Catching up with friends and can't split the bill? Forget your account number and BSB! Get paid to your email address or Australian mobile number* when you set up a PayID with Heritage Bank.

Getting Started
Get paid to your PayID

A PayID is a unique identifier - either your email address* or Australian mobile number*. This identifier can be linked to your eligible bank account and used to receive easier and faster payments. 

To get started, check your mobile number and email address are up-to-date with Heritage. Then download the Heritage Mobile Banking App and select PayID under the main menu. 



Forget your account number and BSB. Receive payments to your email address* or Australian mobile number* when you set up your PayID.


Payments are received on average in under 60 seconds, 24 hours a day, 7 days a week.


You can transfer your PayID between different accounts, and different banks.


There are high security and fraud prevention measures to keep PayID and Fast Payments more secure.

How to

Create a PayID

1. Open the main menu in the Heritage Mobile Banking App and select PayID. 

2. Select the type of PayID (mobile number or email address) you want to create and enter the details.

3. When confirming your PayID details we will provide you a PayID Shortname, a shortened version of your account name. The Shortname will help the payee to identify your name when making payments to your PayID.

4. Read and accept the Terms and Conditions to create a PayID.

5. You will receive a One Time Password to complete the creation of the PayID.

A confirmation message will appear on the mobile app screen when you complete setting up your PayID. Heritage will create your PayID immediately on your account, however there may be a minor delay for the NPP addressing service to update. 

You may also set up to receive NPP transaction notifications in Heritage Online for added security.

Close a PayID

Your PayID will remain active and can still receive NPP Payments until you choose to de-register it. To close your PayID:


1. Open the main menu in the Mobile Banking App and select PayID. 

2. Select the PayID you wish to close

3. Select Close PayID


If you close your Heritage account, we will automatically close any PayID's that are linked to your account. If you close your PayID by mistake, you will need to recreate your PayID again if you wish to use it.

Lock/Unlock a PayID

You can lock your active PayID if you wish to temporarily stop it receiving payments. Simply jump into the PayID menu in the Mobile Banking App to lock or unlock your pay ID. If you are having difficulties, please contact us for assistance. 

Transfer a PayID

If you are switching accounts you can simply transfer your PayID. This allows you to still receive NPP Payments while the PayID Transfer is taking place.

1. Enable the ‘Transfer PayID’ option in the Heritage Mobile Banking App.

2. Complete the transfer process by setting up your your PayID for your other Heritage account or membership, or at another financial institution. 

3. Payments will switch automatically to your new account.

Once you select the ‘Transfer PayID’ option, you have 14 days to recreate your PayID. If you do not transfer it within 14 days, the transfer process will expire and your PayID will remain linked to its original account. 

Pay to a PayID

Transferring money to a PayID is very similar to a normal transfer in the Mobile Banking App.

Before you begin, check that the person you’re paying has an active PayID and confirm what it is. It could be their phone number, email address, business number or organisation ID.

How to pay to a PayID

  1. Go to Move Money and select your From account.
  2. Select your payee from (+) My Payee list.
  3. If you’re setting up a new payee, select (+) Someone New then select the type of payee you'd like to set up. A PayID a Phone Number, Email Address, Business Number or Organisation ID.
  4. Enter in the PayID and nickname details.
    • The nickname is for your reference only and is not used in the transfer process.
  5. Confirm the new payee details are correct and click Continue.  
  6. On the Make this payment... screen select Within 2 hours.
    • When you pay to a PayID, it will go through our NPP faster payment service. For first time payments, you will be required to accept the Terms and Conditions.
  7. Enter the transfer amount and click the arrow.
  8. Enter your message and click the arrow.
  9. Review the details including any warning messages. If you're happy that the details are correct, click the Tap to Pay button.  The amount will be transferred as a fast payment and should arrive within 2 hours.
Improve online payment security with PayID
Did you know that you can use PayID to reduce your chances of falling victim to a scam? Here's why.
Helping you

PayID & NPP Faster Payment FAQ's
Frequently asked questions about PayID, how to get paid to your mobile number or email address and the New Payments Platform (NPP).
NPP Faster Payments Terms & Conditions

Terms and conditions for use of  PayID, OSKO, and the New Payments Platform.

Other ways to bank
Other ways to bank

Our Contact Centre is here to help you with internet banking, account troubleshooting, card management and lots more.

Call our internet banking support line on 1300 722 767 or tap here for live assistance.