BSB 806 015

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BSB 806 015

PayTo – an easy way to pay


A new way to pay. PayTo allows you to pre-authorise and manage payments from your bank account. Think direct debit, but way better! It's fast, simple and secure. Use it to make recurring or one-off real-time payments with participating merchants.


Authorise and maintain all your PayTo agreements in one place.


Make payments using PayID or your BSB and account number. The choice is yours!


PayTo is part of the same secure platform as Osko and PayID.

Why use PayTo?

Keeping track of all your direct debits can be time-consuming, and PayTo is here to change that. It's like the direct debits you already use, but you have more control over your bank account payments.

Like a direct debit, PayTo allows you to authorise automatic payments from your bank account. A PayTo agreement can be for anything. From streaming subscriptions, to phone bills, to flights. You can manage them from Internet Banking, so you'll always know when funds are leaving your account.

Unlike a direct debit, you can set up a PayTo agreement online using your PayID, or BSB and account number. This makes it easier and quicker to set up payments on the spot. PayTo supports various payment types, including fixed or variable payment amounts and frequency.

You can:

Authorise, view, and manage your PayTo agreements using Internet Banking.
Use your PayID, or your BSB and account number to set up payments on the spot.
Make quick, easy, and secure payments.
Rest easy knowing that the same level of security protects your PayTo agreements as the rest of your banking data.
Move your PayTo payments between eligible P&N Bank accounts.

How does PayTo work?

PayTo agreements live in a secure, encrypted database managed by NPP Australia. They are responsible for operating and overseeing the New Payments Platform.

When a PayTo agreement is set up, you'll need to review and authorise it before any money can be taken from your account. It could be for a one-off or a recurring payment.

The PayTo agreement will appear in Internet Banking for your authorisation. Once you've authorised the agreement, the merchant can debit your account according to the agreed terms.

You can view, change, pause, cancel, or decline any existing PayTo agreements at any time by logging into Internet Banking.

Get started with PayTo

1. Login

Use Internet Banking to get started.

2. Review

When a PayTo agreement is set up, it will appear in Internet Banking for you to review.

3. Manage

You can keep track of your PayTo agreements in one secure place.

Frequently asked questions

  • How does PayTo work?

    When you agree to setup a PayTo agreement with a merchant, for example Netflix (the party who is asking for authorisation to debit your account), they will create the PayTo agreement through their financial institution and you will be notified by email requesting approval of the PayTo agreement.

    You can find your PayTo agreements by clicking on the Transfer / Pay menu in Internet Banking.


  • How is PayTo different from direct debit?

    PayTo is a modern, digital alternative to the current direct debit system. It’s faster, more flexible and gives you more control over payments you have authorised to come out of your bank account.

  • What happens to my existing direct debits?

    All existing direct debits will remain in place until the merchant informs you that it will be replaced with a PayTo agreement.

  • What accounts are eligible for PayTo agreements?
    • Easypay Access Account
    • & Transaction Account
    • & Retirement Account
    • Easy Living Account
    • & Access Account
    • SwiftSaver Account
    • Easypay Visa
    • & Platinum Visa
  • Where can I find a list of my PayTo agreements?

    You can find your PayTo agreements in Internet Banking under Transfer / Pay.

    All PayTo agreements regardless of the status will be shown. This will include active, paused and cancelled agreements

See all PayTo frequently asked questions.

Important information

PayTo is an initiative from the New Payments Platform (NPP); fast payments infrastructure built by the Australian financial services sector.

For more information, please visit the PayTo website.

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