To ensure our customers get the most out of their banking experience with us, we have implemented the New Payments Platform (NPP), an industry initiative in Australia to provide faster and easier payments across participating institutions.

Bank with confidence using PayID®.

A PayID is a unique identifier, like a phone number or email address, that you can securely link to your bank account, helping to make banking easier and more secure.

Using PayID allows you to check your money is going to the right person or business before you hit send, giving you one less thing to worry about.

It’s also an easy way for others to pay you - when you want somebody to transfer funds into your account, you can give them your PayID instead of your BSB and account number.

Why use PayID?

  • Payments in a flash – payments made using a PayID will be sent in near real-time*.  Real-time payments will be available 24/7 so you no longer have to wait 1-2 days for your funds to appear.
  • Safety and security - When making a payment to a PayID, the PayID name will be displayed letting you check the payee before confirming the payment. We have also introduced rejected payment notifications via email and SMS. You’ll also receive a push notification if you have them turned on.
  • Simplifying payments - If you need to receive a payment, you now have two options – continue to give out your BSB and account number or, if you find that difficult to remember, you can set up and use a PayID, the choice is yours.

Registering your PayID using the Qudos Bank App

  1. Log into the Qudos Bank app and select the menu button
  2. Select "Manage PayIDs" in the menu
  3. Select "Create PayID"
  4. Follow the prompts

Registering your PayID online

  1. Log into online banking and select accounts
  2. Select "Manage PayIDs"
  3. You will then be asked to request a code, select validate once you have typed in your code
  4. Select "Create PayID" and follow the prompts.

For a full list of FAQs, head to our Real Time Payments FAQs page.


*Where the receiving financial institution is enabled for NPP. Where a receiving financial institution isn’t enabled on the NPP platform to accept instant payments you will receive a notification that the instant payment can’t be processed and that your payment will be delivered via standard payment methods. The standard payment platform (Direct Entry) could take between 1-2 business days to transfer funds depending on the institution.

* The advice on this website has been prepared without considering your objectives, financial situation, or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please consider the Terms and Conditions for Savings Accounts and Payment Services.


Published Thursday, 5 January 2023