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Manage bills and payments from your bank account.

PayTo® is a new secure digital payment option that allows you to view, authorise and manage your payment agreements on eligible accounts (PDF) from within your ANZ banking channel.


What is PayTo?

PayTo is a fast, simple, and secure way to make payments from your eligible (PDF) ANZ account using your PayID® or BSB and account number. Whether it’s for your electricity bill, TV subscription or insurance policies, you can view, authorise, and manage your PayTo agreements easily all in one place within your ANZ banking channel.

Why use PayTo?

With PayTo, you’ll have more visibility and control over your payment arrangements with a new, digital experience in your ANZ banking channel. You will be able to see information such as when payments are due, for how much and who it’s for, allowing you to ensure you have enough money in your account and never miss a payment.

You can also easily, pause, resume, cancel your PayTo agreements all in one place and even update your linked account.

How does it work?

You can set up a PayTo agreement for a one-off or recurring payment for goods or services with a participating merchant (payee) using your BSB and account number, or better still, by using your PayID.

Once a PayTo agreement is submitted, simply review the details in your ANZ banking channel and either approve or decline the agreement. Once approved, you can easily pause, resume, view the details of your PayTo agreements or cancel them all in one place within your ANZ banking channel.

Safe and secure

PayTo is a fast and secure payment option. PayTo gives you more control over payments with the ability to view and manage PayTo agreements in your secure ANZ banking channel.

Make fast payments

Make easy, quick and secure payments from your eligible ANZ bank account. Choose to share your PayID or account BSB and account number with the merchant to set up a PayTo agreement.

Simple setup

Set up a PayTo agreement with a participating merchant without a card using your account details or PayID. You can easily review, authorise, decline and manage your agreements all in one place, at any time within your ANZ banking channel.

Easy to manage

See details of the PayTo agreements you’ve set up from your account(s) in your ANZ banking channel. You can view, authorise and manage your agreements and see your information such as when payments are due and for how much, all in one easy place.

Need more help?

Managing your PayTo agreements

Refer to PayTo Help

Frequently asked questions

Refer to FAQs

Personal customers

Call 13 33 50

Monday-Friday, 8am to 8pm (AEST)

Business customers

Call 1800 805 154

Monday-Friday, 8am to 8pm (AEST)


Set-up a PayID®

PayID makes it easy for you to set up PayTo agreement on the spot without the need to remember or find your BSB and account number.

Learn more


NPP and PayTo

PayTo operates via the NPP, the real-time payments infrastructure used by ANZ and other participating financial institutions to send and receive payments faster between eligible accounts.

Look for the PayTo logo to establish a PayTo agreement.

More information on PayTo can be found at and in your product Terms and Conditions.

PayTo agreements can only be viewed, authorised and maintained in your ANZ banking channel if the debiting account(s) is linked directly to your Customer Registration Number (CRN). Account eligibility criteria applies.

If you have a joint account, all account holders may be able to view, action or manage your PayTo agreement(s). This may depend on account authorisation and eligibility.

Selected accounts may not be eligible or become ineligible for PayTo due to the account authority requiring more than one to sign.

PayTo payments require cleared funds in your account prior to the payment being initiated by the payee or your payment may be unsuccessful.

PayID and PayTo are registered trademarks of NPP Australia Limited.

Temporary service disruptions may occur.