PayID or BSB?
Not sure which you need? Answer a few quick questions and we'll tell you whether to use a PayID or BSB number for your payment.
Quick Overview
BSB Number
A 6-digit code (e.g. 062-000) identifying a bank branch. Required for salary deposits, direct debits, recurring payments, and international transfers.
PayID
A phone number, email, or ABN linked to your bank account. Ideal for quick person-to-person transfers without sharing account details. Instant settlement.
Frequently Asked Questions
Can I use both PayID and BSB?
Yes. Your bank account always has a BSB and account number. PayID is simply an additional, more convenient way for people to send you money. You can use both interchangeably.
Is PayID safer than sharing my BSB?
PayID is more private because the payer only sees your phone number or email — never your account number. It also confirms the recipient's name before sending, reducing the risk of misdirected payments.
Does PayID support direct debits?
No. Direct debits require a BSB and account number. PayID only supports one-off push payments where you initiate the transfer from your banking app.
Can I receive international payments with PayID?
No. PayID only works for domestic Australian payments. For international transfers, you need your BSB number and your bank's SWIFT code. Learn more about BSB vs SWIFT.
Want the full picture? Read our comprehensive guide: PayID vs BSB: Which Do You Need?