PayID® is fast, simple and safe

Once you’ve created your PayID you’ll be able to update it through NAB Internet Banking or NAB Connect (updating your PayID is not currently available via the NAB Mobile Banking app).

You’ll be able to:

• Move your PayID between financial institutions by updating the status to ‘Transfer’.
• Update the PayID name that identifies your PayID. The PayID name must be reflective of your customer profile name and we provide a list of approved options. If you wish to update your profile name, please contact NAB as we will need to re-verify your identity.
  Change the account your PayID is linked to.
• Lock a PayID, so no payments can be received to the PayID.
• Unlock a PayID that has previously been locked.
• Close a PayID. A closed PayID can be linked to another account - within NAB or another financial institution. While closed, the PayID will not receive funds.

We perform an availability check at the time of creating a PayID. If a PayID isn't available, it means it's already in use. If you think someone has created a PayID that belongs to you or your organisation, you can contact us to investigate.

All banks follow strict identification steps to ensure a customer has the right to use a PayID and the account it’s linked to.

At NAB, we’ll verify ownership by sending a code to your email or mobile.

Yes, you can create more than one PayID for an account. However, you can’t link a single PayID to multiple accounts.

If you've created a PayID, your PayID name can be viewed by anyone making a payment to your PayID – it’s used during payment initiation to help confirm that the payment is being made to the correct PayID. Your bank account details and personal information linked to your account are not disclosed when PayIDs are used for making payments. Rest assured, we'll keep your personal details secure and your privacy continues to be managed within our privacy policy.

You can transfer or close your PayID through NAB Internet Banking or NAB Connect. If your mobile number, email address, or ABN changes, you’ll need to close the PayID as you may not have authority to continue using it.

To close a PayID in NAB Internet Banking (desktop only) follow these steps:

1. Log into NAB Internet Banking and go to Profile & Settings.       
2. Select PayID settings.
3. Select the status of the PayID you wish to close and then select Closed from the drop-down list. A warning message will display asking ‘are you sure you want to close your PayID?’.

To close or manage a PayID in NAB Connect, please visit the NAB Connect Quick Reference Guide (PDF, 375KB), opens in new window.

If you've made a payment to the wrong payee, then you can lodge a transaction dispute, to find out what you need to do to lodge a dispute go to our transaction dispute page.

Fast payments are protected by NAB’s real time transaction processing and monitoring capability and PayID is just as secure as how you bank now. Visit our Security Centre to learn more about how to stay safe online, including how to keep your Internet devices secure.

All banks standardise PayIDs of type phone number to include international prefixes when you create the PayID. You can tell your Payers to use your mobile number without the country code. Simply quote 04xx xxx xxx.

As a security measure, we apply a daily limit to each NAB ID that you use to make certain online payments using NAB Internet Banking or the NAB app.

For answers to your frequently asked questions about daily limits read our simple help guide.