How to connect bank account for PayTo

You will need to enter your BSB and account number or PayID followed by authorising the request directly in your banking app to give permission for Cubbi to debit payments.

PayTo is a new payment method in Australia, a fast alternative to traditional direct debits. With PayTo you can make once-off, ad hoc or recurring payments from your connected bank account. Learn more.

This guide is written for any owner of renter who is required to connect their bank account to pay via PayTo.


Step by Step guide


1. Enter BSB and account number or PayID

Choose to connect your bank account using your BSB and account number or PayID.

If choosing BSB & Account number, enter your:

  • Account name - this is only used as a label in Cubbi so you can easily identify the bank account you own that is connected to Cubbi.
  • BSB - enter the 6 digit number without spaces
  • Account number - enter the account number without spaces

If choosing PayID

You can choose to use your PayID (mobile number or email address), so your account details and personal information stays completely private.

Please note: not all banks and account types are available with PayTo. Check to see if your bank or financial institution supports PayTo here.

After entering your details, click 'Authorise with my bank'.



3. Authorise the request

When you click 'Authorise with my bank', Cubbi will then create a PayTo Agreement and send it to your bank where they will require you to authorise the request, which you can accept or decline directly in your banking app or internet banking.


The process to connect to you bank may take a minute so please be patient

Troubleshooting: If you're having trouble connecting your bank account please go here.

You may have already received a notification on your phone. If not follow the instructions below:

  1. Login to your banking app
  2. Navigate to PayTo Agreements - generally located under payments or scheduled payments or within your settings. Note that with some banking institutions (ING) you can not manage your PayTo agreement within the mobile app. You will need to login to your the online banking applications instead.
  3. Click to authorise the Agreement - you can view the agreement terms before accepting the agreement. Accepting the agreement will give Cubbi the authority to debit funds from your account.

What is a PayTo agreement?

An agreement that enables customers to authorise Cubbi to make payments directly from their bank accounts. The PayTo agreement will appear in your internet or mobile banking app for your authorisation. Once you have authorised the agreement, Cubbi can debit your account according to the terms that you have agreed.

What is the maximum amount?

The agreement sets out the payment terms, indicating maximum that can be debited from you account at any time. This is a maximum payment amount Cubbi can request to debit and does not necessarily reflect your next direct debit amount.

You may select this payment method to be used for recurring rent payments or other ‘click to pay’ payments (for example bond, water etc).



4. Done


Once you accept the request within you banking app, Cubbi will be authorised to make payments via PayTo.