I'm having trouble connecting bank account for PayTo
Common reasons
PayTo is not supported by your bank
Not all banks support PayTo (or NPP payments). In some cases the bank may supports PayTo however the type of bank account you're trying to connect is not supported.
In this case we suggest contacting your bank and/or trying another bank account or banking institution.
Check to see if your bank or financial institution supports PayTo here.
Amount exceeds agreed limit
This is where the maximum amount on the PayTo agreement exceeds the allowed transaction amount for the bank account OR the transaction amount exceeds the maximum transaction limit for you bank account.
We suggest contacting your bank and provide them the error reason, they should then be able to inform the maximum limit. You could then request to increase this above $5,000 so you can retry connecting the bank account within Cubbi.
Complete list of Reasons (errors codes)
In most cases, if there is a problem connecting you bank account you should be provided an error reason code. Learn what the reason means in the table below.
| Reason Code | Description |
|---|---|
| payer_account_number_invalid | Payer account details or PayID provided is invalid or does not exist within NPP. |
| closed_account | Account provided is closed. |
| payer_account_closed | Payer account provided is closed. |
| blocked_account | Account provided is temporarily blocked. |
| payer_account_type_invalid | Error reason: Payer account type is invalid - unable to debit funds within NPP. What this means: This may mean the bank account is not supported for PayTo or NPP payments. This can be common for high interest savings accounts or your banking institution does not yet support PayTo. Suggestion to resolve: Try another bank account and/or check your bank supports PayTo. |
| transaction_forbidden_on_payer_account | Transaction forbidden on the provided Payer account - either agreement to debit this account does not exist/inactive or the account does not support debits within NPP. |
| npp_transaction_not_supported | Transaction not supported on the provided Payer account - does not support NPP payments. |
| unsupported_currency | Unable to debit funds in AUD from the provided Payer account. |
| amount_invalid_or_missing | Amount and/or maximum amount are either invalid or not specified in the agreement. |
| amount_exceeds_agreed_limits_for_payer_account | Amount specified in the agreement exceeds the allowed transaction amount for the Payer account. |
| payer_deceased | Payer is deceased. |
| payto_service_not_supported_by_payer_bank | PayTo service is not supported by the Payer institution. |
| payto_service_not_permitted_for_payer | This agreement type is not supported for the provided Payer customer/account OR the Payer customer account no longer supports PayTo services. |
| requested_by_payer | Suspension/Cancellation is requested by Payer. |
| requested_by_initiating_party | Suspension/Cancellation is requested by Creditor or by the Initiating Party. |
| active_agreement_validity_expired | Validity of the agreement has expired & is no longer active. |
| undisclosed_reason | Suspended/Cancelled due to undisclosed reasons. |
| requested_by_payer_unspecified_reason | Suspended/Cancelled without any reason specified by the Payer. |
| requested_by_payer_bank_unspecified_reason | Suspended/Cancelled without any reason specified by the Payer institution. |
| unspecified_reason | Suspended/Cancelled without any specified reason. |
| prohibited | Suspended/Cancelled as it is considered prohibited. |
| payee_not_on_allowlist_of_payer | Payee not on the allowlist/trusted list of the Payer. |
| payee_on_blocklist_of_payer | Payee is blocked/blacklisted by the Payer. |
| contract_amended | External arrangement (or contract) between the Payer and the Initiating Party has been amended. |
| contract_cancellation_initiated_by_debtor | External arrangement (or contract) cancellation has been initiated by Payer. |
| contract_expired | External arrangement (or contract) between the Payer and the Initiating Party has expired. |
| final_payment_completed | Suspended/Cancelled as final payment has been completed successfully. |
| one_off_payment_completed | Suspended/Cancelled as one-off payment has been completed successfully. |
| too_many_consecutive_unsuccessful_payments | Suspended/Cancelled due to multiple consecutive unsuccessful payment attempts. |
| no_response_from_payer | Payer did not respond within the expected timeframe. |
| unapproved_agreement_validity_expired | Validity of the agreement has expired before Payer authorisation. |
| unknown_reason | Suspended/Cancelled due to unknown reason. |
| unknown_payer | The payment has been rejected by the Payer institution as the Payer is not known as per records. Please try again or contact the Payer. |
| unrecognised_initiating_party | The Payer has requested the payment rejection as the Initiating party is not recognised by them. Please try again or contact the Payer. |
Banks that place nicely with PayTo
We have personally experienced the following banks that have a smooth experience with PayTo.
Ubank and ANZ plus are quick and easy to create a bank account online.
We will keep adding banks to this list that we can personally recommend.