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Introducing Osko payments

Now that BankSA has rolled out fast payments to our eligible consumer customers, an increasing number of your payments that you make or receive will happen in almost an instant, 24/7 - including weekends and public holidays. These near real-time payments automatically use Osko by BPAY®.

To make a fast payment to your family and friends with eligible accounts at participating financial institutions, all you need to know is their BSB and account number. They can also pay your BSB and account number, with payments typically received in a few seconds, but may take longer. Best of all, it's part of your Internet banking.

How will I know if I have it?

You'll receive a message in Internet Banking saying that fast payments are here with Osko.

How will I know I've received a near real-time payment?

If the payment is made in near real-time, Osko or the Osko logo will appear next to the transaction in Internet Banking.

How will I know if it's going to be a near real-time payment when I make a payment?

You’ll know it will be a fast payment when paying a BSB and account number as Osko or the Osko logo will appear on the Review page in Internet Banking.

How do I make an Osko payment to a BSB and account number?

To make an Osko payment to a BSB and account number, the payee needs to have an eligible Osko account at a participating financial institution. The payment can neither be future dated nor recurring.

How do I make an Osko payment to a PayID?

Soon you'll be able to make an Osko payment to a PayID by having an eligible account. Your payees must also have registered their mobile number, email address, ABN (which includes ACN, ARBN and ARSN) phone number or organisation ID as a PayID at their financial institution before you can make a payment to it.

Who can I make near real-time payments to?

Only eligible personal, business or corporate accounts at a participating Australian bank or financial institution are supported by the fast payment network. Overseas and off shore bank accounts are not.

Are near real-time payments safe?

Near real-time payments made via Internet Banking are covered by BankSA Secure.

You should only pay people or businesses you know. Be alert to fraud and scams.

Will BPAY bills and Post Bill Pay payments occur in near real-time?

At this stage, BPAY bills and Post Bill Pay payments are not enabled for near real-time payments.

Will BankSA credit card repayments be made in near real-time?

At this stage, repayments to your BankSA credit card are not enabled for near real-time payments.

Which consumer accounts are eligible for Osko payments (to a BSB and account number or to a registered PayID)?

  • Complete Freedom
  • Complete Freedom Offset
  • Complete Freedom Student
  • Concession Account
  • Direct Account*
  • Direct Saver*
  • DIY Super Direct Saver*
  • DIY Super Saver
  • Express Freedom
  • Express Saver
  • Freedom
  • Freedom Cheque
  • Freedom Offset
  • Freedom Offset Cheque
  • Freedom Plus
  • Gold Cash Management - Cheque
  • Gold Cash Management - Savings
  • Happy Dragon*
  • Incentive Saver
  • Investment Cash Account
  • Investment Savings
  • Investment Savings Set-Off
  • Maxi Saver
  • Open Line Cheque*
  • Personal Cheque
  • Portfolio Cash Management Account - Cheque
  • Portfolio Cash Management Account - Savings
  • Portfolio Loan
  • Portfolio Loan - Cheque
  • Power Saver
  • Retirement Access Plus
  • Retirement Access Plus Cheque
  • School Saver
  • Sense Everyday
  • Sense Savings
  • Simply Freedom

* These accounts are only eligible for inward Osko payments i.e. you can only receive Osko payments to these accounts; you can't make Osko payments from these accounts.

Which business accounts are eligible for Osko payments (to a BSB and account number or to a registered PayID)?

  • Business Access Saver
  • Business Cheque
  • Business Cheque - Daily Credit Interest Paid Quarterly
  • Business Cheque Plus
  • Business Maximiser
  • Business Maximiser - Daily Credit Interest Paid Monthly
  • Cash Management - Intermediaries*
  • Cash Management Cheque - Intermediaries*
  • Commercial Money Market
  • Freedom Business
  • GST Provision
  • PCMA Business
  • Standby*
  • Govt Agency Exempt Trust Account*
  • Govt Agency Sweep Administered Payments*
  • Govt Agency Sweep Administered Receipts*
  • Govt Agency Sweep Departmental*
  • Govt Agency Sweep Non Exempt Trust Account*
  • Interest Set-Off
  • Society Cheque
  • Society Cheque - Charity
  • Society Cheque - Community & Sporting Groups
  • Society Cheque - Government
  • Society Cheque - Schools
  • Business Cheque - Superannuation
  • Land Agents & Land Brokers Trust
  • Law Society*
  • Law Society Statutory*
  • Other Trust
  • Real Estate Trust*
  • Solicitors Trust

*These accounts are only eligible for inward Osko payments i.e. you can only receive Osko payments to these accounts; you can't make Osko payments from these accounts.

Important information

Osko is the overlay service developed by BPAY® that allows fast payments to be made.

Both the sending and receiving bank accounts must be enabled for faster Osko payments. Fast Osko payments will not be available on some STG accounts (including credit accounts), to offshore bank accounts or for transfers in a foreign currency.

Payments may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first time payee or when the payment is caught for additional security screening.

BPAY & Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.

© BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714