A PayID is a unique identifier of an account holder, such as a mobile phone number and email address or an ABN and ACN (for business accounts only), which can be linked to an account to receive payments made through the New Payments Platform (NPP) or Osko.

That means, if your account is Osko eligible and you need to pay someone who’s created a PayID, you don’t have to chase up their BSB and account number – they can simply provide you their PayID and you can pay them that way. A person can then make an Osko or NPP payment to your PayID instead of a BSB and account number, if they are permitted to do so by their financial institution.

Please refer to the Product Information Document  or Schedule of Fees and Charges applicable to your account to see if your account is Osko eligible or if you are able to link it to a PayID.

For personal accounts

You can create a PayID and link it to your eligible Suncorp Bank personal account by using the Suncorp Bank App. To create a PayID in connection with a personal account you must accept our PayID Terms and Conditions.

You may only create a PayID in connection with a personal account if you are an Account holder. Individuals who have been authorised by an account holder to operate or access a personal account will not be able to create and link a PayID in relation to that account.

To create a PayID for a personal account via the Suncorp Bank App:

1. Login to the App, click on the ‘cog wheel’ at the top left corner of the Accounts screen and select ‘PayID’.
   
2. Tap ‘Create PayID’, read and accept the PayID Terms and Conditions, and choose your eligible mobile number or email address to register for PayID.
3. Select the account to link your PayID with, confirm your details, and tap ‘Create PayID’.
4. A one-time verification code will be sent to you. Enter the verification code, tap ‘Next’, and then a message will pop up saying that your PayID has been created successfully.

To pay someone using their PayID in the Suncorp Bank App:

1. Open the Suncorp Bank App and tap the ‘Transfer’ icon in the menu bar at the bottom of the screen.
2. Select ‘Pay Someone’.
3. Select the account you wish to transfer funds from.
4. Tap ‘+ Select Account’ and then tap the ‘+’ icon on the bottom right-hand side.
5. Select either Phone Number, Email, ABN or ACN, or Organisation ID.
6. Add the payee details or select from contacts. Click ‘Next’.
7. We’ll then verify with the NPP the PayID you’ve provided to us and advise who it is registered to for your confirmation. You will need to ensure that the PayID and the associated name are correct, as incorrect details could result in payment to the wrong account and the loss of your funds.

For business accounts

For eligible business accounts, you can create a PayID via Internet Banking, by calling us on 13 11 75 or visiting a Suncorp Bank branch.If you create a PayID in connection with a business account the applicable terms and conditions are set out in the “PayID” section of the Business Account Product Information Document or Schedule of Fees and Charges for Other Suncorp Bank Business Accounts, as applicable to your account.

You may only create a PayID in connection with a business account if you have one of the following relationships to the account:

• Signing Officer
• Registered Business Owner
• Primary Owner
• Secondary Owner
• Trustee
• Power of Attorney

To create a PayID for a business account via Internet Banking:

1. Login to Internet Banking and click ‘PayID for Business’ on the left-hand side navigation menu.
2. Click ‘Create PayID’, read and accept the terms and conditions.
3. Select the account to link your PayID with.
4. Choose your eligible mobile number, email address or ABN or ACN to register for PayID.
5. Confirm your details and tap ‘Create PayID’. If the details are not correct, please contact us.
6. A one-time verification code will be sent to you (mobile and email only). Enter the verification code, click ‘Next’, and then a message will pop up advising that your PayID has been created successfully.

To pay someone using their PayID via Internet Banking:

1. Log into Internet Banking and click ‘Transfer Money’.
2. Select ‘Pay Someone’/
3. Select the account you wish to transfer funds from.
4. Click ‘+ New Payee’ and then click the PayID tab.
5. Select either Phone Number, Email, ABN or ACN, or Organisation ID.
6. Add the payee details or select from contacts. Click ‘verify payee’.
7. We’ll then verify with the NPP the PayID you’ve provided to us and advise who it is registered to for your confirmation. You will need to ensure that the PayID and the associated name are correct, as incorrect details could result in payment to the wrong account and the loss of your funds.

It’s important to note that not all banks and financial institutions permit their customers to have a PayID or to pay to a PayID.