300 Barangaroo Avenue. Can't even do OSKO payments from their accounts. 2) The Osko system always does transfers instantly. 9/10 of my Osko deposits are in my swyftx account within 5mins. I have done more than a half dozen transfers to Citi which the sending bank says is an osko transfer. All payments to a PayID will occur in near real-time. Took over 4 hours for their money to arrive in account. Recently this happened, ING took 2 days before the money was finally in my account. Australia,. $0 transfer fee when sending in a foreign currency. 8am-6pm, Mon - Fri (Sydney time) From overseas. - Bank transfer if the buyer is genuine and the funds have cleared to seller account before picking up car. Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. Westpac is one of over 60 Australian financial institutions connected to the New Payments Platform. We’re currently working on adding Osko in Internet Banking, but it may not be available for all eligible accounts until the rollout is complete. No, Osko and PayID payments are only available for AUD transactions within Australia (domestic payments), find out more. Funds transferred through Osko are cleared near instant and are then made available to the recipients account in less than sixty seconds (albeit caveats with some banks). Osko only works up to $1000 per day, anything over will be a normal transfer. NAB: Instantly or occasionally within 24 hours when sending to other banks using the Pay anyone feature. daleroy1234 on 29/01/2023 - 13:48 @I like freestuff: Thanks mate! richybargain on 29/01/2023 - 16:05. A NAB Visa Debit card for all your everyday spending. Enter the amount, a description (that’s optional) and tap Done. I have done this before, was selling a phone, buyer put in $20 which went through straight away. After all that fuss about them allowing criminals to launder money. There's also PayID which is an addressing system usually used alongside Osko. That is my work around if I want to do an Okso payment to a normal bank account instantly from Macquarie. “For transfers to us, once we receive a file from a corresponding bank we process that file and funds are available straight away with our real-time core banking,” the spokesman said. As I said it's a flat 52c (or thereabouts). A PayID can be moved between different accounts and banks making switching banks easier. A positive though is that NPP/OSKO has pretty much destroyed their business model. Osko sends payments fast. 30pm AEST. CapnBloodbeard. So how will it work? At the moment you can transfer money between two accounts with the same. Osko is the overlay service developed by BPAY ® that allows fast payments to be made. 75% + $0. Payments made to a PayID or BSB and account number will be sent via our standard way of making payments (Payee Transfer) or Osko where possible. 43 xLolaTitty • 1 yr. ; Set your company and user authorisation value. After that it will be normal Osko transfer times. Within 3 business days. e. The fast payment for $90k took a day. 8. Payments made using Osko will allow you to make and receive instant payments between participating banks in Australia using an eligible BSB and account number or a PayID. 10:40am AEDT: Payment issues to Commbank We are aware of an issue affecting OSKO payments from Bendigo Bank to Commbank accounts and are currently investigating. Find my bank To find out how you can pay to a PayID or register a PayID, search for your bank here. When you make or receive an Osko payment the transaction will appear as Osko or you will see the Osko logo. 5. Planned payments and transfers can be amended or cancelled before. Remember that international transfers might take a bit longer depending on your bank's network. Banks will not instant transfer in some cases including for large amounts or on first time. Osko is an instant payments system, which rather than using batch files it allows banks to communicate directly and instantly to perform transfers. . That being said, the actual duration could vary based on your bank or financial institution. Cheques was supposed to be cleared/rejected around 4 days later. Another occurrence is that your bank may hold the first larger Osko deposit (e. Delayed speeds for security purposes is a lazy cop out. Up for example mentioned above does not support SCT. 9:30am - 5pm, Fri. 5. Use Corporate Online’s flexibility to create a setup that matches your business needs and can grow and change as your business does. From memory the way it works is that if you're paying over the amount to a new payee for the first time they hold onto the money before releasing it. Note: Osko payments are processed 24 hours a day, 7 days a week and are typically received in a few seconds but may take longer. You can transfer money onto it and it just operates better than the actual banks apps. Faster payments. did osko this time with different card, this migh be the case, deposit with different cards. Both the sending and receiving bank accounts must be enabled for faster Osko payments. The next step is to contact the bank, which can everse the payment. They show up at Citi straight away, but then sit as pending on. I usually transfer money to a comm bank account and it goes through as an osko payment so funds are there straight away for bills etc. • Instantly link Google Pay™ & Samsung Pay™ and start spending straight away (Google Pay not yet available for credit card customers) • Pay your mates and transfer money instantly with PayID &. Along its route, your payment could go through a number of intermediary banks on the SWIFT network, which is why it takes longer. The time it takes for an OSKO payment to clear is indicated by an asterisk. . 5. Cheques was supposed to be cleared/rejected around 4 days later. 40 AUD Total fees. It’s just like a regular transfer and you don’t need to do anything to set up Osko payments. Having a PayID doesn't mean the bank supports Osko payments. What this guide is for. Anyone else managing instant payments from Commbank to another bank no problems? I kinda feel like they're deliberately holding payments for 24 hours, defeating the whole purpose of Osko instant. 3. The recipient will then have 10 days to show that they are entitled to the money and if. Have set up the online Spend/Save accounts which are advertised as earning 4. To make payments using the New Payment Platform you will use Osko which is a payment service. ; On an Android device, tap the PAY icon and you will go directly to the Transfer and Pay screen. ANZ's money bounceback refers to the inability to make a payment due to insufficient account funds. However, for added security, the payer will see the registered PayID name displayed on their screen. Make a transfer or payment frequently asked questions. PayID for business. Payments made to a PayID or BSB and account number will be sent via our standard way of making payments (Payee Transfer) or Osko where possible. Once the funds land in our system they will instantaneously reflect in your CoinSpot accounts Available AUD balance. P. The default daily limit for my bank is $50k though 18 [deleted] • 1 yr. This fee will be debited from the amount sent. What is Osko? And how does it work?1) If you're talking about others in Australia transferring money to your Australian bank account while you're physically overseas, that's OK. To another Australian financial institution via standard transfer (EFT payment): the funds will be transferred from your account straight away and available to the payee in 1–2 business days. Take a look at the comments to see what some of our readers had to say about instant funds transfers. CommBank sucks for this. What is an Osko, near real-time payment? Osko by BPAY ® allows these fast payments to be made, typically in less than a few seconds, between eligible accounts at participating financial institutions, 24/7 – even on weekends and public holidays. PayID types. Get paid quickly when you receive Osko ® payments. Up has a transfer limit of $30,000 via Osko but sometimes larger amounts are delayed for 1 or 2 hours, particularly on weekends. Transfers are processed immediately and are available straight away. How do I transfer account after death of father? Step 1: Get multiple copies of death certificate. I'm pretty convinced it's CBA playing shenanigans. Business accounts or accounts accessed by parents/legal guardians, Power of Attorneys, etc. Operating 24/7, 365 days a year, the new platform will do away with lengthy wait times between transfers on weekends and public holidays - effectively bringing the banking system in line with much of the rest of Australia which is increasingly operating on par with the speed of the online world. First deposit was with poli, instant. Select Pay/Transfer and Pay Someone and choose to send to a BSB and account number or a PayID. Firstly, OSKO will NEVER, EVER, send you an email. 0. If your 1st payment went through (some banks hold it for 4-24 hours), it is unlikely that the 2nd one will be held. She sent me a screenshot of her bank statement which showed -$850 and also showed she had entered my acc number and bsb correctly. Cheaper transfers abroad - free from hidden fees and exchange rate markups. Osko by BPAY is a near real time payments service built on the New Payments Platform which enables payments to a PayID or an eligible BSB and account number. I’ve transferred from my ANZ account like I normally do but I found it strange that my funds did not arrive within 5 mins like it usually does. third. If you’re using a Pay ID for the first time, select add New Payee and a PayID Type (mobile number, email address, ABN) and enter the PayID information. You may have noticed Osko at the conclusion of your bank transfer or in your transaction history. Unsecured Personal Loan. Listen now, opens in new window. CommBank sucks for this. A lady 2 hours away said she'd be able to collect it on the day (yesterday) We agreed on a bank transfer that she did via OSKO. There may be a number of reasons why an Osko Payment has failed. but you need to organise a higher limit in need. What do I do if someone made a payment to my PayID and it hasn’t arrived? Payments made to your PayID should arrive into your account generally within a minute of being sent. Get paid quickly when you receive Osko ® payments. If they’re unavailable, you can still send them a message and they’ll reply as soon as possible. I know people say Gumtree is always risky unless you're receiving cash, but I'm wondering if this is legit. Pay almost anyone using their PayID or bank details. Transfer money between CommBank accounts in the CommBank app. "Osko Payment" means a transfer of funds processed using Osko. Settle up with a friend. Reversal impossible unless the receiver agrees. No overdrawn fees if you happen to go over your account balance. You will not need to elect to make an Osko fast payment in the Suncorp App. CMC Markets Asia Pacific Pty Ltd. posted 2023-Jul-10, 11:54 am AEST. Standard transfers and all other transactions will process as normal. . 10. Step 5: Notify financial institutions. No payment needed to authorise/initiate the transfer. Generally though it works well otherwise. PayIDs are registered and managed by your bank Your payment details and personal information associated with your PayID® can only be accessed by your bank. You can send fast payments from Osko eligible accounts using the Suncorp App. ⏱️For speedy overseas transactions, give Wise a try. ×. • Make fast payments to a PayID or to a BSB and Account Number with Osko • Create and use PayID to receive payments instantly • Set up recurring payments. Tap Transfer between accounts. If it is the first time you are sending to that account from CommBank they take at least 24 hours. Osko provides the option to use a PayID to make a payment instead of a BSB/Account number. Ill wait till open of business on Monday to contact Osko/Bpay by phone but if i cant solve this ill have to do a retractions anyone ever had issues depositing via Osko?. repeat on 29/01/2023 - 16:44. Drive away with our special new car rate. If you’d like to use your PayID for a PayTo agreement, just give. I think there's a maximum of $999,999 daily limit that they can increase to. - Withdraw money at any time without affecting your bonus rate. Osko payments to PayID are also limited to $5,000. For those playing at home: "Osko sometimes takes several hours the first time you transfer to an Osko account, after that it should get quicker however that is out of our control" I have made two transfers in the last hour, so I will check again tomorrow. You can transfer funds from another financial institution using your BSB and Account Reference. Contact your bank for help. The outage stopped payments being made by bank customers via Osko, which uses the new payments platform (NPP) to send money in the retail market in real time. Also provides 280 characters to note the description of each payment transaction. How long does a pending transaction take to process? Pending transactions generally take 3 to 5 business days to process. PayID & OskoWhat Swift Codes in AUSTRALIA does is it helps in locating the bank and branch swift code you are in search of so that you are able to make transactions with the help of Bank Wire Transfer. First time it is delayed 24 hours. Open the Transfer & Pay menu and select Pay anyone, enter your details including a PayID (if available). 1They don't take long to hit Coinspot. I was told by my Bank that Osko payments can not be refunded in any way as it is instantaneous and if you get the numbers wrong in the transfer kiss your money goodbye. Osko is a service from payments platform BPAY, which was launched in February 2018. Your salary will split automatically as soon as it hits your Salary Splitter account and be transferred to your chosen accounts straight away. To use Osko, you don’t need to do anything differently, just send the payment via Internet Banking using the ‘Pay Anyone’ feature and ANZ will route the payment the fastest way possible. Select Make a payment. All you need to do is Google OSKO Gumtree scam and you'll see many stories of the exact same thing you have described. If Osko is available on both the sending and. The Osko payments service has experienced an industry-wide outage, and it’s left Aussies without pay and money. They are the worst for it. Usually this would take up to 3 days. The OSKO platform advises that the daily limit on the NPP is $30k/day per account, but i'm struggling to find a bank that allows anywhere near this. Osko is available 24/7, so if you managed to pay instant on a business day, it will also be so on a weekend (most of the time). Customer shares the impact of being scammed. Select the mobile number from the list of available numbers to be used as a PayID, or; Enter a mobile number to be used as a PayID. Osko by BPAY ® is the first overlay service delivered via the NPP. Safe to assume the payment has cleared via Osko? Are there any ways for the person to claim the money back? I do a lot of Gumtree sales, and all non-pickup ones are via bank transfer. Tried ringing the bank - Citibank but getting somebody to talk to seems impossible with the options offered and I tried every option for over an hour. 2. No, a PayID acts like a ‘pointer’ to your BSB and account so you no longer have to remember them. Online payments made after 10pm will be sent to other banks at 9:30am on the next day. OSKO and PayID are supposed to be INSTANT. Buyer sends me $600 via bank transfer, however I get an email from OSKO saying that in order to receive the payment, the buyer needs to send an additional $900 over to expand my account to a business account?The New Payments Platform is a centralised platform that facilitates real-time clearing and settlements of payments between participating Australian financial institutions. I had a couple do transfer from their osko accounts, assured me instant ( I rang my bank twice to ask i osko was accepted by bank account yes )as I had driven three hours to them to show vehicle and do the deal on the spot. Some branches now open weekends. Initially, the platform includes an instant payment service called Osko , and a smart ID service called PayID – but the list of services will continue to grow over time. About a month ago while sitting at a pub, my brother transferred ~$20 from his CBA to my ANZ and it hit straight away. As always, prevention is the best cure when it comes to mistaken payments. Transfer your money securely overseas using NAB Internet Banking or the NAB app. Below this sum, there are no restrictions on transferring money between bank accounts in Australia or taking physical currency out of the country. . 9% for stablecoins and 1. Oslo is generally instant except for a banks policy on fraud prevention. All branches are open: 9:30am - 4pm, Mon - Thurs. You can set up multiple Pots for different purposes, and see an overview of all your money in the Account tab in your app. A lady 2 hours away said she'd be able to collect it on the day (yesterday) We agreed on a bank transfer that she did via OSKO. After navigating to the PayID screen, it simply says that you do not have any accounts eligible to attach a PayID to. So it wouldn't make any difference in this case. Please note transfers can be instant, or may take 1-2 days to arrive, depending on the. Fast Osko payments will not be available on some STG accounts (including credit accounts), to offshore bank accounts or for transfers in a foreign currency. Simply create your PayID using your mobile phone number or email address. From your mobile banking homepage choose the account you wish to transfer or pay from: On an Apple device, swipe the gripper to the left to initiate the payment, you are then in the Transfer and pay screen. Automatic Payments can be amended or cancelled before 7. NAB’s scam alerts intervene in $270 million worth of payments. Assign Osko permissions to a user 2. Hi everyone. NAB is the only bank at the moment which allows Osko transfers up to $20,000 a day. Transparent. However more on Pay ID below. Why has my incoming Osko®payment failed? Back in August 2017, we communicated to our members that we were adding a prefix of ‘1’ to the beginning of your account number, to ensure it was compatible with our new system. Also have listed these accounts as offset accounts to the home loan. If Osko is available this will be your default option, processing the funds within 60 seconds. 655950. If the recipient’s PayID is a mobile number: Select 'Mobile. Find out how to make a Fast Payment quickly and easily to anyone using their PayID ® (a registered mobile number, email address, business number or Organisation ID) or their eligible BSB and account number. Simpler for people to pay you. change the limit back to the standard limit set out above 1) Osko by BPAY® Osko by BPAY is a near real time payments service built on the New Payments Platform which enables payments to a PayID or an eligible BSB and account number. If this is happening it generally means it's. ; Doing either will begin the payment with your. A funds transfer is the electronic movement of money from one bank account to another. This guide shows you how to: 1. The service also enables youGet them to do a smaller transfer 24h before so 1) you can confirm they’ve saved the right details In their address book 2) you can get around waiting period for a new payee. Click on "Next" to proceed with the transfer. You can continue to send payments to these financial institutions via a standard transfer until they make Osko® available. When you arrange an international money transfer (IMT), the payment is sent through the SWIFT network of banks. To other banks in. Participating financial institutions typically enable customers to make Osko payments through their online banking portal or mobile phone banking application. Use our simple online banking guides to help you do your day-to-day banking. 8. for an instant transfer, otherwise it won't be an OSKO but a normal bank trasfer. I wondered if I was the only one with delayed payments that seemed to meet the Osko requirements. The ability to make an Osko payment will be provided in Internet Banking and the App. Is osko/same day transfer. Maybe it depends on the amount?. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, manage your cards and change your PIN without having to leave the house. We do not have to agree to your request. However at Macquarie PayID transactions cannot go over Osko they have to use SCT which means the institution you're sending to or sending money to Macquarie needs to also support SCT. MontyMacaw on 29/04/2021 - 18:39. View Disclaimer. Note: Osko payments are processed 24 hours a day, 7 days a week and are typically received in a few seconds but may take longer. It can also be faked to a certain extent. Find out more about the New Payments Platform, Osko and PayID for Business customers. FAQs. Getting started. So when you set up a transfer, you'll get an estimate for when your money should arrive. There's been odd occasion it's lagged overnight. ), may take: 24 hours for transfers made before 7. PayID/Osko deposits up to $20,000 made during a 24-hour period will be processed and credited to your account instantly. Of the two, Up Bank blows my mind 😍😍 the animations when you transfer money into any of your savers is life 👌🏼 I also love the Up-specific payID featureHere’s a quick overview of how long it takes to transfer money in Australia with the big four banks: CommBank: Instantly, or within minutes using PayID. (AUS) Possibly Sent NPP (Osko) transfer without a reference number . This is because ME Bank do not support fast payments from "Osko-only" institutions. 11. Hi mum, it’s a scam. Select 'Pay someone' from the homepage. If NPP is supported but not Osko it may take a little longer as a Standard NPP Transfer. Rather than paying in cash, mailing a cheque, or slowly reading out your credit card details over the phone, people could hop online and use B PAY. Enter the amount, a description (that’s optional) and tap Done. 24-48 hours for transfers made at or after 7. Also it does this thing where you can choose to round up to the nearest dollar and put the remaining cents into a savings account. To another Australian financial institution via PayID® or Osko by BPAY: the funds will be transferred from your account straight away and available to. For example, BPay payments made after 6 pm AEST are received the following business day, but Osko. Send and receive money fast. I had a buyer offer to pay me via PayPal. did osko this time with different card, this migh be the case, deposit with different cards. If you tried to make a transaction or payment during this time, it may take up to three hours to process. 1. Osko payment do fail but not often and it can take 1-3 business days for payments to be returned if you put wrong numbers in a transfer. Not all banks have the systems and infrastructure to support osko. Safe. What is an Osko, near real-time payment? Osko by BPAY ® allows these fast payments to be made, typically in less than a few seconds, between eligible accounts at participating financial institutions, 24/7 – even on weekends and public holidays. Australian bank customers faced major delays in sending and receiving money due to an industry-wide outage of the Osko payment processing system on Wednesday night. We determine the payment method based on the payment details. You should always know how long your transfer’s going to take. 75% + €0. If transferring directly Westpac -> Me Bank, the payment will be as a "pay anyone", taking 1 or more business days. So basically Macquarie can send and receive to any bank in Australia instantly, except Westpac. It takes 30 seconds and not 2 days. Osko is the first consumer product or 'overlay service' developed by BPAY that works on top of the New Payments Platform (NPP) - the digital infrastructure that enable seamless, real-time payments. Use our simple online banking guides to help you do your day-to-day banking. How long does it usually take to transfer funds? Sweet3st on 18/03/2023 - 08:14. Now that most peoples' banks are optimised by Osko and can receive funds nearly instantly, most people are happy enough with only this option. Although some can take up to 10 business days. Send Money online to friends and family from your bank account or PayPal balance. Branch opening hours. g. I have deposited cash both ways and although my bank has OSKO it will not transfer quickly without using pay ID. Enter the amount you want to transfer, and enter a description if required. With a standard bank transfer, you need to have the liquidity on T-2 so you can instruct the transfer. This can take up to 24 hours. Other payments (not Osko) are generally available on the next. Internet banking. Osko sends payments fast between financial institutions, 24/7 – even on weekends! In most cases it will arrive in under a minute. Transfer your money securely overseas using NAB Internet Banking or the NAB app. If it’s the first time transferring to the bank account u need to for the purchase, it will be held for 24 hours more than likely no matter the amount. The remaining amount was done at the meeting point which didn't clear straight away. Its an automated payment system that work’s behind the scenes. Most of us have experienced a delayed bank. To make payments using the New Payment Platform you will use Osko which is a payment service. ago. Unlike domestic. First-time payments to or from an account linked to yours that you have authority to access, but belonging to someone else or an entity (e. To other banks in Australia. Call 13 13 86. Get a token deposit sent through the same way. For which I’ve stopped using ING. Personal accounts ANZ Access Advantage ANZ Access Basic ANZ One Offset ANZ Online Saver ANZ Pensioner Advantage ANZ Progress Saver ANZ Premium Cash ManagementIncrease productivity by getting straight to work with Corporate Online’s easy-to-use interface and simple workflows. Download our app or use internet banking to manage your money anywhere, anytime. To another Australian financial institution via standard transfer (EFT payment): the funds will be transferred from your account straight away and available to the payee in 1–2 business days. It’s even working on bringing down those transfer times to be as instantaneous as possible. - Earn great base and bonus interest rates on multiple Save accounts. PayID is a unique identification (phone number or email address) for your bank account that can be used instead of a BSB and account number when sending money. A forward dated transfer wont do any balance check when you set it up. Firstly, OSKO will NEVER, EVER, send you an email. I recently had to do this and it was a harrowing experience. Includes a physical and digital Debit Mastercard. Make fast bank transfers – 24/7, 365 days a year. If you’re using a saved payee, simply select their details from your. It doesn’t replace your BSB and account number which stay exactly the same – it’s like a nickname for your account. - Open up to 10 Save accounts, set savings targets on any of them and we’ll come up with a plan to get you there. Osko transfer takes seconds (assuming your bank has Osko). The hold is up to 24hrs and occurs for payments CBA to CBA accounts and OFI payments made via payid/Osko. See our payment cut-off times for more info about when you need to make your payments. We determine the payment method based on the payment details. If your bank participates, like we do, the feature should come standard with eligible accounts. Call us Monday to Friday 8:00am – 6:00pm and Saturdays 8:00am – 1:00pm AEST. Sorry for the inconvenience and thanks for your patience while our team were investigating. CBA have a first time transfer payment hold. She has made several calls to her bank and today they tell her after a month they can contact the bank the money was transferred to. . User #31180 5881. Incidentally, eBay has also recently been getting away with soliciting bank account login details (let me emphasise login details, not just BSB/account number) from some users for verification purposes, putting them in the. Automatic Transfer (transfers to another account) Unlimited ^^ ^ Larger withdrawals available by request and are subject to. ANZ customers can use a PayID to get paid on eligible accounts. Tap Transfer between accounts. To use Osko, you don't need to do anything differently, just send the payment via Internet Banking using the 'Pay Anyone' feature and ANZ will route. If you’re using a Pay ID for the first time, select add New Payee and a PayID Type (mobile number, email address, ABN) and enter the PayID information. I would never do Osko on a purchase as you have zero chance of recovering your money. Payments that are made in real-time. Still waiting over 48 hours. My other account is actually with CommBank and I could send an OSKO payment through them. Osko ones I get would be around 10% of all incoming transfers. About a month ago while sitting at a pub, my brother transferred ~$20 from his CBA to my ANZ and it hit straight away. Same. That’s weird, I checked the st george website it does say $5000 limit. All the major Australian banks, including Commonwealth Bank, Westpac, ANZ and NAB, faced major delays sending and receiving money through the. 21pm and 11. Everyday Account – Our simple, intuitive everyday transaction account, made even better for you with user-friendly features that help you make the most of your money. So how will it work? At the moment you can transfer money between two accounts with the same. Pay Anybody. We’ve listened to your feedback and have improved the Pay Anyone experience to make it easier to use. Obviously not ANZ who likes to hold onto the money for as long as possible. Osko payments are made between regular BSB and account numbers, just like Direct Deposits. It may involve bank accounts at the same financial institution or bank accounts at different financial institutions, as well as transfers to. We don’t accept cash or cheques. The fast payment for $90k took a day. What is Osko ®? Osko by BPAY TM is a near real-time payment. 6. Keeping you and your money safe. Note: Osko payments are processed 24 hours a day, 7 days a week and are typically received in a few seconds but may take longer. OP's transaction was over $200 and to an account that hadn't been paid to by them before, so CommBank would've put a 24hr hold on the funds anyway (yes, including via OSKO). 99 % Variable Interest Rate. Several Australian banks have reported online outages, with some customers saying they have been unable to access their funds since 2pm on Tuesday. 9:30am - 5pm, Fri. Osko is a P2P fund transfer application that works on PayID concept of Australia's New Payments Platform (NPP). Hi Joker G. thanks payment finally cleared exactly at 24 hrs, geez. g. Osko in short is a fast, easy, and convenient way to transfer money between bank accounts using Australia's New Payments Platform (NPP). - Make fast payments with PayID and Osko® - Transfer money between your BankVic accounts - Transfer money to others - Pay bills with BPAY® - Manage payees and BPAY® billers - Schedule future or ongoing payments Card controls at your fingertips - Activate your card and start tapping to pay straight away - Toggle card controls on or off at ease would be instant on the Saturday. Secondly, OSKO will also never ask to refund transfers.