What is PayTo?

PayTo® is a new digital way to pre-authorise payments directly from your bank account. It can be used to make one-off or recurring payments in real time.

It works similarly to direct debits – but it’s much better!

Just like a direct debit, PayTo allows you to make automatic payments from your bank account for anything from phone bills to flights or your gym membership. You can choose to use your PayID or BSB and account number to set up payments.

It’s better than a direct debit because you can set up your payment authorisation to merchants online, which is faster and easier than arranging for a direct debit authority. PayTo agreements (records of your payment authorisation) can be viewed, changed, or stopped within the security and convenience of your existing Mobile Banking app or Internet Banking, giving you more control over these payments.

Merchants can offer PayTo as an alternative payment method for a variety of products and services, such as subscriptions, online or in-app purchases.

Benefits of PayTo.


Authorise, view and manage payments from your bank account, together in the one place.


No need to remember your BSB, account number or credit card details – simply use your PayID on the spot.


Know exactly when payments are due, so you’ve got enough money in your account to avoid missed payment fees.


PayTo agreements are securely managed in Online Banking and the mobile app.

Frequently asked questions.

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