If you have ever paid a mate back with their mobile number instead of a BSB, you have already used PayID. Online casinos that accept Australian players use the same system, which is why it has become the default way to move small amounts in and out of a casino account. Nothing to download, no card details typed into a cashier, and no fees from the major banks for sending it.
Below is how to use PayID at online casinos from start to finish, plus the parts most guides skip: what your bank's daily limit means for you, why a first payment can sit on hold, and how gambling blocks on your cards interact with bank transfers.
Before your first deposit
You need four things, and chances are you already have three of them:
- an everyday account with an Australian bank or credit union that supports PayID (almost all of them do);
- the bank's app or internet banking, with SMS or app security switched on;
- a casino account that lists PayID in its cashier;
- a verified email and phone number at the casino, because the name on your bank account has to match the name on your casino profile when you withdraw.
Strictly speaking, you do not need your own PayID to send money to a casino. You only need one to receive. Setting it up now saves a step later, when you want to cash out.
Registering a PayID in your banking app
Every bank tucks the setting in a slightly different place, but the flow is the same. At CommBank, for example, you open the app, go to your profile, pick PayID, choose whether to use your mobile number or email, link it to an account, confirm the name people will see, and verify with a code. Westpac, ANZ and NAB follow almost identical steps under their payment or profile settings.
A few details trip people up. One PayID points to one account, although a single account can have several PayIDs (say, your mobile and your email). The display name is what the other side sees when they pay you, so leave it as your legal name. A nickname can cause a mismatch when a casino sends your winnings.
Making a PayID casino deposit, step by step
- Log in to the casino, open the cashier and choose PayID.
- Enter the amount. Check the minimum first: some casinos take A$10 by PayID, others want A$20 or more.
- The casino shows a PayID (usually an email address) and often a reference code. Some generate a new PayID for every deposit, so do not save an old one as a payee and reuse it.
- In your banking app, choose "Pay someone", select PayID and paste the details in.
- Before you confirm, look at the name the bank displays. It will often be a payment company rather than the casino brand. That is normal, but it should match what the cashier told you to expect.
- Add the reference exactly as shown, send the payment and go back to the casino tab.
Most deposits appear within a minute or two. The exception is the very first payment to a new payee: CommBank, for one, says those can be held for up to 24 hours while it runs security checks. If your deposit is stuck, that is the most likely reason, and there is a longer list of fixes on our $20 PayID casinos page.
How much your bank lets you send
A PayID transfer is not a separate product with its own cap. It counts towards the same daily limit as any other online payment from your account. That matters less for a $10 deposit than for a withdrawal plan, but here is what the big banks publish:
| Bank | What the bank says |
|---|---|
| NAB | Default daily limit of A$2,500, or A$5,000 if you use SMS security. It can be raised to A$100,000 in Internet Banking, and PayID transfers count towards it. |
| Westpac | No separate PayID limit. Payments to a PayID come out of your Online Banking daily payment limit and your available funds. |
| CommBank | Near real-time payments with fraud checks. First payments to a new payee may be held for up to 24 hours. |
Other banks publish their limits in the app, usually under payment or security settings. You can often lower the limit yourself, which is a handy brake if you want one.
Getting your winnings back by PayID
Not every casino that takes PayID deposits pays out the same way. Some send withdrawals by PayID, others switch you to a standard bank transfer or crypto, so check the casino's banking page before you deposit. On our PayID pages each casino card also shows from which deposit PayID becomes available, because a few sites only unlock it after your first or second top-up.
The slow part is almost never the transfer itself. Once a casino releases the money, it arrives in seconds. What takes time is the approval: identity checks on your first withdrawal, a pending period some casinos use, and weekends. Upload your ID and a proof of address before you ask for your first payout, and make sure the name on your casino account is the same as the name on your bank account. A mismatch is the most common reason a payout bounces.
Card gambling blocks and bank transfers
Most big banks now let you block gambling on your cards from the app. NAB has a switch in its app, and CommBank has a self-service gambling lock in the app and NetBank with a 48-hour cool-off before you can turn it off. These tools watch card transactions coded as gambling.
A PayID payment is a bank transfer, not a card purchase, so a card block may not stop it. If you have set up a block to keep your gambling in check, do not rely on it alone. Ask your bank's support team what else they can restrict, consider blocking software on your phone, and talk to Gambling Help Online (1800 858 858, free and open 24/7). Our responsible gambling page lists more options.
Picking a PayID casino for your budget
How much you plan to put in decides which list is worth your time. At $5 PayID casinos the choice is small and bonuses are rare. $10 PayID casinos are the sweet spot for most players, and $20 PayID casinos are where the bigger welcome offers start to apply. Before you take a bonus with any of them, run the numbers through our wagering calculator. A 40x playthrough on a small deposit can be a lot more spinning than it sounds.
One last habit that pays off: screenshot the cashier screen with the PayID and reference before you switch to your banking app. If anything goes wrong, support will ask for exactly those details.