Setting up a PayID with BankSA revolutionizes the way you receive money. Instead of sharing your sensitive BSB and account number, a PayID allows you to link your bank account to a piece of information that is easy to remember, such as your mobile phone number or email address. When friends, family, or clients need to pay you, they simply use your PayID, and the funds are transferred securely and almost instantly via the Osko network.
Creating a PayID is completely free for BankSA customers and can be done within a short time using either the BankSA Mobile Banking App or Internet Banking. Below, we outline the accepted PayID types and provide a clear, step-by-step guide to linking your first PayID to your chosen bank account.
Eligible BankSA PayID Types
| Category | Details |
|---|---|
| Personal Users | Australian mobile phone number or personal email address. |
| Business Users | ABN, ACN, ARBN, or ARSN registered to your business. |
| Landline | An Australian landline telephone number (requires additional verification). |
Step-by-Step PayID Registration Algorithm
The fastest way to register your PayID is through the official BankSA mobile app. Follow this exact sequence to ensure a successful setup:
- Step 1: Log in to the BankSA App using your secure passcode, fingerprint, or Face ID.
- Step 2: Navigate to profile or settings within the app, or access the Services menu.
- Step 3: Select PayID settings from the menu options.
- Step 4: Tap Register a PayID and select the contact detail you wish to use (e.g., your mobile number).
- Step 5: Choose the specific BankSA account you want the PayID linked to (where incoming funds will land).
- Step 6: Confirm your details and authenticate the registration by entering the Secure Code sent via complete any required security verification (such as an SMS code)
Pro-Tip: For the fastest and most seamless payments, using a mobile phone number as a PayID is often convenient, as it is easy to share. It is much easier to share verbally or via text message than an email address, reducing the chance of the sender making a typo when transferring you money.
Troubleshooting Common Setup Pain Points
- Delayed Secure Code (MFA): During step 6, you must enter an SMS verification code to prove ownership of the mobile number. If the text does not arrive, do not repeatedly request new codes, as this may trigger a temporary security restriction. Check your mobile reception, wait a short period before requesting another code, and try again.
- Locked Customer ID: If you input the wrong internet banking password too many times while trying to log in and set up your PayID, your profile will be locked. Use the Forgot Password tool on the login screen to reset your access securely before attempting to register the PayID again.
- Browser or App Errors: If the PayID registration page stalls or throws a "system unavailable" error, your session may have timed out or your app might be outdated. Ensure your BankSA app is updated to the latest version in the App Store or Google Play. If using a desktop, clear your browser cache and attempt the setup in an Incognito window.
Frequently Asked Questions
What happens if my mobile number is already registered as a PayID with another bank?
You can only link a specific PayID (like your mobile number) to one bank account at a time. If it is currently linked to an account at a different financial institution, you must first log into that bank's portal and initiate a PayID transfer or close it entirely before you can register it with BankSA.
Can I have more than one PayID linked to my BankSA account?
Yes. You can link multiple distinct PayIDs to the same BankSA account. For example, you can register both your mobile phone number and your email address, so payers can use whichever they prefer to send you money.
Is it safe to give out my PayID?
Yes, sharing your PayID is actually safer than sharing your BSB and Account Number. A PayID can only be used to deposit money into your account; it cannot be used to withdraw funds.
