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Answering your questions related to payments, transfers, BPAY and more.

Transfer & BPAY®

The ‘Transfers & BPAY’ menu allows you to transfer money between your own or other bank accounts, or pay a bill using BPAY. To make a Transfer, Osko® payment, Pay Anyone payment, or a BPAY payment:

  1. Log on to Internet Banking,
  2. Navigate to Payments, then select the payment type from the options listed under the ‘Transfers & BPAY’ heading,
  3. Enter details of the account to be debited and the account, Payee or Biller to be credited,
  4. Enter the transfer amount,
  5. Nominate whether the transfer is a one-off or recurring transfer,
  6. Enter the transfer date,
  7. Click ‘Continue’ to confirm details.

Transfers between registered accounts, or Pay Anyone transfers to other Newcastle Permanent accounts, will be conducted immediately.  

BPAY Payments and Pay Anyone Payments to accounts other than Newcastle Permanent accounts, will be processed at 10am and 4pm Australian Eastern Standard Time and Australian Eastern Daylight Time in Sydney, on business days. Payments not made on a business day will be processed the next business day.

To view previous or pending Transfers and BPAY payments:

  1. Log on to Internet Banking,
  2. Navigate to Payments, then select Pending payments or Completed payments from the options shown under the ‘Pending/Completed Payments’ heading.

To view your transaction history which includes all transactions processed on your account (not just payments set up through Internet Banking or the App); navigate to Account Summary, then select Transaction history.

To transfer funds to a third party account at another bank:

  1. Navigate to Payments, and then select ‘Pay Anyone’ from the options listed under the Transfers & BPAY menu,
  2. Select an existing Payee from the drop down menu or add a new Payee by selecting ‘New Payee’and entering the details of the account including the BSB Number, Account Number and Account Name,
  3. Select the checkbox to add the Payee details for future use.

Pending payments are future dated and /or recurring payments. To view your existing pending payments:

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select Pending payments from the options shown under the ‘Pending/Completed Payments’ heading.

You can receive your bills online and view a summary of each bill with BPAY View®. You can choose to pay the bill immediately or schedule the payment for a future date. BPAY View will even keep track of the bills you have received and paid. 

If you are registered to receive BPAY View electronic bills, any bills which are due will be listed here, with unpaid bills at the top. 

The following details will be displayed:

  • Biller: The biller name
  • Code: The biller code
  • Bill ID: Unique ID number for the individual bill
  • Date Due
  • Amount
  • Status: This bill will appear as Paid, Unpaid or Paid Offline.     
For more detailed information in BPAY View registration you should consult the BPAY View website.

Select the BPAY® option from Payments. This enables you to pay your bills using the BPAY service.

The ‘Transfers & BPAY’ menu includes the option to select Osko as a payment type.

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Osko’ as the payment type from the options under Transfers & BPAY,
  3. Enter details of the account to be debited and the Payee account to be credited. An Osko payment can also use a PayID in place of a traditional BSB and account number,
  4. Enter the description for the Payee which can include up to 280 characters,
  5. Enter the amount of the payment,
  6. Nominate whether the transfer is a one-off or recurring transfer,
  7. Enter the transfer date,
  8. Click ‘Continue’ to confirm details.

If you have pending payments to a saved Payee, you will not be able to delete the Payee from your address book.

Please note the Authorisation function can only be accessed if you have a Business Banking account. As many business accounts require two or more signatures to approve transactions, Internet Banking ensures these same rules are applied for equivalent transactions occurring online.

The Pending Approvals screen allows you to view all payments which require authorisation before they can be completed. From this screen, Authorised Business Users can either reject a payment, by selecting ‘Reject’, or authorise a payment by clicking ‘Approve’.

When you transfer funds to a Payee, the details you enter into the Descriptions field when making the transfer will appear on both your statement and the Payee's statement respectively.

When transferring funds to accounts at banks other than Newcastle Permanent, your name will also appear on the Payee's statement.

Yes. If you transfer money into an eligible Newcastle Permanent transactional account, as soon as the funds are available you can withdraw it from an ATM. Default ATM withdrawal limits may apply to some accounts. If you use a Newcastle Permanent ATM, you will not be charged an ATM fee.

Pending payments or transfers can be cancelled, but you cannot delete or cancel either an immediate transfer, or a transfer or payment being processed today.

Yes, you can modify a payment or transfer. To do so:

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select Pending payments from the options shown under the ‘Pending/Completed Payments’ heading,
  3. From the Pending Transactions screen click the 'more options' icon to the right of the pending payment you wish to modify,
  4. Click ‘Edit Payment’,
  5. You will then be able to edit any details of your payment.

You can opt-in to receive these alerts via secure mail, SMS or email. If you have set up a future dated funds transfer, BPAY or Pay Anyone payment and it has been rejected by another user on your business account, a notification will display in your secure mail inbox in Internet Banking. 

Yes. Previous multiple funds transfer Payees can be saved as a part of a Multiple Pay Anyone template. Templates can be created from the Payments menu or saved after making a multiple funds transfer.

To add a new BPAY Biller:

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Billers’ under the Address book heading,
  3. Click the Add Biller option on the right hand side of the screen,
  4. On the Register Biller screen, add a new Biller to your Biller List by entering the following details:
    • Biller Code: this should appear on your bill near the BPAY logo.
    • Biller Name: add the name of the Biller as it appears on your bill
    • Biller Nickname: you can enter a personalised name for the Biller. If you do, this will be displayed on all screens where the Biller name is shown. If you don't enter a Biller Nickname, then the Biller's name will display as defined by BPAY
    • Customer Reference Number: this should appear on your bill near the BPAY logo
  5. Click ‘Continue’,
  6. When you press Continue you will be required to enter either your Transaction Password or an SMS Code.

You can also add a new Biller while making a BPAY payment by selecting the ‘Add Biller’ option and entering the above details in the relevant field.

To edit an existing BPAY Biller:

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Billers’ from the Address book heading,
  3. Select Edit Biller from the ‘more options’ icon to the right of the Biller, to edit the Biller Name.
  4. To edit the Biller Code or your BPAY Reference Number, you will need to remove this Biller and add a new BPAY Biller. 

Changing the Biller information will not affect any future-dated payments that you have previously set-up.

Payments

Internet Banking allows you to create a batch payment (multiple payments in a single transaction) by importing an ABA (Australian Bankers Association direct entry) file from your accounting or payroll system.  

When creating an ABA file, provide the following details when prompted:

  • Bank User ID: 000 437
  • Bank Identifier: NEW
  • BSB Number: 650 001 
  • Account Number: [your NPBS account to debit]  
  • Self-balancing: No

For Business Members, saving the details of multiple payments is a convenient way to make payments. 

Details of multiple payments can be saved as a template in Internet Banking so you can re-use it at another time.

You can create a multiple payment to employees or suppliers in one go. The transaction can also be saved as a template that can be reused or edited. These payments will be processed as one transaction per entry.

Creating a template is a convenient way for Business Members to make payments to several Billers or Payees by saving details of multiple payment transfers for future use. This process does not require an ABA (Australian Bankers Association direct entry) file to be uploaded every time you wish to make a payment.

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Manage Templates’ from the options under the Business payments heading,
  3. Click ‘Create New Template’,
  4. Select the Transaction Type, (Transfer, BPAY®, Pay Anyone) and continue,
  5. Enter a template Name and Choose the ‘From Account’, 
  6. Select ‘Add New Entry’,
  7. Select a saved Payee or Biller. Or enter the details of a new Payee or Biller,
  8. Click ‘Save’,
  9. For adding additional entries, select ‘Add New Entry’,
  10. Once all entries have been added click ‘Continue’, this will save the template. 

The template is now saved and ready to be used to make payments.  

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Multiple payments & BPAY’ from the options under the Business payments heading,
  3. Click on ‘Use existing template’, locate the required saved template and click on ‘Select’ in the last column on the right hand side,
  4. Confirm the ‘From Account’ is correct,
  5. Select the applicable payment frequency (Pay Once or Pay Often) and enter a payment date,
  6. In the entries added table at the bottom of the page, make any required changes to amounts and descriptions,
  7. To add a new entry, Select ‘Add New Entry’ and enter the required the details,
  8. Once the details for the payment are correct select ‘Continue’,
  9. Confirm the payment details are correct and select ‘Proceed with Payment’.

If you wish to you can now save this payment to be a template for future use by clicking the ‘Save as template’ button. 


Batch payments can be made by uploading an ABA file (Australian Bankers Association direct entry file) to Internet Banking. To upload an ABA file: 

  1. Log on to Internet Banking,
  2. Navigate to Payments, and then select ‘Upload a Batch file’ from the options under the Business payments heading,
  3. Fill in the ‘File Processing Date’,
  4. Click the ‘Browse’ option and select the ABA file you wish to upload,
  5. From the ‘Debit Account’ dropdown select the account from which you wish the funds to be debited,
  6. Enter a description in the ‘File Description’ field, 
  7. Click ‘Continue’ to confirm the file upload details, 
  8. You will then be taken to the Review and Confirm screen where you can review your payment details, and then enter the SMS Code or Transaction Password before clicking the ‘Proceed with Payment’ button.

Payments made after 4pm may not be processed until the next business day (refer to your account terms and conditions). You cannot delete or cancel an immediate transfer or a transfer to be processed today. Business Members will be able to upload a batch file, view uploaded batch file details, or approve / reject uploaded batch files.

Personal customers can manage their payment limits by increasing or decreasing your payment limit by any value from $0 up to the maximum value of your Daily Payment Limit. Increasing your limit will require authorisation using an SMS code or transaction password. 

To do this:

  1. Log on to Internet Banking,
  2. Navigate to Settings, and then select ‘Manage payment limits’ from the options under the Update my details heading,
  3. Select the Transaction Type (BPAY® or Pay Anyone),
  4. Click the ‘Payment Limits’ button to continue,
  5. Your ‘Current Limit’ and your ‘Maximum Allowable Limit’ will display,
  6. In the ‘Limit Amount’ field, enter your preferred daily payment limit amount, up to the maximum allowable limit included above. 

If you choose to decrease your limit to $0, you will need to  contact us on 13 19 87 to increase it again.

To vary the payment limits that apply to a Business Member (or to each Authorised User) contact us on 13 19 87 or visit a branch for more information.

If you would like a higher Daily Payment Limit , contact us on 13 19 87 or visit your local branch.

Separate Daily Payment Limits now apply to Osko® and Pay Anyone payments (including Batch Payments for Business Members) and BPAY® payments.  

The Daily Payment Limit is the maximum cumulative value of all Pay Anyone, Osko and Batch payments made, or set up, on all registered accounts by each Authorised User on Internet and Mobile Banking. The amount is based on the date the payment occurs, not the date the payment was created.  

Transfers between your accounts are excluded from these amounts.

Osko®

Osko by BPAY is an innovative payment service which allows you to make and receive payments faster, 24/7 via any participating financial institution. Rather than waiting hours or days for money from someone who happens to use a different bank, your money can now be moved in near real-time. Osko could be used when paying at a group dinner, socialising, or even paying a tradesperson on the spot. Osko enables online payments more conveniently than ever before.

Osko is a complementary service to BPAY and BPAY View, providing new and alternative ways to send and receive payments Australia-wide.

BPAY is still the easiest way to make bill payments, packed with smart features to make it less complicated – like bill scheduling, auto payments, and Batch Payments.

BPAY View makes it easy to manage your bills and statements so that you can view, pay and store bills securely by getting them sent straight to your Internet Banking.

Osko uses world-leading technology is subject to very high data security standards and is monitored 24 hours a day, seven days a week. All payments made on the platform are also subject to participating financial institutions’ own real-time fraud screening and detection capabilities. You should always remain alert to the possibility of cons and scams, particularly if you receive unexpected requests via social media, emails or SMS for urgent payments or account information.


As long as you are registered for Internet Banking you will be able to select the option to make an Osko payment either through Internet Banking or our Mobile App. If your account is currently able to receive an incoming payment it will also be ready to receive an Osko payment, no additional registration is required.

PayID

PayID is a 'smart address' for payments, created by linking a financial account that you own to a recognisable and memorable piece of information that you use in everyday life – such as your phone number or email address. PayID is also the name of the service that enables direct payments through this smart address. With PayID, you can send and receive payments with unprecedented ease, convenience and confidence.

There are a number of benefits to using PayID, including:  

  • PayID makes payments an intuitive experience in keeping with the way we live life today, and does it in a way that is safe and secure.  
  • Greater convenience as you can provide Payers with details which are easy to remember such as an email address or a phone number.  
  • Greater peace of mind as you no longer have to provide your account information, such as BSBs and account numbers, to Payers in order to receive payments. Services that use PayID may display a PayID Name before you send a payment as an additional level of confirmation that you are sending money to the right person.  
  • Ability to maintain and transfer your PayID details if you change financial institutions.

To register for a PayID

  1. Log on to Internet Banking, 
  2. Navigate to Settings, and then select Manage my PayID from the options under the Update my details heading,
  3. Click the ‘Add New’ option,
  4. This will open a new page where you can select the account to link to your PayID, and choose your PayID type,
  5. Select ‘Continue’. This will open a new page were you can verify and confirm your PayID using a verification code which will be sent to you.

When a PayID is created, Newcastle Permanent will follow identification steps to ensure the user has a right to use the PayID and the bank account it is being linked to.

A PayID cannot be used to take money out of an account. It can only be used to send and receive payments.

To change the account your PayID is registered to: 

  1. Log on to your Internet Banking or Mobile Banking App, 
  2. Navigate to Settings, and then select Manage my PayID from the options under the Update my details heading,
  3. Using the ‘more options’ icon on the right hand side of the PayID, select the ‘Edit’ option,
  4. This will open a new page where you can change the ‘Selected Account to link to PayID’,
  5. You will need to verify this request by entering a code which will be sent to you.

To delete a PayID:

  1. Log on to your Internet Banking or Mobile Banking App, 
  2. Navigate to Settings, and then select Manage my PayID from the options under the Update my details heading,
  3. Using the ‘more options’ icon on the right hand side of the PayID, select the ‘Delete’ option,
  4. This will open a new page where you can review and confirm the PayID details you wish to delete.

Need help?

Contact us icon 13 19 87


Weekdays: 8am - 8pm
Saturday: 8am - 4pm
or drop into your local branch
Here's some more information for you: 
The complete terms and conditions for Internet, Mobile and Phone banking are contained in the Account Access Terms and Conditions.
» The links provided are to websites controlled or offered by third parties (non-Newcastle Permanent). Links to other websites are provided for convenience only and do not represent any endorsement by Newcastle Permanent of the products or services offered by the website owner.
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