PayID allows you to link a memorable identifier, such as your mobile number or email address, to your Bendigo Bank account. This removes the need to share your BSB and account number when someone wants to pay you. For outgoing payments, it provides a simpler way to send money while allowing you to verify the recipient's name before you confirm the transaction.
Whether you are receiving funds from friends or making a payment to a business, PayID utilizes the New Payments Platform (NPP) to process transactions in near real-time. Below is the information you need to manage your PayID and complete payments through your banking app or internet banking.
Key Information
| Category | Details |
|---|---|
| Methods | Bendigo Bank App, Internet Banking |
| Processing Time | Typically near real-time |
| Eligibility | Active e-banking customers |
| Key Requirements | Active mobile number or email address, internet access |
Create a PayID in e-banking
Registering a new PayID
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Log in to e-banking and navigate to Settings.
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Select PayID from the menu.
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Tap the ‘+’ symbol to begin the setup.
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Choose the account you would like to link to your new PayID.
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Select your preferred identifier (mobile number or email). You can choose an existing contact detail on file or add a new one.
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Note: If you add a new mobile number or email address, you will need your security token to authorise the change.
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Once you have selected your PayID type, a 6-digit verification code will be sent to that mobile number or email address.
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Enter this code into the confirmation screen to complete the process.
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A message will appear on your screen confirming that your PayID registration was successful.
Make a fast payment to a PayID
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Log in to e-banking.
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Select 'Move Money'.
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Click 'Pay Anyone'.
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Select 'New payee'.
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Choose 'Phone Number' as the payment method.
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Enter the recipient's mobile number and click 'Next'. The system will display the PayID Name (account holder) for you to verify.
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Select the account you wish to pay from.
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Enter the dollar amount and a payment description, then click 'Next'.
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Review the details and click 'Submit' to complete the payment.
Troubleshooting Payment Issues
MFA or Login Issues
Cause: Multi-factor authentication (MFA) requests may time out if you take too long to approve the notification.
Simple Fix: Ensure your app notifications are enabled and approve the request as soon as it appears.
Fallback: If the notification does not appear, check your "Messages" or "Approvals" tab in the app or call 1300 236 344.
Browser or App Errors
Cause: Outdated app versions or cached browser data can interfere with real-time payment features.
Simple Fix: Update your Bendigo Bank app to the latest version via your app store or clear your browser cache if using a desktop.
Fallback: Use a different supported web browser (Chrome, Firefox, or Safari) to rule out browser-specific technical glitches.
Locked Account or ID Access Issues
Cause: Repeated incorrect attempts or suspicious activity may trigger a security lock on your PayID.
Simple Fix: Wait 24 hours to see if the lock clears, provided it was a simple error.
Fallback: Contact the bank on 1300 236 344 to verify your identity and have the lock reviewed.
Pro-Tip: Before confirming any payment to a new PayID, always double-check the recipient name displayed on the confirmation screen. Because PayID is designed to show you who you are paying, this is your primary protection against payment errors or impersonation scams.
Frequently Asked Questions
Q: Why did my payment to a PayID not arrive immediately?
While most PayID payments process in real-time, the first time you pay a new recipient, the bank may hold the payment for up to 24 hours as a security measure. This is a standard safety check for new payees. If it has been longer than 24 hours, contact the bank to check the status of the transaction.
Q: Can I use the same PayID for two different bank accounts?
A PayID can only be linked to one bank account at a time. If you want to use your mobile number for a different account, you will first need to de-register it from the current account before registering it to the new one. Check your PayID management settings to switch the linking.
Q: Is it possible to use someone else's mobile number as my PayID?
The system requires you to prove ownership of the identifier during registration. You will receive a verification code sent to that specific email or phone number to confirm you control it. If you cannot access the verification code, you will not be able to complete the registration.
