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BPAY

When will my bill be paid?

Payments using BPAY® made before 6pm have to be applied to the account by the Biller as at that date, but it will not be until at least the next day and possibly longer that they are actually processed by the Biller.

Payments made after 6pm Sydney time, on a NSW public holiday or the weekend will be received and processed by the biller on the day after the next NSW banking day.

If you schedule a payment in advance, and the date you select is a NSW public holiday or, Saturday or Sunday then the biller will not receive the payment until the day after the next NSW Banking day.

If you do not have sufficient funds in your account, the banking day before your payment is scheduled, then your BPAY transaction may be rejected.

*Banking days are Monday to Friday and exclude NSW public holidays and weekends.

BPAY - Make a Payment

Using the "Make a Payment" screen you can pay any of your bills displaying the BPAY logo. Within the centre you can select to pay your bills on either the current date or select a date up to 90 days in the future.

BPAY - How much can I pay?

To increase the security of your BPAY service in Internet Banking, a daily limit will be applied to certain billers. This daily limit will only apply to certain groups of billers .

The limit will not be implemented for billers related to payments of your utilities; e.g. electricity or phone bills. The table below indicates which biller institutions are subject to a daily limit.

Biller NameBiller CodeInternet Banking Daily Biller limit
ANZ DIRECT3491$5,000
BILL HURLEY BOOKMAKING PTY LIMITED24877$5,000
BUYQUICK COM LTD575985$5,000
CAMERASTORE.COM.AU47803$5,000
CITIBANK BUSINESS CREDIT49734$5,000
CIVIC COMPLIANCE VICTORIA49031$5,000
CLUB LEISURE DEVELOPMENT PTY LTD22699$5,000
COLLECTYOURDEBT989798$5,000
CREDIT CORP GROUP LTD CARDS140582$5,000
DAVIDSON SPORTS BETTING23580$5,000
DIGITAL CAMERAS ONLINE32813$5,000
DIGITAL DREAMS374405$5,000
DIGITAL FUN STUFF434209$5,000
DIGITAL HOME DISCOUNTS PTY LTD23820$5,000
DINERS CLUB PTY LIMITED - INTERNATIONAL838599$5,000
DIRT CHEAP CAMERAS44164$5,000
EMERCHANTS AUSTRALIA464248$5,000
ESCAPES CLUB969345$5,000
GAMEHEAD.COM.AU42697$5,000
GE MONEY AFFINITY CARDS908129$5,000
GECFA / GE MONEY24760$5,000
GILLETT'S JEWELLERS473678$5,000
INTERCHANGE VACATION CLUB22715$5,000
JANTECH COMPUTERS PTY LTD42739$5,000
MECHLE PTY LTD23846$5,000
MICARM857920$5,000
MICRO BILLING SERVICES22731$5,000
MOGA LOAN REPAYMENT989509$5,000
NETWORK COMPANY AUSTRALIA PTY LTD20685$5,000
NITTEL COMMUNICATIONS PTY LTD20651$5,000
OO.COM.AU919621$5,000
PERFUME CONNECTION.COM.AU35444$5,000
REBELSPORT.COM.AU363697$5,000
TATTERSALLS465385$5,000
THE LAPTOP COMPANY364141$5,000
ANZ Account E*Trade6437$10,000
ANZ credit card6007$10,000
Aussie credit card838805$10,000
Bank of SA card9787$10,000
BankWest credit card9100$10,000
Bendigo Bank Ltd342949$10,000
CARD SERVICES57166$10,000
CFS Firstchoice - Inv414409$10,000
CITIBANK COMMERCIAL CARD49577$10,000
Citibank credit card49502$10,000
Coles Myer Card8920$10,000
Coles Myer Source Mastercard8862$10,000
Commonwealth Bank credit card1818$10,000
CWCASH24570$10,000
DEALSDIRECT686014$10,000
E-FOREXGOLD P/L765719$10,000
Esanda Finance Corporation3400$10,000
EYO TECHNOLOGIES PTY LTD504985$10,000
GO Mastercard443887$10,000
Grace Bros. Card8607$10,000
HANOVER CONSUMER FINANCE PTY LTD950253$10,000
HOME IDEAS CENTRE414433$10,000
MYER CARD23838$10,000
National Australia Bank credit card1008$10,000
NT TAB Ltd7468$10,000
PHD SITES P/L505115$10,000
PLUS CORPORATION PTY LTD939348$10,000
SHOPTOPIA.COM.AU364034$10,000
St George credit card9779$10,000
TAB (NSW)4119$10,000
TAB of WA1214$10,000
TAB Qld Ltd7070$10,000
Tabcorp VIC1016$10,000
TECHBUY PTY LTD39834$10,000
TECHONI TECHNOLOGIES P/L848770$10,000
TRAVELEX LIMITED50179$10,000
UNITED CARD SERVICES PTY LTD26567$10,000
Virgin credit card172015$10,000
Westpac Banking Corporation credit card5181$10,000
WOOLWORTHS EZY BANKING24448$10,000
BUYER'S EDGE8714$15,000
NEWINGTON COLLEGE CREDIT CARD OPTION72751$15,000
ACT Tab Limited45419$20,000
Adelaide Bank line of credit/revolving account3939$20,000
All Sports Betting Service38448$20,000
ALLIANCE FACTORING - ACCOUNT PAYMENT899104$20,000
AMERICAN EXPRESS FX4YOU464271$20,000
AMP Banking Credit Cards85621$20,000
Bank of Queensland91215$20,000
Centre Racing36426$20,000
Centrebet Pty Ltd36400$20,000
Citibank Ready Credit49528$20,000
COLLECTION HOUSE LIMITED51987$20,000
Consolidated Sports Betting Pty Ltd89672$20,000
Darwin All Sports Pty Ltd Sports68924$20,000
Darwin All Sports Racing68932$20,000
DAVID JONES LIMITED3020$20,000
GE Creditline172288$20,000
GE Mastercard293076$20,000
GE Money Low Rate Mastercard8573$20,000
Heritage Building Society Cards74617$20,000
HSBC Visa Credit Card17095$20,000
INSTANT IT575555$20,000
ITECH HOLDING PTY LTD68783$20,000
Just A Bet73734$20,000
MULTIBET.COM PTY LTD45609$20,000
Myercard8516$20,000
NEXT FINANCIAL LTD20743$20,000
NSW Teachers Credit Union Pty Ltd. credit card948505$20,000
Oneline Mastercard GE Capital Consumer Card Co8623$20,000
Raceform Australia Pty Ltd414045$20,000
SA TAB Pty Ltd36046$20,000
Shell Mastercard8961$20,000
Sportingbet Australia (Internet) Pty Ltd45641$20,000
Sportingbet Australia (Phone) Pty Ltd45880$20,000
Sportingbet Australia Pty Ltd464297$20,000
Suncorp Metway Limited Credit Card999532$20,000
SUNCORP METWAY SECURED ACCOUNTS24059$20,000
Target Card8730$20,000
Wizard Clear Advantage Mastercard150615$20,000
CITIBANK COMMERICIAL CARD49718$25,000
COMPUTERSHARE INV SERV LTD ITF AIH CALL19992$30,000
DFACS-CHILDSUPPORT AGENCY201509$30,000

You can pay bills from

  • Classic Account
  • Classic Plus Account
  • Bonus Saver
  • Cheque Account
  • Private Bank Cheque
  • Deeming Account
  • Cash Management Account
  • Cash Management Investor Option
  • Business Cheque
  • Business Cheque Plus
  • Society Cheque
  • VISA card*
  • Mastercard*
  • Bankcard*
  • Employee Benefits Card
  • Basic Account
  • Equity Access Loan
  • Subsidised Defence Services Loan
  • Premium Option Home Loan
  • Business Access Loan
  • Business Loan
  • Term Loan
  • Westpac One Accounts
  • Westpac Choice
  • Westpac eChoice
  • Westpac Reward Saver
  • Westpac Cash Management
  • Westpac Business Flexi

* Bill Payments made from credit cards are treated as a purchase. Not all billers accept payments from credit cards.

You cannot pay bills from:

  • Passbook Accounts
  • All other Home Loans
  • Investment Property Loan
  • All other Business Loans
  • Term Deposits
  • Fixed Rate Personal Loan
  • Westpac Unit Trust Investments
  • Max-i Direct Accounts
  • Westpac eSaver
  • Westpac Business Cash Reserve
  • Westpac Community Solutions Cash Reserve
  • Westpac Self Super Online
  • Westpac Business Max-i Direct
  • Westpac Business Premium Cash Reserve
  • Westpac Business Cash Reserve Bonus
  • Westpac Community Solutions Cash Reserve Bonus
  • Cash Investment Account

To make a bill payment you will need to follow the steps below:

  • Enter either the "Biller Code" displayed on your bill or select from the biller name list if you have previously made a payment to this biller
  • Enter the "Ref" displayed on your bill*
  • Select an account to pay the bill from
  • Enter the amount displayed on your bill
  • Select the date you wish to pay your bill and click "Schedule Payment". You can select a date up to 90 days in the future**
  • Confirm all details are correct on the confirmation and select "Yes" to continue
  • The receipt will confirm that your payment has been scheduled
  • You can print your receipt using the Print button in your browser.

In the event of insufficient funds Westpac may, in accordance with the Terms and Conditions applicable to your account, (i) use its discretion to honour the payment; and (ii) charge a fee to your account.

*  For Telstra Residential or Business enter the account number immediately followed by the bill number (excluding the T and the hyphen). For Telstra Mobile enter the account number only.

 ** If you select to pay your bill in the future you will need to ensure that funds are available in your account on the day before the payment is due.

  Note: For Fixed Rate Personal Loans, use your BSB and account number as the reference number (this will be a 12 digit number). The relevant Biller Code is:

  • If your BSB number is 037052, then use Biller Code 85589
  • If your BSB number is 037058, then use Biller code 85597
  • For all other Personal Loan BSB's use Biller code 85571

Common Errors that may occur

  • The Biller Name or the Biller Code has not been entered
  • The Biller Code is not correct
  • The Ref number you have entered is not correct
  • Attempting to pay a bill from an account type not accepted by a biller. Eg. Not all billers accept payment from credit cards
  • Insufficient funds in the account you have selected
  • You have not entered the amount of the bill
  • You have entered a payment date that is more than 90 days in advanceAttempting to pay bill/s for an amount that exceeds the daily biller limit for that biller
  • Attempting to pay a bill over the maximum limit of $25,000 per transaction
  • Entering an amount that is not a positive amount eg. -25.00

BPAY® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Discover more about Online Banking via our Flash demo (if you don't have Flash, try the HTML version).

The content of this notice forms a part of the terms and conditions of use of Online Banking and BPAY. Refer to the Online Banking Terms and Conditions for more information.