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New Payments Platform

The easier way to pay (and be paid) is here.

Create your PayID today.

Real time payments are here

Forget your BSB and account number with Australia’s New Payments Platform. You can now make and receive payments in real time using a PayID between participating financial institutions.


What’s not to love about real time payments?

  • Less to remember

    No need to remember your BSB and account number, as real time payments are completed using a PayID linked to your banking details instead – something as simple as a mobile number or email address.

  • Super speedy

    You’ll be able to make and receive payments in real time 24/7 between participating financial institutions, knowing your funds will generally be received almost immediately.

  • Detailed descriptions

    To help you keep better track of your money, payments can be sent with more detailed info – up to 280 characters. So they’re easier to manage and reconcile.

  • Secure

    We are working closely with other financial institutions to make sure the highest security and fraud prevention measures are in place. Monitored 24/7.

How it works

How it works

1. Create your PayID

Get set for real time payments by creating your PayID today. It's simple to add within online or mobile banking.

2. Share your PayID

Share your PayID with family, friends and business partners.

3. Start using PayID

Make and receive payments in real time between eligible accounts using an email address or mobile number.

When setting up your PayID:
To create a PayID, you must:

Be an Orange Everyday, Savings Maximiser, Savings Accelerator, Business Optimiser, Orange Advantage or Mortgage Simplifier account holder.

Ensure your contact details are up to date in online banking

Want more information about NPP?

Visit the NPPA website, PayID website or Osko website

Create your PayID today

Create your PayID today

You can setup your PayID online or through your mobile device.

How to create your PayID online:
  1. Log into your account at
  2. Go to Settings > Personal > PayID details
  3. From here you can select your account you want to link your email address or mobile number to - then you're done!
Mobile apps
How to create your PayID on the mobile app:
  1. Ensure you've downloaded the latest version of the ING app
  2. Launch the ING app on your device
  3. Go to Menu > Settings > Create PayID

Got a question about New Payments Platform?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked: