Why PayTo is helpful
Visibility
See all your PayTo history in one place and track payments in real time.
Control
Approve, pause or cancel PayTo requests straight from your banking app — no forms or phone calls.
Security
PayTo uses your bank’s secure systems, so your details stay protected.
How PayTo works
Step 1 — Share your payment details
Pay your bill via the Pay a Bill page and select PayTo as your payment method, then enter your PayID or your BSB and account number
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If you don’t have a PayID yet, you will have to create one in your online banking.
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A PayID is something easy to remember (like your mobile number or email) that links to your bank account.
Step 2 — Approve the agreement in your banking app
We’ll send a PayTo agreement to your bank which you can access in your banking app or website. Log in, review the details, and choose to authorise or decline.
Step 3 — Payment happens immediately
Once you approve the agreement, the payment is made. Next time you receive a bill, you can follow the same process and select PayTo as a payment method.
For more about PayTo, visit payto.com.au.
Frequently asked questions
Yes — once you authorise the agreement, the payment is usually immediate.
No payment will be made. You’ll need to start the process again or choose a different payment method.
Your bank may notify you through:
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a push notification in your banking app
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an email
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an SMS
This varies by bank - contact your bank if you’re unsure.
You won’t be able to use PayTo with that bank.
You may try another bank account or select a different payment option.
Most PayTo payments are instant.
In rare cases they may be delayed - you can check the status in your banking app or contact your bank for an update.
The notification you received confirms that the PayTo agreement was a single-use payment for that specific bill, it is not set up as an ongoing payment arrangement.