Osko (AU)

Osko payments are made from one Australia domiciled AUD account to another Australia domiciled AUD account and are processed in near real time for eligible accounts. Osko payments are submitted in batches but are processed using individual debits which results in a separate debit on your account for each payment instruction. A batch can contain one to 5,000 payment instructions to a maximum value set by your Daily Osko Limit. Refer to cut-off times for payment processing and cut-off times.

Methods of creating Osko payments:

• Upload an ABA-Osko file
• Use a payment template
• Use a past payment
• Use the Create Payment screen - see below:

To create an Osko payment from the Create Payment screen, go to the Create Payment screen, click Domestic Payment and complete the sections below.

Beneficiary Details

To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment.

1. Click Add to add a payment instruction to the list
   
2. Add Beneficiary
   Add Beneficiary from your Payee List

   Click in the Beneficiary Name field and select a beneficiary from the drop-down list. You can also use the Search Beneficiaries feature to find a beneficiary in your Payee List.
   Add New Beneficiary

   1. Click in the Beneficiary Name field and click Add New Beneficiary
      If Add New Beneficiary isn't visible, you do not have entitlements to create payees.
   2. Select Payment Address Type:
      BSB-Account Number

      1. Enter the Beneficiary Name
      2. Enter the 6-digit BSB associated to the Beneficiary Account Number (no spaces or hyphens)
      3. If you are sending a Beneficiary Advice, enter an Email Address
      4. Enter the beneficiary's 9-digit Beneficiary Account Number (no spaces or hyphens)
      PayID-Email Address

      1. Enter the Beneficiary Name
      2. If you are sending a Beneficiary Advice, enter an Email Address
      3. Enter the beneficiary's PayID-Email Address
      4. Click Verify to retrieve the PayID Name
      PayID-Phone Number

      1. Enter the Beneficiary Name
      2. If you are sending a Beneficiary Advice, enter an Email Address
      3. Enter the beneficiary's PayID-Phone Number
      4. Click Verify to retrieve the PayID Name
      PayID-ABN/ACN

      1. Enter the Beneficiary Name
      2. If you are sending a Beneficiary Advice, enter an Email Address
      3. Enter the beneficiary's PayID-ABN/ACN
      4. Click Verify to retrieve the PayID Name
      Organisation ID

      1. Enter the Beneficiary Name
      2. If you are sending a Beneficiary Advice, enter an Email Address
      3. Enter the beneficiary's PayID-Organisation ID
      4. Click Verify to retrieve the PayID Name
   3. Click Add this beneficiary to Address Book if you will be paying this beneficiary again
      
   4. Click Proceed
3. If the beneficiary has a PayID, click Verify to retrieve the PayID Name (i.e. owner of the PayID):
   
   If you have added a beneficiary with a BSB/Account Number or you have added a New Beneficiary and already completed this step, you do not need to Verify.
4. The Reference contains the Payment Reference and can be changed for this beneficiary if required. This can be up to 35 characters and will appear as part of the narrative on the debit account and the beneficiary's statements. 
5. Enter the Amount to pay the beneficiary
6. If required, click Beneficiary Payment Details to update the following:
   Purpose Code

   If required select a Purpose Code from the drop-down list.  
   Remittance Information (optional)

   • Enter Message to Beneficiary up to 280 characters that will appear on the Beneficiary Advice and the Payment Detail Report
   • Enter Invoice Details up to 80 x 60 lines of information that will appear on the Beneficiary Advice and the Payment Detail Report
   • Tick the Email Beneficiary Advice checkbox and enter an email address where the Beneficiary Advice will be sent to
     • You cannot edit the email address if the checkbox is not ticked
     • Pre-populated email addresses are derived from the beneficiary details in the Payee List
     • A sample Beneficiary Advice can be found here
7. Repeat above steps to add each beneficiary to the payment

To remove one or more payment instructions from the list, tick the checkbox next to the instruction number and click Remove.