PayTo - 
a new way to pay

What is PayTo?

PayTo is a new digital way to pre-authorise payments directly from your bank account. It can be used to make one-off or recurring payments in real time

It works similarly to direct debits – but it’s much better!

Just like a direct debit, PayTo allows you to make automatic payments from your bank account for anything from phone bills to flights or your gym membership. You can choose to use your PayID or BSB and account number to set up payments.

It’s better than a direct debit because you can set up your payment authorisation to merchants online, which is faster and easier than arranging for a direct debit authority. PayTo agreements (records of your payment authorisation) can be viewed, changed, or stopped within the security and convenience of Internet Banking, giving you more control over these payments.

Watch below to find out how PayTo keeps people and business moving.

Want to learn more?

Welcome to PayTo
Our quick start guide to getting to know PayTo.
Download PDF now
PayTo feature instructions
A "how to" guide of most-used features.
Download PDF now

Benefits of PayTo

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Faster

Send money to merchants in real time^

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Simpler

With PayID, use your mobile number or email address instead of BSB and account number

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Smarter

Manage your payment details anytime in Internet Banking

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Safe

PayTo is built on the same secure system as PayID and Osko

PayTo FAQs

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See all FAQs

Need help with your PayTo agreements?

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Other ways to pay

Osko

Osko® enables fast – almost instant – online money transfers between Australian accounts, instead of having to wait 24 to 48 business days. 
Find out more

PayID

A PayID is a unique, easy-to-remember identifier that you can link to an eligible bank account, such as your mobile number or email address. When someone needs to pay you, instead of searching for your BSB and account number (who can remember these anyway?), simply give them your registered identifier.
Find out more

Direct Debit

A Direct Debit is a convenient way to automatically make regular or subscription payments, such as for gym memberships and utility bills. To set this up, you would authorise a merchant or service provider to withdraw funds from your bank account at set intervals, either for varying or fixed amounts. 

^Before acquiring the product, you should consider if it is right for you. For full terms, conditions, fees and charges please view our Financial Services Guide, Product Guide and Fees and Charges Guide. These guides are available upon request, can be viewed on our website and will be provided at the time of acquiring the product. Faster transfers are available between participating banks, a full list of participating banks is available here.

PayTo is an initiative from the New Payments Platform (NPP); fast payments infrastructure built by the Australian financial services sector.

 

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