How to Deposit With PayID: 5 Easy Steps (2026 Guide)

1 What PayID Is

PayID is a payment system that is managed by NPP Australia. With PayID, your bank account can be linked to a simple identifier such as your mobile number, email address, or ABN.

When you choose to pay someone using their PayID, their name will be displayed on your screen prior to approving the payment. This helps to avoid sending money to the wrong person. The payment will travel through the New Payments Platform (NPP) between the two banks 24 hours a day including weekends and public holidays.

Online casinos and betting sites that accept PayID payments will provide you with a unique PayID email address. Use this email address in place of your bank account details when making your deposit into the site.

If you are still choosing a site, our PayID casino comparison covers the reviewed options available to Australian players.

Near-instant transfers

Most PayID payments will arrive within 60 seconds of initiating the transfer of money into the recipient's bank account.

No card details shared

With PayID, your funds go from one bank to the other - your card number and BSB will never leave your banking application.

No fees

NPP Australia does not charge any fees for sending or receiving PayID payments. However, your bank might implement a fee for certain transactions.

24/7 availability

PayID uses the New Payments Platform which processes all transfers at any time of the day or night.

Works in your banking app

Use the "Pay Anyone" feature in your banking application that you are already very familiar with.

All major banks

CommBank, NAB, ANZ, Westpac, ING, St.George and most other Australian banks support PayID.

2 How to Deposit With PayID: 5 Steps

The steps detailed below will work for any bank that you use for your banking transactions. Your banking application might have slightly different buttons for making the PayID deposit.

1. Log into the site and go to the deposit page

   Head into your banking application and locate the cashier or banking area of your banking application. Under payment methods, select PayID. If you have not used PayID before with this site you will be prompted to generate your PayID email address.

2. Copy your unique PayID email address

   Your PayID email address will display on the site for your reference. Your PayID email address will be something like a random string of characters at your site's domain. Select the button to copy this address into your clipboard. This address will not change for your bank account.

3. Open your banking app and select "Pay Anyone"

   Navigate into your banking application and select the "Pay Anyone", or "New Payment" option. Select PayID as the payment method, then click on "Email" as the field to which you will enter your PayID address.

4. Paste the PayID email and confirm the payee name

   Enter the PayID email address that you copied from the casino or betting site into your banking application. Your bank will display the name of the account associated with this PayID address. Enter the amount of money that you would like to deposit into the site.

5. Confirm the payment

   Review all payment details and click the "Confirm" button on your banking application. Your bank will transfer the money to the destination via the New Payments Platform. Most PayID payments will arrive within 60 seconds of initiating the transaction. Your bank may hold the first payment to a PayID for up to 24 hours to prevent fraud transactions.

The PayID email address that is issued to you at a casino or betting site is specific to that site and your bank account at that site. It is not the same as the contact email address for the site. Do not use a different PayID address that you find on the website. Instead, your PayID email address will be generated within your account's deposit page on the site.

3 Which Banks Support PayID Deposits

PayID uses the New Payments Platform which is available at most banks in Australia. The table below displays the banks that participate in the New Payments Platform. For a complete list of banks that participate in the New Payments Platform, visit the official NPP Australia website at nppa.com.au.

If your bank does not appear on the list above, it is possible they have integrated with the New Payments Platform as well. Check their website or contact them directly with "PayID" in their banking application. Most banks in Australia have joined the New Payments Platform by 2020. Smaller banks and credit unions may still use BSB numbers to complete transfers.

4 How Fast PayID Deposits Arrive

PayID uses the New Payments Platform which processes PayID payments in near real time.

First-time deposits

Your bank may hold your first PayID payment for up to 24 hours. This is to prevent fraudulent transfers of money between bank accounts. This is a standard procedure of the New Payments Platform and is not controlled by the site.

Subsequent deposits

Any PayID payments that you make after successfully making your first PayID payment will take place within 60 seconds of initiating the transaction. Some banks even state that PayID payments between bank accounts take place in "less than a minute" according to their documentation.

Delays caused by the site

The site may take some time to process the funds after they arrive into their account. The amount of time for processing can be seen on the site's published PayID information. After 30 minutes of attempting to deposit into the site, if the funds have not yet arrived into the account at the site, contact the site's support department.

If you have initiated a PayID payment, but the funds have not yet arrived into the bank account of the person to whom you sent the money, contact your bank first. The bank can tell you whether the PayID payment has been held by the bank. The PayID website is unable to retrieve funds that have been sent out of your bank account.

5 PayID Deposit Fees and Limits

Fees

NPP Australia does not charge fees for PayID payments. CommBank, NAB, ANZ, Westpac and ING all state within their banking documentation that they do not charge fees for PayID payments. However, your bank may have fees for certain types of PayID transactions or accounts.

Deposit limits at your bank

Most banks will place a limit on the amount of money that can be transferred via the New Payments Platform. The limits for these banks will vary. Most banks will limit PayID payments to a maximum of $10,000 per transaction. For most banks, the daily limit is higher than the limit for a single transaction. These limits can be increased by contacting your bank directly.

Deposit limits at the site

Each site will have their own limits for PayID payments. The minimum PayID payments will be a relatively low amount, such as $10. The maximum PayID payments will be set by each site. If you attempt to deposit an amount that goes over the limit for PayID at the site, the PayID payment will be returned to your bank account.

Using PayID is completely free. There will be no fees charged to your account by NPP Australia for PayID payments. Whether you are transferring PayID payments to a friend or to a site that accepts PayID, the cost of the transaction is free.

6 PayID Deposit Security

PayID uses the same security protocols that your bank uses for all account to account payments. Your BSB and bank account number will never leave your banking application during a PayID transaction. The individual receiving your PayID payment will only be able to see your PayID and the name associated with your PayID.

Payee name confirmation

Prior to confirming a PayID payment, your banking application will display the name of the individual that is to be paid by the PayID. This allows you to ensure that you are sending the money to the correct individual.

Your account details stay private

A PayID can only be used to receive money into your bank account. No PayID will ever be issued that can be used to take money out of your bank account. Individuals with access to your PayID will be able to send money to your bank account, but they will not have access to your bank account number.

Fraud monitoring

Both NPP Australia and your bank will perform fraud checks on PayID payments. Your bank may hold a PayID payment if it recognizes that it might be fraudulent. This is a protective measure by your bank and the New Payments Platform.

7 PayID vs Standard Bank Transfer

Both methods will move your money from your bank account to the account of the individual or business to whom you are sending the money. PayID and bank transfers are different in a few ways.

• PayID payments are processed in near real time. Bank transfers take place one business day and do not process on weekends or public holidays.
• PayID payments use a simple email or mobile number to identify the individual to whom you are sending money. Bank transfers require your BSB and bank account number - two long numbers that must be correctly entered during the transfer.
• PayID payments will display the name of the individual that will receive the money before you confirm the transfer. With bank transfers, there is no way to verify that the account number that is entered into the bank application belongs to the individual that you are attempting to transfer money to.
• Both methods are free at most major Australian banks for personal account holders.
• PayID payments can happen 24 hours per day. Bank transfers only happen during business hours of the banks involved.

PayID is much faster for online casino and betting site deposits and includes an extra confirmation step that prevents any errors with the payments. Standard bank transfers are only used if the site does not have a PayID or if your bank does not participate in the New Payments Platform.

8 Troubleshooting PayID Deposits

Funds sent but not received at the site

Check your bank account first. If your payment left your bank account it has either been received by the site or is being held for processing. After 30 minutes on a deposit into the same account at the site, the money should have arrived. For a first time deposit into a site, the PayID payment can take up to 24 hours to be processed. If neither of these situations apply to you, then contact the site's support department.

Funds returned to my bank account

There are a few reasons that your PayID payment has been returned to your bank account. First, you may have deposited an amount that went over the maximum deposit limit at the site. Secondly, the bank account at the site may have been closed. Thirdly, the PayID address that you used may have contained errors. Ensure that the PayID that you used was copied from the site's deposit page and not manually typed into the banking application.

Bank says the PayID is not registered

Your banking application did not find an active PayID by the email address you entered. Check that you correctly copied the PayID from the site into your banking application. If it appears to be correct by your banking application, contact the site's support department.

Payment is blocked by my bank

Some banks will hold first-time PayID payments for certain individuals as a preventative measure against fraudulent payments. If your bank holds your payment, they will ask for your authorization of the payment. If the payment is held without notice or explanation, contact your bank's support department for assistance authorizing the payment.

Paid the wrong PayID address

If you have sent money to the wrong PayID number, contact your bank as soon as possible. Your bank may be able to recall the payment. While the outcome is not guaranteed, the sooner you contact your bank the higher the chance of them succeeding in recalling your money. The PayID website cannot initiate a recall of your PayID payment. Ensure that you copy the PayID from the deposit page of the site to which you are sending the money.