FAQ

Most popular questions...

• Can I link a PayID to my account?

  Not all account types are eligible to have PayIDs linked to them – please refer to the Summary of Accounts & Access Facilities Table to find out if your account type is eligible.

• How can I close my PayID?

  A PayID can be closed within Internet Banking or your Mobile Banking App. Simply select ‘Manage PayID’, click the applicable PayID and then ‘PayID Settings’. From there select the ‘Close PayID’ button and follow the prompts.

• I am a business customer. Can I register my ABN/ACN as a PayID?

  Initially, you’ll only be able to create a PayID using an Australian mobile number or email address with People’s Choice. However, you are able to link your PayID to your business accounts.

• I’m making a payment to a PayID but the payee’s PayID name appears to be incorrect

  If you’re unsure about the name shown, contact the payee directly to confirm their PayID name. 

• Can I choose my PayID name?

  When creating your PayID you’ll be provided a list of name options that reasonably represent and identify you as the account holder. You must select an option from this list.

  For example an Account Name of Jonathon Smith with a preferred name of John may be provided the following options:

  • John Smith
  • Jonathon Smith
  • J Smith

More questions...

• What is the difference between locking and closing a PayID?

  A PayID which is locked will not be able to receive payments. You can unlock your PayID at any time. A closed PayID will no longer be able to receive payments into the linked account and will be available to be registered by others who may have access to it i.e. a family email address.  

• How can I update the details of my PayID?

  Your PayID can be updated or closed within Internet Banking or your Mobile Banking App. Simply select ‘Manage PayID’, select the relevant PayID and then ‘PayID Settings’. From here you can update your PayID name, change the account which it is linked to, lock, close or transfer your PayID.  

• How can I move my PayID to People’s Choice?

  You can only link your PayID to one account at one financial institution at a time. If you’ve created a PayID at another financial institution, you can change your existing PayID to a transferrable status with that financial institution, then register it with People’s Choice. 

• What happens once I have lodged a PayID dispute?

  We’ll lodge an enquiry with the financial institution that currently has the PayID registered. We’ll be in touch with you once we’ve heard back.

• Why can others see my name when they search for my PayID?

  The name of a person registered to a PayID is shown to the payer to avoid mistaken payments and cases of fraud. The information cannot be used to withdraw money or create a false identity. It is only provided in accordance with the person’s consent and according to the terms and conditions of the PayID service. People’s Choice and other financial institutions also use additional measures to prevent against fraud. Members can use an email address as their PayID instead of a mobile number and still enjoy the benefits of fast, secure and convenient payments with Fast Payments.

• Do I need a PayID to make or receive Fast Payments?

  No, this is an option only. 

• How many accounts can I use my PayID for?

  A PayID can only be linked to one account across all financial institutions. 

• Can I have multiple PayIDs linked to an account?

  Yes, one account can have multiple (unique) PayIDs created to it (e.g. joint accounts).

• Can I schedule or create recurring payments using PayID?

  No, if you would like to schedule a payment or create a recurring payment, please pay to a BSB and Account Number. Scheduled payments will not be sent as a Fast Payment, so make sure you consider this when setting your transfer dates. You can find more information in our user guide here.

• I’ve tried to create a PayID but it’s saying my email or mobile number is already in use

  You can only link your PayID to one account across all financial institutions. If you think you might have created this PayID at another financial institution, you can change your existing PayID to a transferrable status with that financial institution and then register it with People’s Choice.

  If you think someone has incorrectly registered your PayID, you can lodge a dispute by completing the ‘Dispute PayID’ process in Internet Banking or our Mobile Banking App. Follow the registration steps to create your PayID, complete the verification process and lodge your Dispute.

• What is a PayID?

  PayID is an easy way to make sending and receiving payments simpler. It allows you to link financial accounts to more common information such as your mobile number or email address.

  Your accounts will still have a BSB and Account Number, but you will be able to provide your PayID to receive payments without sharing your BSB and Account Number. You can also send money to others using their PayID.

• What is a PayID and how do I create one?

  PayID is an easy way to make sending and receiving payments simpler. It allows you to link financial accounts to more common information such as your mobile number or email address.

  Your accounts will still have a BSB and Account Number, but you’ll be able to provide your PayID to receive payments without sharing your BSB and Account Number. You can also send money to others using their PayID.

  A PayID can be created within Internet Banking or your Mobile Banking App. Simply select ‘Manage PayID’, click ‘Create New PayID’, fill in the required fields and complete the steps. For detailed instructions please view our instructional video here.