What is BPAY®?

BPAY® is a bill payment service that lets you pay your bills day or night, through your phone or Internet Banking. It offers fast and secure payments to more than 45,000 Billers, making it easier and quicker to pay your bills. To view a full listing of BPAY® billers visit bpay.com.au.


Make a BPAY® payment before 6:00pm (Melbourne time) on a business day and we’ll send the details to the biller’s bank on the same day.


Enjoy peace of mind knowing that with BPAY® you’re making your payment in a secure environment.


Access BPAY® and pay your bills anytime, anywhere with your choice of online, mobile or phone banking.

How it works

BPAY® gives you total control of your payments. You can pay one-off bills such as your telephone, electricity and gas either online or over the phone. You can even schedule payments for a later date or make partial payments.

For our NAB internet banking customers, BPAY® payments made to NAB authorised billers (such as gas, water and electricity providers and government departments) will not be included in your daily transfer limit. You’ll be advised in Internet Banking when a bill payment is being made to a NAB authorised biller.

  • Step 1 Locate the distinctive BPAY® logo on your bill to find the Biller Code and Reference number.
  • Step 2 Login to Internet Banking, Mobile Internet Banking or call 13 22 65.
  • Step 3 Select the BPAY® or bill payment option and follow the instructions. 

How long do BPAY® payments take?

If you make a BPAY® payment before 6:00pm (Melbourne time) on a business day, we’ll send the details to the biller’s bank on the same day. The biller is required (under BPAY® rules) to treat your payment as being received on that same day.

Payments made after 6:00pm on business days, or at any time on a weekend or public holiday will usually be treated as being received by the biller on the next business day. The time that it takes for the biller’s account to actually be credited will depend on the policy and systems of the biller’s bank.

What is BPAY View?

BPAY ViewTM allows you to receive your bills electronically, with summaries delivered directly to your Internet Banking. You can view your bill, make a payment or schedule a payment for later. BPAY ViewTM also lets you:

  • reduce your paper bills and help the environment
  • view bills online from anywhere in the world 24 hours, 7 days a week
  • be notified in Internet Banking and by email every time a new bill is received
  • receive, view and print electronic bill summaries
  • view and print the detailed bill through a biller provided link.

Read our guide to learn how to set up and use BPAY ViewTM.

To see if your biller is among those that currently provide the BPAY ViewTM facility, visit bpay.com.au.

Are you new to BPAY®?

Using BPAY® can be tricky when you begin, click to learn a step-by-step guide of how simple BPAY® operations work.

Interested in setting up BPAY® for your business?

Important information

BPAY® and BPAY View™ are trademarks of BPAY Pty Ltd ABN 69 079 137 518.

NAB has not taken into account your objectives, financial situation or needs and recommends that you consider whether any advice in this webpage is appropriate for your circumstances. NAB recommends you consider the Personal Transaction and Savings Products Terms and Conditions available available here, before making any decisions regarding this product. 'This product is issued by National Australia Bank Limited ABN 12 004 044 937.'