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Paying bills FAQs

Here are the answers to frequently asked questions about paying your bills online.

  1.  What's BPAY® and how do I set it up?

    BPAY® is a national electronic bill payment service, jointly developed by Australia's leading financial institutions. If your bill displays the BPAY® logo, you can use BPAY® to pay it through St.George Internet or Phone Banking.

    There is no set-up required. Once you are registered for Internet Banking, BPAY® is ready to use. Simply check that the BPAY® logo is displayed on your bill, note the Biller Code, Customer Reference Number and amount you need to pay, and then follow the step-by-step instructions provided.

    To make things easier, Internet Banking can remember each biller you pay and store your favourite billers. Using Internet Banking, you can pay your bills straightaway or schedule for them to be paid later. You can even set up regular payments daily, weekly, fortnightly or monthly for up to 24 months in advance. You’ll get a receipt each time you make a payment..

  2.  What are the Customer Reference Number and Payer Name and do I have to enter them?

    The Customer Reference Number (CRN) and Payer Name identify you and the bill you’re paying to the biller.

    You must enter the CRN to process the payment. Payer Name is not a mandatory field, but any information you choose to enter in will be sent to the biller..

  3.  Where do I find the Biller Code and Customer Reference Number (CRN)?

    he Biller Code and Customer Reference Number (CRN) are located next to the BPAY logo on your bill.

  4.  Which bills can I pay via BPAY®?

    Over 13,000 bills accept BPAY®, including phone bills, utilities, credit cards and much more. Look for the distinctive BPAY® logo in the payment section of your bill, or visit the BPAY website for a complete list of BPAY® billers

  5.  Are there any minimum or maximum limits that apply?

    Each biller sets individual minimum and maximum transaction limits, these may be higher or lower than the limits we impose. We set a maximum daily limit of $100,000 per day, however, to ensure Internet and Phone Banking remains safe and secure, we have increased security measures for funds transferred to selected billers for payments such as credit cards or TAB accounts. Payments to these billers have a reduced limit of $15,000.

    If you are unsure of a biller’s limits please feel free to contact us on 1300 555 203.
    BILLER CODE BILLER NAME
    1008 NAT AUST BANK CARDS
    1016 TABCORP VIC
    1214 RWWA
    1818 COMMONWEALTH CARDS
    3012 DINERS CLUB
    3020 DAVID JONES
    3491 ANZ DIRECT
    4119 TAB LIMITED (NSW)
    5017 GE FINANCE
    5082 AMERICAN EXPRESS
    5181 WESTPAC CARDS
    6007 ANZ CARDS
    7070 UNITAB LIMITED
    7468 NT TAB PTY LTD
    8607 GRACE BROS CARD
    8714 BUYER'S EDGE
    8730 TARGET CARD
    8920 COLES MYER CARD
    9100 BANKWEST CREDIT CARD
    9118 BANKWEST LOANS
    9779 ST GEORGE CARDS
    9787 BANKSA CARD
    11031 CDH STAFF C/U
    17095 HSBC CREDIT CARD
    18382 CBA CASH DEPOSIT A/C
    24059 SML SECURED ACCOUNTS
    24323 SML BUSINESS BANKING
    24448 EZY BANKING
    36046 SA TAB PTY LTD
    45419 ACT TAB LTD
    49502 CITIBANK CREDITCARDS
    49528 CITIBANK READYCREDIT
    50179 TRAVELEX LIMITED
    57018 WESTPAC TERM DEPOSIT
    57026 TERM DEPOSIT - CHAL
    57034 WESTPAC TERM DEPOSIT
    57059 INDEPENDENCE LOANS
    57166 CARD SERVICES
    72751 NEWINGTON FEE OPTION
    85621 AMP BANK CREDIT CARD
    464271 AMERICAN EXPRESS FX4YOU
    696773 SPIRIT OF FINANCE

  6.  Can I schedule a payment for a later or recurring date?

    Yes. You can schedule a payment up to 24 months in advance. You can also set up regular payments daily, weekly, fortnightly or monthly for up to 24 months in advance.

  7.  What's the cut-off time for payments and how long does it take for the money to reach the biller?

    Cut off time is 5.30pm (AEST), 7 days a week. If you instruct us to make a BPAY® payment before the time specified, it will in most cases be treated as having been made on the same day. However, if you instruct us to make a BPAY® payment on a Saturday, Sunday or public holiday, or if another participant in the BPAY® Scheme does not process a BPAY® payment as soon as they receive the details, the payment may take longer to be credited to the biller.

    BPAY® payments require additional processing times due to the processes involved. Regardless of whether the payment is made to a St.George account or to another financial institution, we require at least one day to process our side of the transaction.

    While we endeavour to process all transactions in a timely manner, St.George cannot control when a participant in the BPAY® Scheme processes their side of the transfer or payment. Therefore please allow up to two business days for your payment or transfer to be processed.

  8.  Can I stop a BPAY® Payment once I have submitted it?

    Once a transfer has been confirmed via Internet Banking, we are unable to cancel payment.

    If you have made a payment incorrectly, please contact our Internet Banking Helpdesk on 1300 555 203 (+61 2 9845 4160 overseas) 24 hours a day, 7 days a week.
    There are two procedures that can be initiated:

    1. Recall – A recall will endeavour to retrieve the funds from the credited account.
    2. Trace – A trace will locate the destination of the funds.

  9.  Can I make a BPAY® payment with my credit card account?

    A number of billers do not accept payment from credit card accounts. However, this varies and is at the discretion of the biller providing the bill.

    To find the payment options offered by a specific biller, visit the BPAY website and type in the biller name. Some billers may charge a surcharge for payments made from a credit card account. Again, this is at the discretion of the biller, and the surcharge is usually added to the next bill.

  10.  Is there a fee to use BPAY®?

    No. BPAY® is free to use via Internet Banking

  11.  I have a BPAY® biller with a Variable Customer Reference Number. Do I have to delete the biller and recreate it each time I want to make a payment?

    No. You don't have to delete and recreate the biller each time you want to make a payment. If you have a Customer Reference Number (CRN) that changes with each bill issued, you can still save the BPAY® biller to your favourites. The next time you make a payment to that particular biller, you’ll be able to enter in the new CRN

  12.  What's BPAY® View and how do I set it up?

    BPAY® View allows you to receive and view your bills through the secure environment of Internet Banking. You can do away with paper bills and efficiently manage your bills online. With BPAY® View you can view, pay and track payments at any time.To get started, register for the bills you wish to receive electronically via Internet Banking.

  13.  What's the maximum amount I can BPAY®?

    You can BPAY® a cumulative daily limit of $100,000 to BPAY billers. However, a $15,000 maximum daily limit applies to certain billers. Also, each biller sets individual minimum and maximum transaction limits, which may be higher or lower than the limits we impose.

  14.  Can I use BPAY® to fund the Opening Deposit of a Term Deposit Account?

    Yes. When your Term Deposit Account is opened, you’ll be issued a BPAY® Biller Code and Customer Reference Number (CRN) so you can deposit funds into your new St.George Term Deposit Account.

  15.  What's the Biller Code to fund the Opening Deposit of a Term Deposit Account?

    St.George Term Deposit Biller Code: 117614

    Customer Reference Number (CRN): Your 10-digit Term Deposit Account number.

  16.  How do I register for BPAY® View?

    To register for BPAY® View, refer to your paper bill for some details including your billing account number, which the biller needs to identify you.
    It will take up to two working days for the biller to process your request. Once the biller accepts your registration, we’ll notify you when you log on to Internet Banking. After your registration is approved, you’ll start receiving your bills via Internet Banking at the next billing cycle.

    You can register for BPAY® View via Internet Banking from the 'View My Bills Online' menu.

  17.  What happens if the biller denies my registration request?

    First, check that you’ve entered the required details exactly as they appear on your paper bill. For information on why a biller has denied your registration request, you will need to follow up directly with the biller.

  18.  Which bills are available through BPAY® View?

    Hundreds of bills are available through BPAY® View. Check if the biller offers BPAY® View by looking for the words BPAY® View in the payment option section on your paper bill, or visit the BPAY® web site for a complete list of BPAY® View billers.

  19.  How do I cancel BPAY® View?

    You can cancel BPAY® View at any time by cancelling billers that you’ve previously registered.

  20.  Is there a fee to use BPAY® View?

    No. BPAY® View is free to use via Internet Banking.

  21.  How do I view all of my BPAY® billers?

    You can view all of your Biller Accounts separately from your own accounts. To view a list of your Billers select ‘BPAY® billers’ located under ‘Transfers & Payments’ in the left hand menu of Internet Banking.