Frequently asked questions

Everybody's favourite part of a website. The questions you weren't sure about asking or didn't even know to ask... all here, for your reading pleasure.

What is Osko®?
When can I use products and services like Osko and PayID?

It depends on your financial institution. Some financial institutions around Australia are rolling out Osko now and many others will do it later in the year. So, check in with your financial institution to see exactly when you get to say hello Osko!

When will Osko be live?

You can expect to see Osko live and busy helping you pay from the beginning of 2018. Financial institutions will be progressively making Osko available throughout 2018.

How is Osko by BPAY different from BPAY? Will it replace BPAY or BPAY View?

Osko by BPAY seamlessly works alongside BPAY and BPAY View, but each service is different. While BPAY is great for paying bills, BPAY View is great for sending bills straight to your online banking,  Osko excels at sending money from person to person. And that’s just the start. In the future, Osko will improve your banking experience even more. Watch this space. Find out more about BPAY and BPAY View at

How secure is Osko by BPAY?

Relax. Because Osko by BPAY is implemented using your financial institution's own security standards together with the best industry standards, it’s super safe.

What is PayID?

So Osko pays the right person, everyone needs an easy-to-remember identifier. This could be an email address, phone number or even a BSB and account number. Find out more at

Are faster payments safe?

Osko uses cutting-edge technology and is subject to very high data security standards.  Security is also monitored 24/7. All payments are also subject to participating financial institutions’ real-time fraud screening and detection capabilities.  As always, you should remain alert to cons and scams, particularly if some dodgy bloke requests an unexpected payment or your account information via social media, emails or SMS.

Paying with Osko
How will I know who I can pay?

Just ask the person you want to pay if they are using Osko. Then you can ask for their PayID or BSB and account number. When you pay someone for the first time, a verification step may be necessary to confirm they are using Osko.

How does Osko work with my bank?

Over 50 financial institutions in Australia have already said hello to Osko. To find out how yours will be working with Osko, check your financial institution’s website.

How can I find out if I can pay using Osko?

Simply check in with your financial institution. They'll be able to tell you which of your accounts can be used. There'll never be any surprises with Osko because payment details always appear in your account when you pay or get paid.

What types of PayID can I use?

You have heaps of choices. PayID makes payments simpler by using an easy to remember identifier. Like phone numbers, email addresses, ABN's numbers or even BSB and account numbers. PayID types available to you depend on your financial institution, but no matter what else, they'll always accept a BSB and account number.

Still need help?
Get in touch

Get in touch with your Bank directly should you have any questions.

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