How to Set Up PayID Safely
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Setting up PayID takes under five minutes inside your banking app and, once active, means you never hand a casino your BSB, account number, or card details — just a simple alias that points to your account. Done correctly, it is the most privacy-protective deposit method available to Australian players right now.
What You Actually Need Before You Start
PayID runs on the New Payments Platform (NPP), the real-time rails that power Osko transfers 24/7 — including weekends and public holidays. Before you touch the app, two things need to be in order.
An eligible transaction account. PayID must be linked to a standard bank account (cheque or savings); it cannot be linked to a credit card or a term deposit. Every major Australian bank — CommBank, ANZ, NAB, Westpac, ING, Macquarie, Bendigo, Bank of Queensland and most credit unions — supports PayID registration.
A choice of identifier. You can register PayID against:
- Your Australian mobile number (most common; easy to remember)
- An email address
- An ABN (business accounts only — not relevant for personal gambling use)
For casino deposits, a mobile number is the practical choice. It is short, unique to you, and easy to type into a casino cashier. An email address works fine too, but if you ever change email providers you will need to re-register. You cannot use the same identifier on two different bank accounts simultaneously — PayID is a one-to-one link.
If you want a deeper look at how the underlying system works, our what is PayID explainer covers the NPP architecture in plain English.
Step-by-Step Setup by Bank
The registration flow is slightly different at each institution, but the logic is identical: find "PayID" inside your internet or mobile banking, choose your identifier, and verify it.
| Bank | Where to find PayID setup | Verification method |
|---|---|---|
| CommBank | NetBank or CommBank app → Settings → PayID | SMS code to your registered mobile |
| ANZ | ANZ Plus or ANZ Internet Banking → Profile → PayID | In-app confirmation |
| NAB | NAB app → More → Manage PayID | SMS or email code |
| Westpac | Westpac app → More → PayID | SMS code |
| ING | ING app → Profile → PayID | SMS code |
| Macquarie | Macquarie Bank app → Settings → PayID | In-app confirmation |
| Bendigo Bank | Bendigo Bank app → Settings → PayID | SMS code |
| Bank of Queensland | BOQ app → Settings → PayID | SMS code |
The Universal Six Steps
- Open your banking app and log in with your normal credentials (PIN, Face ID, or fingerprint).
- Navigate to PayID settings. On most apps this lives under "Profile", "Settings", or "More". Search "PayID" in the app's search bar if you cannot find it.
- Select your identifier. Tap "Mobile number" and confirm your number is correct, or enter the email address you want to use.
- Verify ownership. The bank sends a one-time code to that number or address. Enter it within the time limit (usually 60–90 seconds).
- Confirm the link. The app shows you which account your PayID is now attached to. Double-check it is the account you intend to use for deposits.
- Test with a small transfer. Send $1 from a second account (or ask a friend to send you a dollar). You should see your registered name appear as the payee name before the transfer is confirmed — this is the PayID name-check working exactly as intended.
That name-check step is the security feature that matters most. When a casino sends you their PayID to deposit to, you will see the registered business name before you confirm. If the name looks wrong or generic, stop — that is a warning sign worth reading about on our PayID scams and red flags page.
Per-Bank Timing Notes (First Deposit Behaviour)
Not all banks behave identically on your very first transfer to a new payee, and this catches players out.
CommBank applies an NPP hold on first-time payees. Your initial deposit to a casino's PayID may be held for up to 24 hours while CommBank's fraud detection reviews it. Subsequent deposits to that same payee are instant. This is a CommBank security measure, not a casino problem — factor it in if you are signing up for the first time and want to play tonight.
ANZ, NAB, Westpac, and ING all process Osko transfers in real time from the first transaction. Once the casino confirms receipt on their end — typically 5–15 minutes at a reputable operator — your balance is available.
ING has a daily default limit of A$1,000 per day for Osko transfers, which is lower than CommBank's or NAB's common defaults of A$2,000–A$5,000. If you want to deposit more than A$1,000 in a single day, call ING or adjust the limit inside the app before you need it. Daily limits are set by your bank, not the casino — for a full breakdown see our deposit limits and fees guide.
What to Never Share — and Why PayID Protects You
The entire security argument for PayID rests on one fact: you share only your alias, not your financial credentials. Here is what that means in practice.
When you deposit at a PayID casino, the cashier asks for the casino's PayID address (their mobile or email). You enter it in your banking app, confirm the name-check, and send the amount. The casino never sees your BSB, your account number, or anything that could be used to pull money from your account.
Never share the following with any casino, ever:
- Your BSB and account number
- Your PayID identifier (your mobile or email) — the casino does not need it to receive a deposit
- Your banking app password or PIN
- Any one-time verification code sent by your bank
A legitimate casino cashier will give you their PayID to send money to. If any casino representative asks for your PayID identifier or your banking login, that is a rogue operator. Our how to choose a safe PayID casino page outlines the vetting checks that separate reputable offshore operators from the bad ones.
It is also worth noting: the "PayID upgrade" scam that circulates on Facebook Marketplace — where a fake buyer claims you need to upgrade to a "business PayID" to receive funds — has nothing to do with gambling. No such upgrade exists in any context. In the casino world, the real risk is not a flaw in PayID itself but depositing at an unvetted operator. See is PayID safe for a full risk assessment.
Comparing PayID to Your Other Deposit Options
Once your PayID is active, it is worth understanding why it sits above the alternatives for casino use. POLi, for instance, is deposit-only and is being wound down by its operator — it offers no withdrawal path and shrinking bank support. Neosurf is a prepaid voucher: anonymous and simple for deposits, but you cannot withdraw back to it. Credit and debit cards expose your card number to the operator and frequently carry a 1–3% processing fee.
PayID deposits are free — the NPP charges nothing, and any reputable casino passes that cost on as zero. If you ever see a "PayID processing fee" listed in a casino's cashier, treat it as a red flag and leave. We cover this in detail on our are PayID deposits free page.
For a side-by-side comparison of all methods, including crypto, visit our PayID vs other methods overview.
How Do I Set Up PayID?
Open your banking app, go to the PayID section, choose an identifier (mobile, email or ABN), confirm the one-time code and link it to a transaction account. It takes under two minutes and costs nothing.
How Do I Get a PayID?
You create one free inside your own bank’s app — there’s no third-party signup. Every Australian bank on the NPP supports it, including CommBank, ANZ, NAB, Westpac and ING.
Frequently Asked Questions
No. A PayID identifier is a one-to-one link — one mobile number can only be registered to one bank account at a time. If you want to switch your PayID to a different account, you deregister it at the current bank and re-register it at the new one. The process takes a few minutes.
CommBank's first-payee hold can last up to 24 hours; this is normal behaviour and not a sign the casino has taken your money. Check your CommBank app — the transfer will show as "pending" rather than completed. If it has not cleared after 24 hours, contact CommBank directly, not the casino. Once that first transfer clears, every subsequent deposit to the same PayID is instant.
No. Registering a PayID is a free administrative action inside your existing account. It does not create a new account, trigger a credit check, or appear on your credit file. It simply attaches an alias to your existing transaction account.
When you close an account, the PayID linked to it is automatically deregistered. If you open a new account — even at a different bank — you can re-register the same mobile number or email to the new account. Any casino you have previously deposited with will simply receive your next transfer to their PayID as normal; they do not store your PayID details on their end.