PayID is an Australian way to pay a bank account using an easy identifier, such as a mobile number, e-mail address or ABN, instead of a BSB and account number. It is built into the online banking of over 100 financial institutions, and before you send, your bank shows the name linked to the PayID so you can check who you are paying. Some gambling sites use it for deposits and for withdrawals to your own PayID. AusPayPlus, which runs PayID, also warns about scam gambling sites that ask for PayID transfers.
PayID quick facts
| Type | Australian bank payment to a mobile number, e-mail, ABN or organisation ID |
|---|---|
| Deposits | Yes, at sites that list PayID |
| Withdrawals | Yes, where the site pays to your own PayID |
| Deposit time | Fast, through your online banking |
| Withdrawal time | The site's approval first, then a PayID payment to your account |
| Fees | Usually none for the payer; check your bank |
| Where it works | Australia; offered by over 100 financial institutions |
| Currencies | AUD |
| Verification | Your banking login, plus a name check before each payment; the site's ID checks before withdrawals |
How PayID works at gambling sites
A PayID is a piece of information linked to a bank account. When you pay to one, your bank looks it up and shows you the name it belongs to before you send. AusPayPlus says some businesses give each customer a unique e-mail PayID to pay to, which works the same way.
For a deposit, the site's cashier shows the PayID to pay. For a withdrawal, you give the site your own PayID, usually your mobile number or e-mail, and it pays your bank account through it.
Depositing with PayID
- Choose PayID in the cashier and copy the PayID and any reference it shows.
- In your online banking, choose to pay to a PayID and enter it.
- Check the name your bank shows. If it doesn't match the business you are paying, stop.
- Enter the amount and the reference, and confirm. The site credits you when the payment arrives.
Withdrawing with PayID
If the site pays to PayID, register a PayID in your own banking app (your mobile number or e-mail) and give it to the site. After the site approves the withdrawal and checks your identity, the money goes to your account through that PayID.
PayID fees and limits
Paying to a PayID is usually free for the payer, but check your bank. Your bank's daily payment limits apply. The site sets its own minimums and maximums.
Where you can use PayID
PayID works with Australian bank accounts at the over 100 financial institutions that offer it, and only at sites that list it. Some banks let you block gambling payments; check whether yours covers PayID.
Safety and privacy
The name check is PayID's main protection: always compare it with the business you mean to pay. AusPayPlus warns about "scambling", gambling sites advertised on social media and messaging apps that take PayID transfers; it says you cannot win money from these sites or get your money back. It also says PayID never contacts you directly, never asks you to send money to receive money, and never asks you to "upgrade your account"; messages claiming otherwise are scams.
Downsides of PayID
- Australian bank accounts only.
- A sent payment can't be pulled back if you paid the wrong PayID.
- Scam gambling sites use PayID; the name check is your defence.
Spending controls
PayID payments are quick, so set deposit limits with the site and ask your bank about gambling blocks and lower daily limits. See our responsible gambling page for self-exclusion tools and free help lines.
Alternatives to PayID
- BPAY: bill payments from online banking, slower.
- Visa or Mastercard debit: card deposits and payouts.
- Paysafecard: prepaid codes bought with cash.
PayID casino FAQ
How do I know I'm paying the right site with PayID?
Your bank shows the name linked to the PayID before you send. If it doesn't match the business, don't pay.
Can I receive winnings to my PayID?
Yes, where the site pays to PayID. Register a PayID such as your mobile number in your banking app and give it to the site.
A site asked me to pay a fee by PayID to release my winnings. Is that normal?
No. AusPayPlus says PayID never asks you to send money to receive money; that is a scam.
Does PayID cost anything?
Usually not for the payer, but check your bank's fees and daily limits.
Sources
- AusPayPlus: PayID (identifiers, name check, over 100 financial institutions, scam and "scambling" warnings)
Checked 29 October 2026.
