Osko® is the real-time payment service provided by BPAY. Use Osko via your Northern Inland Online and Mobile Banking services to make payments which are almost instant. Whether you’re paying a tradie, splitting a bill or transferring money to family for something urgent – the money will be there in seconds.

If your intended recipient is not registered for the NPP, your payment will not be processed in real-time. You will need to use a standard transfer using BSB and account number.

Please either complete this Enquiry Form, or send us a secure email through your Online Banking session, or phone our Contact Centre on 02 6763 5111 during business hours, or visit one of our branches. We verify your identity and advise you on terms and conditions, eligible accounts and security procedures.

Yes.
Within Online Banking

• token is required at login, or in the case of 2 to sign Memberships, at the authorisation request stage

• token is required when creating a new payee, when authorising a and when amending PayID information.

Online Banking Security

Northern Inland offers an additional security feature to ensure your online banking experience is as safe as possible. A second factor authentication is required for all registered Online Banking Members to use at the time of logging in.

SMS One-Time Passwords:

SMS one-time passwords are single use security tokens sent to your mobile phone for use when logging into your account online. Activate the one-time password option via 'Member Services' within your Online Banking session.

Within Online Banking

• Select 'Payments' and 'Transfer Money'
• Select the account you wish to transfer from
• Select 'New Personal Payee'
• Select one of the following options from the transfer methods available - Financial Account for a BSB and Account transfer, or if the payee has created a PayID with their Financial Institution, you can select email address, phone number, ABN or Organisation ID.

• Tap 'Payments'
• Tap 'New Payments Platform'
• Select the account you wish to transfer from
• Select 'New Personal Payee'
• Select the transfer method from the dropdown list using the scroll function - Financial Account for a BSB and Account transfer, or if the payee has created a PayID with their Financial Institution, you can select email address, phone number, ABN or Organisation ID.

• Select the account you wish to transfer from
• Tap '$ Pay or transfer'.
• Tap 'Pay someone'
• Select the transfer method from the onscreen options – ‘Account’ for a BSB and Account transfer, or if the payee has created a PayID with their Financial Institution, you can select ‘Email’, ‘Phone’ or ‘Business’.

No. You will need to transfer funds the standard method within Online Banking. You cannot choose how the payments is made via Mobile Banking; it will determine if Osko is available automatically. If Mobile Banking shows a message to say NPP isn't available, you can tap 'back' and then tap 'Transfer' to send funds the standard way.  Payments may take up to 48hrs to be received.

You can set up future payments to be sent via Osko on both Online Banking and Mobile Banking. However, you will only be able to review/ make changes to Osko future payments via your Online Banking session.

A PayID is a unique identifier you choose to link to your 'S' accounts to receive Osko payments. Currently supported: email address, mobile phone number, ABN or Organisation ID if you are a Business Member.

You can only link one PayID to one account at any one financial institution. For example, if you have two 'S' accounts, you would need two unique PayIDs – one linked to each account. Then if you have an account at another FI, you will require another unique PayID to link to it.

You do not need to create a PayID to use the Osko fast payment service.

In Online Banking

Go to 'Member Services' and select 'Manage PayID'. Create a PayID by linking a PayID Type to your chosen 'S' account within your Online Banking. These may be a Mobile Number or Email Address. If you are a Business Member we will need to create it for you and you can use ABN or Organisation ID in addittion to the mobile and email.
The PayID (e.g. email address or phone number), must be loaded in your contact details in order for it to be selected. Go to the Contact Details page to update your contact details. Then go to 'Create PayID' or 'Manage PayID' to link each PayID type to your chosen 'S' accounts.

In Mobile Banking

Login to mobile>tap More>Tap PayID
Select contact detail to be used as PayID
Select appropriate A/c
Tap Next> one verification page> enter your verification code received by your chosen PayID (i.e SMS if mobile or Email if email)
Tap Accept terms and conditions, and Tap Next.
PayID will now be created and ready to receive payments.
 

To complete the PayID creation process, a verification code is sent to either the mobile or email address listed and you will be required to accept the terms and conditions. You must warrant that you have the authority to use the PayID you have nominated, and you must advise us if this changes.

A PayID Name is a name that reflects an account holders real name which can be used to confirm the recipient of a payment.
The PayID Name will appear before you send a payment as an additional level of confirmation that you are sending money to the right person.

In your online banking or mobile banking portal, select 'Transfer Money' (for Online Banking) or New Payments Platform (for Mobile Banking) payments area.

Enter the recipients PayID and the amount you want to send.
A PayID name displays. This usually reflects an account holders real name. Check carefully that the PayID name matches the person to whom you wish to send the payment. Please take care as it may not be possible to retrieve funds that have been sent to the wrong account or recipient.

You aren’t required to create a PayID to send a payment via Osko, but the security token requirement would still apply for Osko to be enabled.

You aren’t required to create a PayID to receive a payment via Osko, you simply need to give the person who is paying you, Northern Inland's BSB 802-298 and the external account number that is linked to the 'S' account you want the funds to go to. If you give your Member number it will take the normal 48hr period to receive the funds. You can find your external account number when logged into Online Banking, under  'Help' > 'BSB information'.

If for any reason you want to temporarily stop people from sending payments to a PayID that you own, you can request Northern Inland to lock/unlock it for you. Northern Inland may also lock your PayID for security purposes.

You can transfer the use of a specific PayID to another financial account that you own. Keep in mind however, that only one financial account can be linked to a PayID at a time.
Within Northern Inland

• Log into Online Banking and select 'Member Services'
• Select 'Manage PayID'
• Select the PayID you wish to update and select the NICU 'S'  account and save changes

To another financial institution

• Log into Online Banking and select 'Member Services'
• Select 'Manage PayID'
• Click on the “Manage” link next to the PayID you wish to update
• In the Action drop-down list, select 'Transfer'
• In the 'Your Access Code' field, type your access code [Mobile Banking only]
• Click 'Update' or you can cancel the transfer

You can update your PayID Name by contacting us. The default name is the account name.
The new name you choose, however, should reasonably and accurately reflect your real name for consumers or your account name for businesses.

If you no longer want to use PayID or no longer own that specific PayID (email/ phone number/ ABN/ Organisation ID), you can close your PayID by contacting us or by logging into Online or Mobile Banking:

• Log into Online Banking and select 'Member Services'
• Select 'Manage PayID'
• Click on the 'Manage' link next to the PayID you wish to update
• In the Action drop-down list, select Close
• In the 'Your Access Code' field, type your access code [Mobile Banking only]
• Click Update

Doing so means that you will have to undergo the process of creating a PayID once again if you want to use PayID in the future.

If you no longer own that specific PayID (email/ phone number/ ABN), you can update your contact details, close the current PayID and then relink your new PayID by logging into Online or Mobile Banking:

• Log into Online Banking and select 'Member Services'
• Select 'Manage PayID> Manage> Select Close from the Action Box>Update
• Select 'Update Contact Details' and update required personal contact information
• Select 'Manage PayID'
• Click on the 'Manage' link next to the PayID you wish to update
• In the Action drop-down list, select the new required phone number/ email address to link to your 'S' account
• In the 'Your Access Code' field, type your access code [Mobile Banking only]
• Click Update