me money?

Using PayID or Osko will not incur any additional charges.

What happens if the email address or phone number I want to use is already registered and in use?

QBANK can instigate a PayID Dispute Resolution process. This will enable the disputed identifier to be investigated and assigned to the rightful owner. Please contact us if you are having issues with registering a PayID.

Will PayID and Osko be available on all of my QBANK accounts?

PayID and Osko will be available for all QBANK accounts.

Will PayID and Osko make fraud harder to detect?

Most fraud in the Australian payments system is CNP (card not present) fraud, when card details are stolen and then used to make purchases or other payments without the card, mainly online.

By contrast, PayID and Osko payments are ‘push’ payments from a bank account, requiring the specific authorisation and approval of the account holder, as opposed to funds which are ‘pulled’ from a card, often without the knowledge or involvement of the cardholder, such as CNP payments.

Australian financial institutions have very good fraud detection, screening and alert systems and PayID and Osko will incorporate these capabilities. At the same time, consumers are likely to see mechanisms such as biometric (fingerprint) login protection and two factor authentication used at certain times, for instance for payments made to a first-time payee, or over a certain amount. 

Will I be able to use PayID and Osko overseas?

PayID and Osko have been built to support Australia’s domestic payments capability. That’s not to say this won’t evolve and expand over time.

Looking for more information?

More information about the New Payments Platform, PayID and Osko can be found on the NPPA FAQ Page.

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