BPAY is a national bill payment service. It allows you to pay bills via your online banking directly from your account or credit card.
You can learn more about it from the official BPAY website here, or keep reading through some of our most frequently asked questions
Q. How Do I Pay a Bill with BPAY?
A. To make a BPAY payment, have your bill on hand and go to Pay a Bill located under BPAY.
There is a maximum daily limit of $5,000 for BPAY payments - subject to your available limit.
Q. How do I find the Biller Code?
A. Simply look for the BPAY logo, where the payment options are listed, and the Biller code will be directly to the right of the logo.
Q. What is my Customer Reference Number and where do I find it?
A. The customer reference number (CRN) is the number the biller uses to identify you. The customer reference number can be found on the paper copy of your bill directly to the right of the BPAY logo, where the payment options are listed, and are often referred to as 'Ref'. If you don't have the bill with you, or you're unsure of the CRN you'll need to contact the Biller directly.
Q. When does my BPAY Payment appear on my Transaction List?
A. Your BPAY payment will display as a pending transaction on the Transactions page, located under My Account as soon as you make your payment.
Payments made after 5pm (AEST) on a Friday won’t appear until as a pending transaction until the following Monday.
Q. When should I pay my bill to make sure it's processed by the Due Date?
A. Payments made before 3pm AEST on business days will be processed on the same business day. Please allow up to three business days for the payment to be received by the Biller.
Q. The Biller hasn’t received my payment. How do I check it's been paid?
A. You can view your previous bill payments on the Transactions page, located under My Account. Your payment will appear as a pending transaction until it is processed. Please note that your biller may take several days to process your payment.
Q. How do I add a biller to My Billers?
A. To add a biller to My Billers, have the bill you want to add on hand and go to Pay a Bill located under BPAY. Enter the Biller details, then tick Add to My Billers.
Q. How do I know which billers are available?
A. You can pay most, if not all, of your bills with BPAY – there are now over 14,000 bills that can be paid using BPAY. Your bill will have the Biller details next to the BPAY logo. You'll be unable to make payments to some Billers:
- You can’t make a payment to another credit provider, including other credit or store cards, or any type of loan.
- Some Billers don’t accept payments from credit cards at all.
- Other Billers, such as Telstra, will allow you to make a BPAY payment from your card, but it will be charged as a cash transaction. This means that you'll be paying interest at the cash advance rate immediately, and the cash advance fee will apply - see Rates, Fees and Charges, located under My Account. This means in addition to the interest you incur for this transaction, a fee will also apply. We’ll notify you before your transaction is complete if a cash advance fee applies so you can choose whether or not to continue with the payment.
Q. What is a Scheduled BPAY Payment and why would I use it?
A. The Scheduled Payments option under BPAY enables you to schedule payments to a bill automatically on a certain date. You can set up a scheduled payment as a once off, or to be recurring. The benefits of scheduling recurring payments are:
- Your bill will automatically be paid as scheduled
- You won't be required to enter details every time a payment is made
- Payments can be scheduled to repeat weekly, fortnightly, monthly or quarterly
- Scheduling a recurring payment doesn't replace direct debits that have been set up.
Q. How do I View, Modify or Delete existing Scheduled BPAY Payments?
A. To view your scheduled payments, go to My Scheduled Payments located under BPAY.
If you need to modify a recurring or once off scheduled Payment, you must delete the existing Payment and set up a new scheduled BPAY payment.
You won't be able to delete a scheduled payment on the day it’s due to be processed.
If you need to delete a scheduled payment, select Delete. A confirmation page will display. If you’re happy to proceed, click on Submit. You aren't able to delete a once off scheduled payment at the moment - but we are working on it! This functionality will be available in a few weeks!
Q. How do I know If a Scheduled BPAY Payment has occurred?
A. When your scheduled payment has been made, it will appear immediately as a pending transaction in your Transactions located under My Account.
Your available credit will be adjusted to reflect this. When the scheduled payment is processed, it will appear in the transaction listing with a full transaction description. You'll also be sent an email to confirm when a scheduled payment has been successful.
Q. Why can’t I see BPAY in the Navigation anymore?
A. BPAY will only display in the navigation if you're currently able to use your card. Examples of when BPAY won't be displayed include if you've missed payments, if mail has been returned from your address, or if you've recently reported your card lost or stolen.
Q. Why do I need to enter a Customer Reference Number every time for some payments?
A. Some billers change their Customer Reference Numbers with every billing cycle. For each new bill you will need to enter a different CRN so that the biller can identify your payment. Please contact the biller with any questions about their Customer Reference Number.
