What is PayTo

PayTo® is a new, fast alternative to traditional direct debits.

From April 2024, AutoPay payments are processed via PayTo, enabling real-time payments (30 seconds). Renters who set up AutoPay before April 2024 will continue with the traditional direct debit method (3 business days) until they update their payment method.

With PayTo you can make once-off, ad hoc or recurring payments from your connected PayID or BSB and account number.


You'll be able to view and manage your PayTo connected bank accounts in Cubbi and manage PayTo agreement directly within your banking app.

Think of PayTo as a new payment method where Cubbi initiates the payment from your bank account, just like traditional direct debit but processed in real-time!

PayTo is powered by NPP and is a service offered by Banks and payment service providers in Australia.



How it works

  1. You’ll be asked to provide your BSB and account number or PayID.
  2. 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.
  3. Once you’ve authorised the PayTo agreement, you’ll be able to use your PayTo payment method in Cubbi to make hassle free, instant payments from your bank account.

Learn more: How to connect bank account for PayTo

Check to see if your bank or financial institution supports PayTo here.


How to use PayTo with Cubbi

For renters

You can set up AutoPay to pay rent from your bank account via PayTo. Learn more about AutoPay.

Soon you’ll be able to use PayTo to pay once-off or ad hoc payments like Bond, Water and other Tenant invoices.


For owners

Coming soon you’ll be able to pay for Cubbi services such as advertising and screening fees plus have your Property Bills paid instantly via PayTo.



Benefits of PayTo

For renters or owners making payments:

  • Hassle free - automated payments directly from your bank account initiated by Cubbi so you don’t need to make the payment manually within your banking app.
  • Free - you’re not charged any payment processing fees, there is also no nasty dishonour fees that banks sometimes charge.
  • Instant - payments are lightning fast – 30 seconds to Cubbi. If it fails, you’ll know straight away and can rectify the problem

For owners receiving payments:

  • On time payments - For tenants paying on AutoPay via PayTo, you don’t need to rely on the tenant to make the payment, Cubbi initiates the payment when it’s due.
  • Instant - PayTo payments are lightning fast – 30 seconds to Cubbi, then instantly to the owner.
  • Safe and convenient: Safer and more secure method than traditional direct debit payments. You also know if the payment is secured instantly instead of waiting 3 business days.


PayTo vs Traditional Direct Debit

PayTo Traditional Direct Debit
Use your PayID or BSB and account number. Use your BSB and account number.
Lightning fast payments processed in real-time (30 seconds), 24/7, every day with confirmation of payment outcomes. Slow 3 business days payment processing before they clear, with slow 1-2 business days to know if the payment fails.
More secure, PayTo agreements must be authorised within the internet or mobile banking app before payments can go out. Anyone can use a BSB and account number to establish a direct debit. Account holder’s authorisation is not verified, making it susceptible to fraud.
Control and visibility of PayTo agreements (Direct Debits) directly within your banking app. No visibility or control to stop, pause or resume within you banking app.
No nasty dishonour fees that banks sometimes charge Nasty dishonour fees that banks can change.

PayTo availability

PayTo is currently available with over 50 banks, financial institutions and credit unions, with more to come.

Note that not all bank accounts are support PayTo, so you will need to check with you bank which accounts are supported.


List of banks that support PayTo.

Last updated at 12 April 2024

# Bank Name
1 86400 Pty Ltd
2 Australia and New Zealand Banking Group Limited
3 Australian Mutual Bank Limited
4 Australian Settlements Limited
5 Bank Australia
6 BankWAW
7 Bankwest
8 BCU A Division of Police & Nurses Limited
9 Bendigo and Adelaide Bank Limited
10 Bendigo Bank
11 Beyond Bank Australia Limited
12 Big Sky Building Society Ltd
13 Broken Hill Credit Union
14 Central Murray Credit Union Limited
15 Citibank N.A
16 Citibank N.A (Sydney Branch)
17 Commonwealth Bank of Australia
18 Community First Credit Union Limited
19 Credit Union SA Limited
20 Cuscal Limited
21 Defence Bank Limited
22 Ezypay Pty Ltd
23 FIRST OPTION BANK LIMITED
24 Ford Co-operative Credit Society Ltd trading as Geelong Bank
25 Goulburn Murray Credit Union Co-Operative Limited
26 Great Southern Bank
27 Hay Ltd (Shaype)
28 Heritage Bank Ltd
29 Horizon Credit Union Ltd t/as Horizon Bank
30 Illawarra Credit Union
31 Indue Ltd
32 Industrial And Commercial Bank Of China
33 ING Ltd
34 Laboratories Credit Union Ltd
35 Macarthur Credit Union Ltd
36 Macquarie Bank Limited
37 Macquarie Bank Limited 002
38 National Australia Bank
39 Northern Inland Credit Union
40 Orange Credit Union
41 People’s Choice Credit Union
42 Police And Nurses Limited
43 Police Credit Union Ltd
44 QT Mutual Bank Limited (RACQ)
45 Qudos Bank
46 Queensland Country Bank Limited
47 Regional Australia Bank Ltd
48 Reserve Bank of Australia
49 South West Slopes Credit Union Ltd.
50 St George & Bank SA & Bank of Melbourne (divisions of Westpac Banking Corporation)
51 Suncorp-Metway Ltd.
52 Teachers Mutual Bank Limited
53 Unity Bank Limited
54 Ubank
55 Warwick Credit Union Ltd
56 Westpac Banking Corporation

PayTo limits

Every banking institution and/or bank account may have different limits per payment, for example ANZ Plus have a limit of $25,000 per payment, so you won't be able to use PayTo for any individual transactions larger than this amount.



PayTo is a registered trademark of NPP Australia Limited.