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Get started with PayTo

PayTo is a new secure digital way to view, authorise and manage your payments within Internet Banking.

PayTo is available in Internet Banking
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What is PayTo?

PayTo is a fast, simple and secure way to digitally pre-authorise payments from your bank account.

PayTo can be used for one-off or recurring payments.

PayTo is a secure digital alternative to the current direct debit system.

Why use PayTo?

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More controlMore control

View and manage payments from your bank account. Pause or cancel payments at anytime.

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ConvenienceConvenience

Simply use your PayID or a BSB and 9-digit account reference number to make payments.

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SecureSecure

Payments are managed within the secure Internet Banking environment.

How it works

PayTo can be used for a one-off or recurring payments on bills, subscriptions and online purchases. Here's how to get started:

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Step 1Step 1

You provide a business or merchant with your Pay ID or BSB and 9-digit account reference number.

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Step 2Step 2

The business or merchant will send you a PayTo Agreement which will appear in Internet Banking. We will send you an SMS and email to notify you.

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Step 3Step 3

You login to Internet Banking to authorise or decline the PayTo Agreement.

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Step 4Step 4

After you authorise a PayTo Agreement, you can easily pause, resume or cancel your payment at any time. All you have to do is login to Internet Banking.

Important information
  • The PayTo Agreement is the Payment Agreement, you as payer, establish with the business or merchant initiator, authorising Bank First to make payments.

  • A Business is an approved payment service provider who, whether acting on your behalf or a Merchant, is authorised by you to initiate payments from your account. A Merchant is a merchant with which you have established, or would like to establish, a PayTo Agreement.

  • It is important to read a PayTo Agreement carefully as this contains the terms and conditions of the payment.

  • Before you authorise a PayTo Agreement, you should check the amount specified in the Agreement and how often the amount will be taken from your account, for example once off or on a recurring basis.

  • PayID and PayTo are registered trademarks of NPP Australia Limited.

  • Please refer to our Internet Banking Terms and Conditions for more information about using PayTo.