FAQs
PayID allows you to link financial accounts to more common information such as your mobile number or email address.
Your accounts will still have a BSB and Account Number, but you’ll be able to provide your PayID to receive payments without sharing your BSB and Account Number. You can also send money to others using their PayID.
A PayID can be created within Online Banking or your People First Bank App.
For the People First Bank App:
- Select ‘More’ from the bottom main menu (3 dots)
- Under ‘Payment settings’, click ‘Manage PayID’
- Tap the ‘+’ at the top right corner of the Manage PayID screen and follow the prompts.
Note: A PayID identifier (such as a mobile number) can only be linked to one account. If you need to set up PayID for multiple accounts, you will need to use a different identifier (such as an email address or ABN) for each account.
A direct debit arrangement allows a third party to automatically withdraw funds from your account.
To create a direct debit arrangement, you’ll need to enter into a Direct Debit Service Agreement with the third party debiting your account. Make sure to provide your BSB and account number to identify your account, otherwise the debit may not be processed.
If there are insufficient funds in your account for a direct debit payment, we may cancel or refuse the transaction, and you may be charged a dishonour fee. However, we can also choose to allow the transaction and overdraw your account.
We won’t be liable for any cost, loss or damage incurred by you due to a stop, cancellation or refusal of payment authorisations.
A direct debit is an automatic payment set up using your BSB and Account Number with a merchant such as your gym or utility company.
You can contact the merchant your direct debit was established with. This will ensure your payment is cancelled within the conditions of your agreement with them.
Alternatively, you may notify us of this in writing, including the details on the direct debit you wish to cancel and the date you want the payments to cease. You can do this by sending us a message via Digital Banking.
We’ll endeavour to process your cancellation request within one business day of receiving it. Please note that we won’t be responsible for any payments deducted from your account before this time.
To change or cancel a recurring payment arrangement, please contact the merchant before the next scheduled payment. Until you attempt to cancel, we’re obligated to accept the merchant’s transaction. Please keep a copy of your request for your records.
Once logged in to Online Banking, select the ‘Payments’ tab from the top of the screen and ‘BPAY®’ from the slide-out menu. Select which account you wish to debit from the drop-down menu.
To pay an account from a previous BPAY biller, choose a contact from the list of Billers in the drop-down menu. You can also search for a previous biller by using the ‘Search’ and typing in your search criteria.
To Add a new biller: Click the ‘New biller’ button and follow the prompts to enter Biller code and Reference number.
Complete the remaining fields by entering the amount you wish to pay. Ensure the Customer Reference Number is correct, as some billers change this number for each bill. Ensure that the ‘’Save to payees’ is toggled on if you would like to save this biller’s information in the list of contacts.
To view and manage your scheduled transfers and BPAY select the ‘Payments’ tab from the top of the screen and ‘Scheduled payments’ from the slide-out menu.
Tap ‘Payments’ from the Navigation bar at the bottom of the page then select BPAY and select a BPAY from your saved favourites. To enter a new biller’s details, tap the + icon at the top right of the BPAY screen and then enter the biller details.
Once logged in to Online Banking, select the ‘Payments’ tab from the top of the screen and then click ‘Transfer money’ from the slide-out menu. Select the accounts you wish to transfer between and enter the amount you wish to transfer. The ‘Description’ is a personal description of your transfer and will appear on your statement.
To set up a regular transfer or schedule the transfer for a future date, navigate to the ‘Schedule’ section at the bottom of the Transfer screen and select ‘Later’ for a future dated one off payment or ‘Recurring’ for a repeated payment. Complete the required fields.
Note: New payees and billers are not automatically saved when you complete the transaction, if you want to save the Payee, set the toggle on to ‘Save to contacts’.
Select between the ‘Now’, ‘Later’ and ‘Recurring’ options. If you have transferred to this account previously, you can select the account from the ‘Choose a payee’ list displayed. Alternatively select the ‘New Payee’ option to add in new account information. A Second Tier Authentication will need to be completed for first time payees.
The description field for Fast Payments is 280 characters. When 280 characters are available this means that you will be making a Fast Payment. When making a Fast Payment, the Osko logo will be displayed on the Payment review screen within the People First Bank App and you will be able to enter a payment description of up to 280 characters. If your payment cannot be processed as a Fast Payment you will only be able to use 18 characters and your payment will be delivered in 48-72 business hours.
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