What is PayID?

Making and receiving payments is quicker and easier than ever using a PayID. Your PayID is a unique identifier linked to your transaction account and can be your email address, mobile number or ABN.  All you need is a mobile number and PayID to send and receive funds almost instantly.

The benefits of PayID

Receive money quickly and easily with a secure PayID.


Payments using PayID are sent and received in real time, in most instances within seconds. The money will get there in a flash - no delay even if they bank with another financial institution (as long as they offer the PayID service). 


As safe as sending payments from within your own bank account or banking app. 

Easy to remember

Ditch the BSB and account number and address payments to something simple like a phone number, email or ABN with the comfort of knowing it's going to be the right person. 

Simple setup

Setup your PayID in just a few easy steps by logging into your NAB Internet Banking.

Reduced chance of mistaken payments

PayID provides confirmations to the owner of the PayID before making a payment, giving you the comfort of knowing it's going to the right person. 

Smarter payments

You can leave a description of up to 280 characters so no more vague descriptions with payments.

Getting started with PayID

Simply sign up to PayID online to start sending and receiving money.

Creating your PayID

For a step by step guide on how to create and pay to a PayID visit our online banking how-to guides.

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, opens in new window.

Use PayID to send money

To send a PayID payment to someone, they just need to provide you with their PayID.

This may be their mobile number, email, ABN, or Organisation ID depending on their bank. You can make a PayID Pay Anyone transfer through our NAB internet banking channels. 

Use PayID to receive money

To receive payments using PayID you’ll need to register your mobile number or email address as a PayID using the NAB Mobile app or NAB Internet Banking. It only takes a couple of minutes.

Friends and family will then be able to pay you through their own bank’s mobile or internet banking using your PayID.

PayID frequently asked questions

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

  • 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.

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

  • 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.

  • 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 authority to continue using it.

    To close a PayID in NAB Internet Banking (desktop only) follow these steps:

    1. Log into NAB Internet Banking and go to Profile & Settings.       
    2. Select PayID settings.
    3. Select the status of the PayID you wish to close and then select Closed from the drop-down list. A warning message will display asking ‘are you sure you want to close your PayID?’.

    To close or manage a PayID in NAB Connect, please visit the NAB Connect Quick Reference Guide (PDF, 375KB), opens in new window.

  • 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.

  • 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.

  • 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.

  • As a security measure, we apply a daily limit to each NAB ID that you use to make certain online payments using NAB Internet Banking or the NAB app.

    For answers to your frequently asked questions about daily limits read our simple help guide. 

PayID for business

PayID is an easy, low cost digital payment option for receiving Fast Payments from your customers. Once you create a PayID, you can give it to customers instead of your BSB and account number to make paying and getting paid easier.

You can register as your PayID your ABN, email or phone number to your eligible transaction account using NAB connect, Internet Banking or the NAB app. Once set up, you can display your PayID on your website and invoices.

If your business already has a PayID, you can download the logo, opens in new window and start promoting it to your customers.

Learn more about the benefits of PayID for business.

Help and support

Terms and Conditions

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

PayID® is a registered trademark of NPP Australia Limited.