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If you choose to deactivate your Security Token your daily limit will reset to default daily limit.
Where your daily limit is the default daily limit or less, you can choose to have a Security Token issued to you.
Your Internet Banking transactions will be processed in the normal
course of business or at the times we tell you.
PayTo Payment Agreement means an agreement established by you and an approved merchant or Payment
Initiator, by which you authorise us to make payments from your Account
via the NPP. Payment Initiator means an approved payment service provider who, whether
acting on behalf of you or a merchant, is authorised by you to initiate payments from your Account via the NPP.
Services may be offered through an internet website, or through a computer
application you may choose to install on your Mobile device.
Different services are presented depending on whether the Mobile
device is a mobile phone (Westpac Mobile Banking) or
a tablet (Westpac Tablet Banking) or other devices that you use to
access Online Banking. PayTo Payment Agreements must be
recorded in the Mandate Management Service to process NPP payments.

Help centre means the information contained under the the “?” icon or “Learn more” links found on the page in Online Banking.

Eligible accounts and payments only – sending and receiving account
must be capable of processing faster payments. If you’ve already transferred this
PayID from another financial institution, please check with them to ensure that it’s been released.

These can be linked to the same account or to different accounts if you prefer.
For the most accurate and up-to-date information, please refer to the live site.

You should never share your personal information with people you don’t trust.

10.4 You should check your payment records and receipts carefully
and promptly report any error to us by calling our contact centre.
“Mobile Device Passcode” means anything required
to unlock a mobile device including a password, passcode, pattern or biometric
identifier (where applicable). Business payment debits rely on processing
by other financial institutions and we cannot
advise when these payments will be processed to your
customers account. Online Banking means the online banking service registered
in the name of an individual to manage their banking online, and in the case of an organisation, refers to Online
Banking for business, unless the context specifies otherwise.
Mobile device means a mobile phone that is able to access Westpac Mobile Banking, a tablet device that is able to
access Westpac Tablet Banking, or another type of personal electronic
device as described in the Help centre that
is able to access specific Online Banking services.
Zhong says people who don’t know anything about PayID and haven’t yet registered with the service are a prime
target for scammers. “If you check, there’s an email that looks very much like a bank email saying there’s a problem with your PayID” “They might say they have a business or professional [PayID] account or it didn’t come through and you need to check your email,” he
explains. “That also made me suspicious about some of those people, that they would not entertain any other form of money transfer except for PayID.” So how
is a service endorsed as a protection against scams being used to rip people off?
Checked for accuracy by our qualified fact-checkers and verifiers.

Where the change is adverse to you, we will notify you at least 30 days before the effective
date of the change (unless we believe doing so is, in our reasonable opinion, necessary for us to manage an immediate and material risk to our Legitimate Interests
or the change relates to a government charge).
Where we make changes, we will notify you by written or electronic notice (for example, through the Internet Banking) no later
than the day it takes effect, or such longer period as may be required
by law. If we increase the fees and charges, we will notify you at least 20 days before the effective day of the changes
by direct written notice to you (which may be provided with or
on your statement) or publishing notices of the changes on our website suncorpbank.com.au.
For Business Payments, any Transactions awaiting approval from a second signatory 14 days after
the Transaction was set up, will not be processed and will be deleted.
Where there are multiple signatories on an Account,
the authorisation of any (2) two will be accepted and the Transaction processed.
If a Transaction is still awaiting approval on the
payment date you requested, it will expire and not be processed.

We do not check the owner of the PayID, or the account that is linked to that PayID.
When we process a payment to a PayID we check only that the details you
provide match a registered PayID. For cut-off time information please
refer to westpac.com.au/faq/cut-off-times/ or visit your local branch.
This limit appears in the Same day – RTGS payments section in the Help centre.
The payment must be fully approved before the cut off
time on a Banking Day to be settled with the Australian financial
institution of the payee’s account by close of business on the same Banking Day.
For details of the applicable charges refer to the terms and conditions for
the Account from which you’re making a Payment.

Eligible Westpac clients are due to be able to start offering PayID
Biller on QuickStream from September 2025. This includes as a payment option in eCommerce check-outs (such as online
shopping), in-app purchases, and topping up investment or trading
accounts. Add PayTo to your payment options on PayWay Net to offer customers an alternative to
cards and digital wallets on your checkout screen. Secure, data-rich
payment records are stored centrally to help speed up reconciliation. With benefits like instant notifications and real-time funds settlement, you don’t have to wait three business days to get a clearer picture
of your cash flow. Just share these account details with your employers, friends
and anyone else sending you money, and they’ll be able to arrange a payment using
their preferred local transfer method. Account details are available in 8+ major currencies, allowing
people overseas to pay you easily.