Pay ID and Osko payment methods

Benefits of using PayID

Quick

Faster access to funds as payments are typically processed in less than one minute¹, 24/7, 365 days a year.

Simple

Sharing your PayID such as your mobile number or email address is easier than your BSB and account number.

Safe

PayID transactions are covered by the same level of security as regular transactions including our fraud monitoring and detection services.

Register your Pay ID
Citi Mobile^® App

Log in to the Citi Mobile^® App

Click on the 'Payments' icon at the bottom of the screen then click on 'Manage Payments, Payees and your Pay ID'

Select 'Manage Pay ID' from the 'Payments and Payees' screen. For security reasons, you will be prompted to enter a one time password (OTP) sent to your registered mobile number before you can proceed. If you have Face ID or Touch ID you won't need an OTP

Select either your email or mobile number as the Pay ID you wish to use

Select the account to be linked to your Pay ID.

Citi Online

Log in to your Citi Online account

Click on 'Payments and Transfers' on the top menu

For security reasons, you will be prompted to enter a one time password sent to your registered mobile number before you can proceed

Click 'Pay ID' from the menu on the left, then select 'Manage Pay ID' from the dropdown

Select either your email or mobile number as the Pay ID you wish to use and click 'Create Pay ID'

Select the account to be linked to your Pay ID.
Make Payments to a Pay ID
Citi Mobile^® App

Log in to the Citi Mobile^® App

Click on the 'Payments' icon at the bottom of the screen then click on 'Pay ID'

Select a Pay ID Payee from your list or select a contact from your contact list

Select 'From Account' as the source of funds

Enter the amount

Fill out the required details and click 'Pay'

You may be prompted to enter Mobile OTP or SMS OTP based on your preference. Once OTP is successfully validated, payment confirmation screen will be displayed.

Citi Online

Log in to your Citi Online account

Click on 'Payments and Transfers' on the top menu

For security reasons, you will be prompted to enter a one time password sent to your registered mobile number before you can proceed

Click 'Pay ID' from the menu on the left, then select 'Transfer money via Pay ID' from the dropdown

Select a 'Transfer From' Account from the dropdown as source of funds

Select a 'Transfer To' Account where payments are need to be made

Fill out required details, click 'Next' then 'Confirm'.
Close a Pay ID
Citi Mobile^® App

Log in to the Citi Mobile^® App

Click on the 'Payments' icon at the bottom of the screen then click on 'Manage Payments, Payees and your Pay ID'

Select 'Manage Pay ID' from the 'Payments and Payees' screen

Select Pay ID type that you wish to update

Select 'Close Pay ID' and click 'Update' at the bottom to proceed.

Citi Online

Log in to your Citi Online account

Click on 'Payments and Transfers' on the top menu

For security reasons, you will be prompted to enter a one time password sent to your registered mobile number before you can proceed

Click 'Pay ID' from the menu on the left, then select ‘Manage Pay ID’ from the dropdown

Select 'Close Pay ID' and click 'Yes' when prompted, to proceed.

Press 'Yes' on the confirmation box to close your Pay ID.
Manage your Pay ID
Citi Mobile^® App

Log in to the Citi Mobile^® App

Click on the 'Payments' icon at the bottom of the screen then click on 'Manage Payments, Payees and your Pay ID'

Select 'Manage Pay ID' from the 'Payments and Payees' screen

Select Pay ID type that you wish to update

Click on 'Linked to' account if you wish to change the account linked to your Pay ID. After selecting the new account, click on 'Update' to confirm the selection

Click on 'Transfer Pay ID' if you wish to transfer Pay ID to another bank. Click 'Update' at the bottom to procced with the transfer.

Citi Online

Log in to your Citi Online account

Click on 'Payments and Transfers' on the top menu

For security reasons, you will be prompted to enter a one time password sent to your registered mobile number before you can proceed

Click 'Pay ID' from the menu on the left, then select 'Manage Pay ID' from the dropdown

Select the Pay ID type you wish to update

Click on 'Update', if you wish to change the account linked to your Pay ID or proceed to step 9 if you wish to transfer Pay ID to another bank

Choose the new linked account from the dropdown

Click 'Next' then 'Done'

If you wish to transfer Pay ID to another bank, click on 'Transfer Pay ID’. Then click yes from the pop up window if you wish to proceed

Click Done.

Frequently asked questions

When will fast payments, using Osko and PayID be available to use with my Citi account/s?

From the 25 May 2020 you will be able send and receive fast payments to eligible customers using Osko. Please download the latest Citi Mobile^® App to access the latest features..
What will be the benefits of PayID and how will it work?

Your PayID can be an easy to remember identifier, such as your telephone number or email address which is securely linked to your account. Once linked, you can share your PayID instead of your BSB and account number to receive fast payments.
Who can register a PayID?

Personal customers with eligible products can use their existing telephone number or email addresses that are registered as their PayID.
Will PayID replace BSB and account numbers when making a payment?

PayIDs will not replace BSB and account numbers. You can still make a fast payment to a BSB and account number from an eligible product.
Do I need to do anything to be able to receive fast payments using Osko?

No, as long as your product and account is eligible, we can process the payment as a fast payment. A List of eligible products can be found here. Please note that the payment needs to be sent from an account that is eligible to send fast payments.
Why can I receive fast payments using Osko but cannot send fast payments to a bank account held with an Australian financial institution?

Click here for the list of eligible products that can be used to send and receive fast payments.
When will I be able to send fast payments using Osko and PayID?.

From the 25 May 2020 you will be able setup and use PayID. Please download the latest Citi Mobile App to access the latest features.
What is the transaction limit for fast payments?

If you are making a fast payment to a BSB and account number the daily limit is $10,000. For payments above $10,000 you will have the option to continue as an overnight payment.

If you are making a fast payment to a PayID the daily limit is $10,000.
What should I do if my fast payment is rejected?

If your fast payment is rejected we will send you a communication with the rejection reason and next steps. Based on the rejection reason, you may have the option to resubmit the payment as an overnight payment via Citi Online.

Faster, Simpler and Smarter Payments

What is PayID?

Benefits of using PayID

Manage your PayID from your fingertips

Citi Mobile^® App

Citi Online

Citi Mobile^® App

Citi Online

Citi Mobile^® App

Citi Online

Citi Mobile^® App

Citi Online

What is Osko?

Frequently asked questions

Frequently asked questions