How to pay on the New Payments Platform (NPP)

The process of making an NPP payment is similar to BPAY and any normal EFT payment. The difference is you make the payment to a PayID, not a BSB and Account Number.

Notes

  • You can only make or receive an NPP payment if your bank is on this list.
  • Some banks have a NPP daily limit of $1,000. You'll need to check this with your bank.
  • If you're paying into Cubbi for the first time your bank may take 24 hours to process your first payment (to ensure the new payee is safe).
  • Only use PayID and Reference Number. Do not use any other other terms when making the payment. More info.

How to make an NPP Payment

1

Login to your online banking (outside of Cubbi)

Via your online banking, choose the NPP payment option (some banks (e.g. Commonwealth) may refer to this as 'Email').  

2

Enter your unique payment reference details

  1. Login to your Cubbi Dashboard here.
  2. Navigate to the 'Payments Due' page on your Dashboard by clicking on your tenancy (quick tip: make sure you're on the 'Tenant Dashboard')
  3. Click on 'Pay Now' and you'll then see your PayID and unique Reference Number (quick tip: these details are unique for your tenancy and can be used to pay your rent, bond and other invoices)
  4. Copy and paste the PayID (email) and unique Reference Number (15 digits) to your online banking. 
  5. In any additional fields (commonly it says 'Description') be sure to re-enter the Reference Number ONLY. Please do not use other words like "rent" in this field (we know this is tempting!)
  6. Enter the exact amount shown in Cubbi to pay. For example, if your invoice is $99.99, you'll need to pay $99.99, not $100!

Only use Reference Number in the payment Description and Reference. Do not use other terms like "rent" as it may bounce back into your account.

It's safer, simple and more secure. Some banking apps might refer to this PayID as an email address or mobile number because that's essentially what a PayID is. In our case, it's an email address.If you bank with Commonwealth Bank you need to make a payment to an 'email address', whereas, if you bank with ING you select PayID first before entering the email address.

Don't get the Reference Number wrong! It's best to copy & paste this from your Cubbi Dashboard. The PayID is unique to Cubbi and the same for everyone, whereas your Reference Number is unique to your lease and it's how we know how to allocate the payment to your tenancy and not someone else.

For non-rent payments: you need to pay the exact amount of the invoice owing. Otherwise, it will be allocated as a rent payment. This is because Cubbi automatically allocates all payments made by you. Learn more.

3

Click Pay

That's it! Your NPP payment is complete and will show up on your tenancy's payment records in Cubbi within 30 seconds. We'll send through an auto-payment confirmation email once received. It's that fast!

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