Your PayID is a unique identifier linked to your transaction account and can be your email address, mobile number or ABN. Once you create a PayID, you can provide it instead of your BSB and account number to make getting paid easier.

It isn’t compulsory to have a PayID to send or receive a fast payment. You can still use a BSB and account number if you want. For further information, visit the official PayID website.


Transferring money online is now faster and simpler. Here’s an example:

Imagine you’re heading out for a night at the movies. You organise and pay for the tickets for you and your four friends. You let your friends know your new PayID and they use it to pay you via their mobile internet banking. You get the funds back within 60 seconds. Now you’re free to enjoy the movie and buy that popcorn.


  1. After logging in, go to the Menu.
  2. Tap “Settings”.
  3. Tap “Payments" and then "View and Create PayIDs“.
  4. If you have an eligible transaction account, the form may already have the details you can use for your PayID. If your mobile number or email address is out of date, you can update them in My details.
  5. Select the account you would like to link to your PayID.
  6. Choose the PayID type you wish to create – email address, phone number or business number.
  7. To help identify your PayID Select a PayID short name from the options provided.
  8. Complete the process, including accepting the PayID Terms and Conditions, and your new PayID is ready to go.

Frequently asked questions

Can changes be made to a PayID? How do I update my PayID?

Once you’ve created your PayID you’ll be able to update it through NAB Internet Banking or NAB Connect (updating your PayID is not currently available via the NAB Mobile Banking app).

You’ll be able to:

  • Move your PayID between financial institutions by updating the status to ‘Transfer’.
  • Update the PayID name that identifies your PayID. The PayID name must be reflective of your customer profile name and we provide a list of approved options. If you wish to update your profile name, please contact NAB as we will need to re-verify your identity.
    Change the account your PayID is linked to.
  • Lock a PayID, so no payments can be received to the PayID.
  • Unlock a PayID that has previously been locked.
  • Close a PayID. A closed PayID can be linked to another account - within NAB or another financial institution. While closed, the PayID will not receive funds.

What happens if the PayID I want isn't available?

We perform an availability check at the time of creating a PayID. If a PayID isn't available, it means it's already is use. If you think someone has created a PayID that belongs to you or your organisation, you can contact us to investigate.

Can another person use my details as their PayID?

All banks follow strict identification steps to ensure a customer has the right to use a PayID and the account it’s linked to.

At NAB, we’ll verify ownership by sending a code to your email or mobile.

Can I have multiple PayIDs?

Yes, you can create more than one PayID for an account. However, you can’t link a single PayID to multiple accounts.

Who can see my PayID? Will my personal details be used for other purposes?

If you've created a PayID, your PayID name can be viewed by anyone making a payment to your PayID – it’s used during payment initiation to help confirm that the payment is being made to the correct PayID. Your bank account details and personal information linked to your account are not disclosed when PayIDs are used for making payments. Rest assured, we'll keep your personal details secure and your privacy continues to be managed within our privacy policy.

How do I transfer or cancel my PayID? Does my PayID still work if my mobile, email or ABN changes?

You can transfer or close your PayID through NAB Internet Banking or NAB Connect. If your mobile number, email address or ABN changes you'll need to close the PayID as you may not have the authority to use it.

What do I do if I’ve paid the wrong PayID or made a mistake with my payment?

If you've made a payment to the wrong payee, then you can lodge a transaction dispute, to find out what you need to do to lodge a dispute go to our transaction dispute page.

Are fast payments secure?

Fast payments are protected by NAB’s real time transaction processing and monitoring capability and PayID is just as secure as how you bank now. Visit our Security Centre to learn more about how to stay safe online, including how to keep your Internet devices secure.

If I choose a mobile phone as my PayID, will it end up being +61 4xx xxx xxx, 041x xxx xxx or +61 04xx xxx xxx?

All banks standardise PayIDs of type phone number to include international prefixes when you create the PayID. You can tell your Payers to use your mobile number without the country code. Simply quote 04xx xxx xxx.

Further information about PayIDs and fast payments is available in the Terms and Conditions for your eligible account or Business Products Terms and Conditions.


We’re here to help. Talk to us on 13 22 65. If you’re a business customer you can contact a NAB business banker on 13 10 12.

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