See all NPP FAQs.
Simpler, faster and easier.
The New Payments Platform (NPP) allows for faster payments between participating financial institutions. The platform caters for everyone, including businesses, governments and customers. You can make and receive payments in usually less than a minute, on a 24/7 basis.
People First Bank customers can create a PayID through Online Banking or our People First Bank App, without needing to provide a BSB and account number.
People First Bank customers can create a PayID through Online Banking or our People First Bank App, without needing to provide a BSB and account number.
What are the benefits of NPP?
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Faster transactions
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Highest data security standards
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Send and receive payments at any time of the day, 7 days a week
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Simplified payments including option to use your PayID - this could be as simple as your mobile number
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Detailed payment descriptions, up to 280 characters including emojis
NPP FAQs
The New Payments Platform (NPP) is the centralised infrastructure platform that enables faster payments between customers of participating Australian financial institutions. It enables you to receive a faster payment from anyone whose financial institution is a participant and who has an eligible account.
The platform currently has two services to enable payments in Australia: Single Credit Transfer (SCT) and Osko. People First Bank can accept both SCT and Osko fast payments, but only Osko payments are sent.
No, you can only receive Fast Payments sent to your BSB and account number(s). If you think someone may still be sending payments using your member number, ask them to update your details using the nominated BSB and account number.
When making a Fast Payment the Osko logo will be displayed on the Payment Confirmation screen in Online Banking and your People First Bank App. You will also be shown a message on the same screen advising when your payment is expected to be received.
You can also check the list of participating financial institutions to see if the receiving financial institution is listed.
You can also check the list of participating financial institutions to see if the receiving financial institution is listed.
To investigate a payment received in your account in error, visit a branch or call us on 13 11 82. We'll then lodge a request with the sending financial institution.
You can request a payment sent in error to be returned to yourself. Contact our team directly in a branch or by calling us on 13 11 82. We'll then lodge a request with the receiving financial institution.
One of the benefits of Fast Payments is that it allows for a more detailed description of your transaction. When sending Fast Payments, you will be able to type descriptions of up to 280 characters; if your payment cannot be processed as a Fast Payment you will only be able to have an 18-character description.
Payments will be received in near real-time, however this may depend on several factors, such as fraud checking.
We only send Osko Fast Payments between participating financial institutions. Please check with the payee to see if the receiving account is eligible for Osko Fast Payments.
A full list of participating institutions can be found here.
To request a payment return you'll need to contact a People First Bank branch or call us on 13 11 82. We'll then lodge a request with the receiving financial institution.
You will not be charged for sending or receiving Fast Payments.
Pay ID FAQs
See all Pay ID 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.
Your PayID can be updated within Online Banking or your People First Bank App.
For Online Banking, simply select ‘Self Service’ > ‘Manage PayID’. From there, select ‘View details’ to make edits such as updating your PayID name or changing the linked account or transferring your PayID.
For the People First Bank App, navigate to ‘More’ button. From there, select ‘Manage PayID’ to make edits such as updating your PayID name or changing the linked account or transferring your PayID.
To find your bank account details select your account from the Dashboard or ‘Accounts’ list, then tap ‘Details’ to view your account’s name, BSB and account number.
When creating your PayID you will be provided a list of name options that reasonably represent and identify you as the account holder. You must select an option from this list.
For example, an Account Name of Jonathon Smith with a preferred name of John may be provided the following options:
John Smith
Jonathon Smith
J Smith
You will only be able to create a PayID using an Australian mobile number or email address with People First Bank; however, you are able to link your PayID to your business accounts.
The name of a person registered to a PayID is displayed to the payer to avoid mistaken payments and cases of fraud. The information cannot be used to withdraw money or create a false identity and is only provided in accordance with the person’s consent and according to the terms and conditions of the PayID service.
People First Bank and other financial institutions also use additional measures to prevent against fraud. Customers can use an email address as their PayID instead of a mobile number and still enjoy the benefits of fast, secure and convenient payments with Fast Payments.
People First Bank and other financial institutions also use additional measures to prevent against fraud. Customers can use an email address as their PayID instead of a mobile number and still enjoy the benefits of fast, secure and convenient payments with Fast Payments.
Not all account types are eligible to have PayIDs linked to them – please refer PayID Terms & Conditions and the Accounts & Access Facilities Terms & Conditions to find out if your account type is eligible.
If you are unsure about the name shown contact the payee directly to confirm their PayID name.
A PayID can be closed within Online Banking or your People First Bank App.
For Online Banking, simply select ‘Self Service’ > ‘Manage PayID’. From there, expand the menu, select the ‘Close PayID’ button and follow the prompts.
For the People First Bank App, navigate to ‘More’ button. From there, select ‘Manage PayID’ to delete your PayID details using the bin icon.
You can only link your PayID to one account at one financial institution at a time. If you have created this PayID at another financial institution, you can change your existing PayID to a transferrable status with that financial institution and then register it with People First Bank again.
No, you do not need a PayID to make or receive Fast Payments – this is an alternative to your BSB and Account number.
A PayID can only be linked to one account across all financial institutions.
Yes, one account can have multiple (unique) PayIDs linked to it.
Osko FAQs
Osko is a service built on the New Payments Platform which enables Fast Payments to a PayID or a BSB and Account Number.
When making a payment via Osko, the Osko logo will be displayed on the Payment Review screen within Online Banking and the People First Bank App. You'll also be shown a message on this screen saying: ‘Your payment will be sent immediately’.
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