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PayTo

Manage bills and payments from your bank account.

PayTo® is a new secure digital payment option that allows you to view, authorise and manage your payment agreements on eligible accounts (PDF) from within your ANZ banking channel.

 

What is PayTo?

PayTo is a fast, simple, and secure way to make payments from your eligible (PDF) ANZ account using your PayID® or BSB and account number. Whether it’s for your electricity bill, TV subscription or insurance policies, you can view, authorise, and manage your PayTo agreements easily all in one place within your ANZ banking channel.

Why use PayTo?

With PayTo, you’ll have more visibility and control over your payment arrangements with a new, digital experience in your ANZ banking channel. You will be able to see information such as when payments are due, for how much and who it’s for, allowing you to ensure you have enough money in your account and never miss a payment.

You can easily pause, resume and cancel your PayTo agreements all in one place. Updating your linked account is also available through Internet Banking.

How does it work?

You can set up a PayTo agreement for a one-off or recurring payment for goods or services with a participating merchant (payee) using your BSB and account number, or better still, by using your PayID.

Once a PayTo agreement is submitted, simply review the details in your ANZ banking channel and either approve or decline the agreement. Once approved, you can easily pause, resume, view the details of your PayTo agreements or cancel them all in one place within your ANZ banking channel.

Safe and secure

PayTo is a fast and secure payment option. PayTo gives you more control over payments with the ability to view and manage PayTo agreements in your secure ANZ banking channel.

Make fast payments

Make easy, quick and secure payments from your eligible ANZ bank account. Choose to share your PayID or account BSB and account number with the merchant to set up a PayTo agreement.

Simple setup

Set up a PayTo agreement with a participating merchant without a card using your account details or PayID. You can easily review, authorise, decline and manage your agreements all in one place, at any time within your ANZ banking channel.

Easy to manage

See details of the PayTo agreements you’ve set up from your account(s) in your ANZ banking channel. You can view, authorise and manage your agreements and see your information such as when payments are due and for how much, all in one easy place.

Need more help?

Message us

For fast support, message us in the ANZ App. Available 24/7.

Contact us

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Visit us

Find your local branch and book an appointment to visit us.

FAQs

View all FAQs

Generally, customers have 5 calendar days to authorise or decline a PayTo agreement, but a merchant can specify a shorter timeframe. On the 6th calendar day, the agreement will be automatically cancelled if no action has been taken. To re-establish the PayTo agreement, the merchant / payee will need to set up a new agreement.

PayTo Payment Agreements contain important details about how much and how often your account can be debited for goods or services.

This could be for a one-off, ad-hoc, or recurring payment.

You should check that this information matches what you have agreed to with the merchant (payee):

  • Name of merchant (payee)
  • Amount of the payment(s), this could be either a fix amount or up to a maximum amount (cap)
  • Payment terms which may include:
    • when payments should be debited, this may include a start and end date
    • payment frequency (how often payments will be debited)
    • number of payments (if applicable)

ANZ will receive the above information from the merchant (payee). You are responsible for ensuring that all information is correct before you take any action (such as authorising or declining an agreement). If you believe that any details displayed are incorrect, you should contact the merchant (payee).

For more information, please refer to your product Terms and Conditions.

Customers must have a valid PayID or BSB and Account number, the account must be NPP eligible and linked to their ANZ App or Internet Banking. Customers can then authorise PayTo agreements once logged in to their ANZ App or Internet Banking. Customers will need to use their Voice ID to authorise PayTo agreements in the ANZ App and either the SMS OTP, ANZ Shield or ANZ Security device (depending on which method of two factor authentication the Internet Banking customer has set up) when authorising PayTo agreements in Internet Banking.

Yes, New PayTo agreements or requests to amend an existing PayTo agreement that amount to greater than $25,000 will be automatically rejected. These PayTo agreements will go straight into the Cancelled category.

 

Set-up a PayID

PayID® makes it easy for you to set up PayTo agreement on the spot without the need to remember or find your BSB and account number.

Learn more

 

NPP and PayTo

PayTo operates via the NPP, the real-time payments infrastructure used by ANZ and other participating financial institutions to send and receive payments faster between eligible accounts.

Look for the PayTo logo to establish a PayTo agreement.

Important information

More information on PayTo can be found at www.payto.com.au and in your product Terms and Conditions.

PayTo agreements can only be viewed, authorised and maintained in your ANZ banking channel if the debiting account(s) is linked directly to your Customer Registration Number (CRN). Account eligibility criteria applies.

If you have a joint account, all account holders may be able to view, action or manage your PayTo agreement(s). This may depend on account authorisation and eligibility.

Selected accounts may not be eligible or become ineligible for PayTo due to the account authority requiring more than one to sign.

PayTo payments require cleared funds in your account prior to the payment being initiated by the payee or your payment may be unsuccessful.

PayID and PayTo are registered trademarks of NPP Australia Limited.

Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed (e.g. for security screening).

Temporary service disruptions may occur.

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