Make and receive
real-time payments via 'Osko'

No need to wait days for payments sent or received

Osko is part of the Australia wide banking initiative New Payments Platform (NPP).

This service allows Members to make fast payments to other financial institutions participating in NPP.

Enable Osko Fast Payments with Northern Inland

Members can send Osko fast payments via Online Banking and the Northern Inland SmartPay App. This simpler way to pay means you'll also no longer need to remember a BSB and account number, with the introduction of PayID.

Whether you’re paying a babysitter, splitting a bill or giving money to family for something urgent – the money will be there in minutes.

What's not to love about Osko?

  • Available 24/7.
  • Faster payments across over 50 institutions.
  • You can use a PayID to pay and get paid with something simple like a registered mobile, email or ABN. Or you can still use a BSB & Account Number.
  • You can use 280 characters of text to describe who's gettting paid and why.
What's not to love about Osko? Thumbnail Image

How to use Osko

Ensure you are registered for Online Banking with 2 Factor Authentication (2FA) set up and ensure your mobile number and email address are up to date. Then simply request us to switch it on to your Membership so you can start making faster payments.

To update your contact details in Online Banking:
1. Login to Online Banking
2. Click 'Member Services'
3. Click 'Update Contact Details'

Osko logo


Forget your BSB and account number. Get a PayID

A PayID is something easy to remember - like your mobile phone number email address or ABN - that you register with Northern Inland and link to your 'S' accounts. Then when someone needs to pay you simply give them your PayID instead of your BSB and account number.

And if you need to pay someone who has registered for Pay ID you'll only need their PayID to transfer money almost instantly to them PayID. Simple as.

Simpler to remember

Remembering bank details is eno

ugh to give anyone a goldfish moment  seriously who can remember their BSB and account numbers. A PayID can be something easy to remember like your mobile number email address or ABN.

Simpler to get right

If you've ever worried about sending money to the wrong account PayID can help. Use a PayID with a service like Osko and the name of the person who owns that PayID is shown before you approve the payment. All you have to do is to confirm its the right person.

Simpler to share

Sharing your PayID couldn't be simpler because its easy to remember for both you and the person you're sharing it with.

Learn more about PayID at

PayID logo



Other areas of interest

Apple Pay

Fast and easy access to your accounts 24/7 via your mobile phone, make payments, check accounts and make updates via the app.

Read more

Apple Pay
Click through to Apple Pay

Google Pay

Make payments with Google Pay using your Android smartphone, no need for a wallet with Google Pay.

Read more

Google Pay
Click through to Google Pay

SmartPay App

Fast and easy access to your accounts 24/7 via your mobile phone, make payments, check accounts and make updates via the app.

Read more

SmartPay App
Click through to SmartPay App
Important Information:

For further information on the New Payments Platform (NPP) Australia, refer to the NPP's FAQs.


Osko services will be issued by over 50 BPAY Scheme members. The BPAY Scheme is managed by BPAY Pty Ltd (ABN 69 079 137 518). Any financial product advice provided by BPAY Pty Ltd in relation to Osko services is general advice only and has been prepared without taking into account your objectives financial situation or needs. Before acting on such advice you should review the terms and conditions and consider whether the Osko service is appropriate for your personal circumstances. Read the Product Fact Sheet to determine if this account suits your needs.