PayID FAQs

Check to see if your financial institution offers PayID here. When sending money to a PayID, you’ll be shown the name of the person or business registered to the PayID before you hit send. PayID also has an extra layer of security, which can help protect you from scam, fraud or mistaken payments.
It’s typically built into the ‘Pay Anyone’ section in your online banking. If you believe you have been scammed, please contact your financial institution. When using PayID, stop and check you’re paying the right person or business before you hit send. Contact your financial institution if you think you’ve been ‘scambled’. If you are asked to transfer funds to a PayID on an illegal gambling site, it is almost certainly a scambling website.
A mobile number, email address or ABN/ACN can only be registered once across all financial institutions in Australia. For example, it may be because it is already linked to another bank account at another financial institution. You must inform us immediately if you suspect the security of your access details has been compromised, or you suspect an unauthorised transaction or potential fraud on your accounts.
For example, you can use your mobile number as a PayID with one account and your email address as a PayID with another account. However, you can create multiple PayIDs and link it to either the same account, a different account or with a different financial institution. Instead of using a BSB and account number, you can use a PayID, such as a mobile number, email address or ABN. A PayID is a unique identifier linked to a bank account that makes sending and receiving money easy.
A unique PayID will be generated for you, typically an email address, that’s linked to the business or organisation. You’ll start to see PayID being offered as a payment method across many businesses and organisations. Check with your financial institution what these limits are, as they may vary between financial institutions. Some payments may be subject to security checks which could delay a payment. If you believe someone is using your details as their PayID FAQ, please contact your financial institution.
In 2021 Australian businesses and consumers lost $227 million to scammers who pretended to be another person or company – (read more) PayID is offered by over 80 financial institutions. You can use your mobile number, email address, ABN, or Organisation Identifier as your PayID to receive fast, secure payments in your online banking. When your PayID is registered, your details (including your name) will be available to people who use the service and enter your mobile phone PayID.
PayID can be accessed in the online banking of over 100 financial institutions. Age verification – platforms may ask you to share an image of your government-issued ID like a driver’s licence or passport to check your date of birth and confirm you’re over 16. From 10 December 2025, new social media age verification requirements will require some platforms to verify their users are 16 years or older. When you make a purchase or sign up to a new service online, you are often required to share personal information such as your name, address, date of birth and more. With ConnectID, our customers can securely verify their identity and maintain visibility over where they’ve shared their data, and with whom. ConnectID offers our customers greater control over their data, enabling them to share only what is necessary, all backed by the security of the CommBank app.
You can register your Australian mobile phone number2 or your email address as a PayID in the CommBank app or NetBank. First time payments to a new payee may be held for up to 24 hours as a security measure. Set up your mobile number or email address as your PayID in a few taps, search ‘PayID’ in the CommBank app.
Plus, nothing is shared without express consent. At NAB, empowering our customers is at the heart of what we do and choosing who you trust to verify you is just one of the ways we hand back control. AP+ brings together eftpos, BPAY and NPP Australia, as one organisation to shape the future of payments. Your data is then transferred securely – so you can breathe easy. ConnectID will always ask for your consent before any information is shared, meaning you’re always in control of what information is shared and when.