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PayID (coming soon)

Faster, simpler and smarter payments are on the way.

Soon you can use a PayID to pay or get paid on eligible accounts, instead of remembering a BSB and account number.disclaimer

What is PayID?

PayID can be your phone number, email address or ABN/ACN. It’s unique to you and your eligible bank account.disclaimer It doesn’t replace your BSB and account number which stays exactly the same – it’s like a nickname for your account.

Why use a PayID?

Fast

Many payments will be easier and faster on eligible accounts – they may happen right away, even between different banks.disclaimer

Smart

Include up to 280 characters of free text to describe your payment.disclaimer

Simple

It’s simpler to remember and share than your BSB and account number. 

Secure

Transactions made using PayID have the same level of security that protects your existing bank accounts and payments. 

Your questions answered

ANZ customers will be able to link a mobile number or an email address to an eligible ANZ account to create a PayID. If you have an eligible business account you will also be able to use an ABN or ACN as your PayID.  

You can create as many PayIDs as you like, as long as you can prove that you are the rightful owner of the email address, phone number or ABN/ACN, however you can only link a PayID with one eligible account at any given time. 

No, ANZ is unable to create PayIDs on your behalf. 

A PayID can only be linked to one eligible account at any given time.

Once it’s set up you can start giving your PayID to people who need to pay you. You will no longer need to provide people with your BSB and account number to receive payments to eligible accounts.disclaimer

Yes, multiple PayID types can be linked to the same eligible account. For example, you could link an email PayID and a phone number PayID to the same account. 

No, a PayID acts like a ‘pointer’ to your BSB and account so you no longer have to remember them. You may still be able to make faster payments to a person by continuing to use their BSB and account number if that is what you prefer.disclaimer

ANZ customers will soon be able to send faster ‘Pay Anyone’ payments between eligible accounts  with Osko by BPAY®.disclaimer

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More information

payid.com.au

Osko by BPAY®

Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ One, ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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280 characters will be available following successful prior use of PayID to a recipient.

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To be eligible for Business Finance Benefits eligible business lending accounts you must have a business turnover of less than $5 million per annum and have total business loans and/or approved business facility limits with ANZ (excluding asset finance facilities provided by ANZ) not exceeding $200,000 in total. For more information, please refer to ANZ Business Select Package Terms and Conditions (PDF 460kB).

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References to insurance premium amounts for the purposes of calculating the applicable ANZ Breakfree Package and anz@work benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.  To be entitled to a discount on your insurance you must notify the insurer at the time of application. Please note for ANZ Home Insurance , ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year's premium. These discounts are not available in conjunction with any other discount offer made by ANZ or any OnePath entities. ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). The life benefits in ANZ Mortgage Protection and ANZ Loan Protection are issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238341); the disability and involuntary unemployment benefits are issued by QBE.  The rebate applies to eligible policies which are ANZ Home Insurance Buildings cover, ANZ Home Insurance Contents cover, ANZ Landlord Insurance and ANZ Car Insurance and is subject to the  terms and conditions set out in the PDS for each product. This offer is also available to ANZ customers outside the anz@work program. These products are not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees the issuers or the products. You should consider the relevant Product Disclosure Statement (available at anz.com or by calling 13 16 14) in deciding whether to acquire or continue holding these products.

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Share Investing Limited ABN 93 078 174 973 AFSL No.238277, an ASX and Chi-X Australia Market Participant, is the provider of the ANZ Share Investing service. Execution, settlement and clearing is undertaken by Share Investing Limited. Share Investing Limited is a subsidiary of Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) but is not an authorised deposit-taking institution under the Banking Act. When you become a customer of Share Investing Limited, it will open an ANZ Cash Investment Account (Cash Account) on your behalf. ANZ is the issuer of the Cash Account. Apart from any deposits in the Cash Account, the obligations of Share Investing Limited do not represent deposits or other liabilities of ANZ. ANZ does not guarantee the obligations of Share Investing Limited.

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Leveraging a share portfolio is fast becoming a popular wealth creation strategy. However, you should be aware that whilst leveraging into investments increases the potential return, it is important to recognise that it can also multiply the effects of losses. We therefore strongly advise you talk to your financial planner, tax adviser and/or stockbroker and ensure you understand the risks, the specific tax implications as well as the legal and financial ramifications of a share investment lending facility.

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ANZ Smart Choice Super and Pension is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673), a wholly owned subsidiary of ANZ. This product is not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees investments in the product. Temporary service disruptions may occur.

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ANZ Self Managed Super is offered by ANZ Self Managed Super Limited ACN 092 030 352 (ANZ SMSL), an authorised representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429 (‘RI Advice’). ANZ SMSL and RI Advice are wholly owned, but non guaranteed subsidiaries.

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Transactions in excess of $1000 AUD equivalent are only available to ANZ personal customers who are defined as individuals who hold a Saving and Transaction, Credit Card, Everyday Visa Debit, Consumer Lending and/or Investment Lending Product. ANZ Cash sell rate will be applicable for the total value of packs purchased. Loose foreign currency and ANZ Cash Packs are available at ANZ branches, ANZ Foreign Exchange centres and via ANZ Phone Banking and are subject to stock availability. Standard product terms and conditions apply.

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BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 

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Temporary service disruption may occur.

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