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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)?

    The 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
    3061 OPTUS BILLING
    3079 OPTUS BILLING SERVICES - OPTUS MOBILE
    3087 OPTUS BILLING SERVICES - OPTUS TV/NET CABLE
    3400 ESANDA FINANCE CORP
    3939 ADELAIDE BANK LINE OF CREDIT/REVOLVING ACCOUNT
    3947 ADELAIDE BANK TERM DEPOSITS
    6437 ANZ ACCOUNT E*TRADE AUSTRALIA
    7799 TELSTRA MOBILE
    7930 PAYWAY PROFESSIONAL SERVICES
    8516 MYERCARD
    8573 GE MONEY LOW RATE MASTERCARD
    8623 ONELINK MASTERCARD GE CAPITAL CONSUMER CARD CO
    8813 COLES GROUP CARD(KMART)
    8862 COLES MASTERCARD
    8961 SHELL MASTERCARD
    10702 CAMERA ACTION PTY LTD
    10975 TEDS CAMERA STORE
    19992 COMPUTERSHARE INV SERV LTD ITF AIH CALL
    20206 MACQUARIE CASH MANAGEMENT TRUST
    20651 NITTEL COMMUNICATIONS PTY LTD
    20685 NETWORK COMPANY AUSTRALIA PTY LTD
    20743 NEXT FINANCIAL LTD
    20768 PROFESSIONAL OUTSOURCE SOLUTIONS
    20933 Readbet Pty Ltd
    22699 CLUB LEISURE DEVELOPMENT PTY LTD
    22715 INTERCHANGE VACATION CLUB
    22731 MICRO BILLING SERVICES
    22939 Bank of Melbourne Term Deposits
    23580 DAVIDSON SPORTS BETTING
    23820 DIGITAL HOME DISCOUNTS PTY LTD
    23838 MYER CARD
    23846 MECHLE PTY LTD
    24570 CWCASH
    24604 MWAVE AUSTRALIA
    24760 GECFA / GE MONEY
    24877 BILL HURLEY BOOKMAKING PTY LIMITED
    26567 UNITED CARD SERVICES PTY LTD
    26732 bpv dda
    27573 BEST BUY AUSTRALIA PTY LTD
    28373 COMMONWEALTH BANK TERM DEPOSIT-ADDITIONAL DEPOSIT
    30627 h and m commercial advisors pty ltd
    31989 MYER VISA CARD
    32813 DIGITAL CAMERAS ONLINE
    33514 ENTIQUE SYSTEMS
    33928 ELDERS E-CARD
    35444 PERFUME CONNECTION.COM.AU
    35717 DIGITEL AUSTRALIA PTY LTD
    36426 nt tab pl
    36848 SDRO PENALTIES
    39834 DIGITAL FUN STUFF
    39894 TECHBUY PTY LTD
    40683 TOWN & COUNTRY UPHOLSTERY
    41590 Betfair Pty Ltd
    42697 GAMEHEAD.COM.AU
    42739 JANTECH COMPUTERS PTY LTD
    43950 LATESTBUY
    44164 DIRT CHEAP CAMERAS
    45641 SPORTINGBET AUSTRALIA (INTERNET) PTY LTD
    47803 CAMERASTORE.COM.AU
    49031 CIVIC COMPLIANCE VICTORIA
    49577 CITIBANK COMMERCIAL CARD
    49718 CITIBANK COMMERICIAL CARD
    49734 CITIBANK BUSINESS CREDIT
    49783 GOOGLE AUSTRALIA PTY LTD
    51987 COLLECTION HOUSE LIMITED
    52092 Sony Store
    52225 VODAFONE P/L POSTPAID
    53009 VANGUARD INVESTMENTS AUSTRALIA LTD
    56192 NAB AMERICAN EXPRESS CREDIT CARDS
    62075 PRECIHED CONSULT
    65342 DIALABET.NET PTY LTD
    67298 BETTERIT AUSTRALIA BPAY
    68783 ITECH HOLDING PTY LTD
    68932 Iasbet.com Pty Ltd
    69229 PLUS CORPORATION NSW
    71100 JIM'S TEST & TAG (JAMISON & KIPPAX)
    71126 SHIRE OF WONGAN BALLIDU
    72330 GLOBAL SYNERGY ENTERPRISE PTY LTD
    73031 PAYWAY RENT AND HIRE
    73049 PAYWAY HEALTH AND CARE
    73056 PAYWAY MEDIA AND TELECOMMUNICATIONS
    73064 PAYWAY RETAIL
    73072 PAYWAY NON-PROFIT ORGANISATION
    73155 SCORPION TECHNOLOGY COMPUTERS
    73239 BIDBOX ONLINE STORES
    73288 PAYWAY EDUCATION AND TRAINING
    73296 PAYWAY ARTS AND RECREATION
    73304 PAYWAY FINANCIAL SERVICES
    73312 PAYWAY TRANSPORT AND STORAGE
    74617 HERITAGE BANK CARDS
    74633 STRATAPAY PTY LTD - UNIT LEVIES & RENT PAYMENTS
    77164 NEBRIDA EMPIRES
    87387 EXELTEK SOLUTIONS
    88278 AUSCOMP COMPUTERS PTY LTD
    91215 BANK OF QUEENSLAND CREDIT CARDS
    93286 Grafton Artsfest Incorporated
    93484 SLAVE SYSTEMS
    91488 BillBuddy
    100008 encompass credit union
    100016 ONCEONLINE
    100024 BOPO CARDS AUSTRALIA
    102426 NABTrade
    106526 WOOLWORTHS EVERYDAY MONEY RELOADABLE PREPAID MC
    106658 ANZ Term Deposits
    107706 FIBUXI PTY LTD INTERHOME AG AUSTRALIA
    110163 PLUS CORPORATION PTY LTD
    112615 Auspost
    112961 C N J MOTORSPORT
    113167 CBA TRAVEL MONEY
    117606 BANKSA TERM DEPOSITS
    117614 ST GEORGE BANK TERM DEPOSITS
    117630 WORLD MEDIA INTERNATIONAL PTY LTD
    117960 BLUE FLY MOBILE
    120105 DSL - WAREHOUSE (AUSTRALIA) PTY LTD
    124206 Thomas Robert Waterhouse
    126037 GAMBLE247 PTY LTD
    128462 GALLOPBET
    132167 LOTTERYWEST
    132548 COLIN DE COSTA RENTALS
    132753 BILLER_CODE
    133678 ST GEORGE TERM DEPOSIT
    135194 TOPBETTA PTY LTD
    135335 RSL ART UNION TICKET PURCHASE
    135343 RSL ART UNION ACCOUNT TOP UP
    135459 OVERSEAS SUBSCRIBER AGENTS
    135467 OFFGAMERS
    140582 AAKI
    150615 28 DEGREES MASTERCARD
    150664 WIZARD CLEAR ADVANTAGE MASTERCARD
    150979 TELSTRA PRE-PAID PLUS
    160796 REDBACK CONFERENCING PTY LTD
    160978 ESANDA TERM DEPOSIT
    171686 DIGITAL STAR GROUP
    172015 Ignite by Westpac
    172288 GE CREDITLINE
    200360 Bookmaker com au Pty Ltd
    201509 DFACS-CHILDSUPPORT AGENCY
    205567 Tatts NT Lotteries Pty Ltd
    228759 13TH PTY LTD
    282970 BENDIGO COMMUNITY TELCO
    293076 GE MONEY MASTERCARD
    293183 CUSTOM HOUSE CURRENCY EXCHANGE
    293464 OZFOREX PTY LTD
    342949 BENDIGO BANK LOANS AND CREDIT CARD PAYMENTS
    347229 GOLDEN CASKET LOTTERY
    352740 PERFUMES ONLINE
    363697 REBELSPORT.COM.AU
    364034 SHOPTOPIA.COM.AU
    364141 THE LAPTOP COMPANY
    374405 DIGITAL DREAMS
    403410 BETTERIT AUSTRALIA
    414045 RACEFORM AUSTRALIA PTY LTD
    414409 COLONIAL FIRSTSTATE FIRSTCHOICE INVESTMENTS
    414433 HOME IDEAS CENTRE
    423251 MACQUARIE CARD SERVICES
    423343 CREDIT CARD SERVICES
    424507 GREATER BUILDING SOCIETY LTD CARDS
    434209 DIGITAL FUN STUFF
    443887 GO MASTERCARD
    464248 EMERCHANTS AUSTRALIA
    464297 SPORTINGBET AUSTRALIA PTY LIMITED
    464313 AUSTRALIAN COMPUTER ONLINE
    464321 DSTORE.COM.AU
    465385 TATTERSALLS
    473678 GILLETT'S JEWELLERS
    484113 SHOPPINGSQUARE.COM.AU / APUS CORPORATION
    484360 UMART ONLINE
    504985 EYO TECHNOLOGIES PTY LTD
    505115 PHD SITES P/L
    535518 REV AUSTRALIA P/L
    535641 SECURE CASH EXPRESS PTY LTD
    535724 HERITAGE BANK TERM DEPOSITS
    535831 Qantas Cash Currency
    544734 MOBILE LAPTOPS & NOTEBOOKS
    564955 HEWLETT-PACKARD AUST P/L HOME/SMALL BUSINESS
    574921 FREEDOM KITCHENS
    575092 COMMONWEALTH BANK TERM DEPOSIT
    575555 INSTANT IT
    575985 BUYQUICK COM LTD
    584607 GREYHOUND RACING NEW SOUTH WALES
    605352 Verseo Distribution Pty Ltd ATF the Verseo Trust
    615955 RWWA INVOICE PAYMENTS
    686014 DEALSDIRECT
    686378 TELSTRA PRODUCTS AND SERVICES
    696732 AUSPAC SOURCES P\L T\AS CRAZYSALES
    707869 RACING GAMING AND LIQUOR
    707877 GAMING & WAGERING COMMISSION
    716548 MYOB PAYMENT SERVICES BUILDING
    716886 DULUX TRADECARD
    747014 COMMINVEST TERM DEPOSIT
    747188 COLONIAL FIRST STATE CASH MANAGEMENT TRUST
    756544 Newcastle Permanent Building Society Ltd
    765628 C1 CONSULTING PTY LTD
    765719 TECHNICASH PTY LTD
    765859 TOPBUY.COM.AU
    798595 SECURITY TSFR REGISTRARS
    798777 DOUBLECLICK DIGITAL SOLUTIONS
    818286 PRITCHARD-GORDON RACING PTY LTD
    828004 SHOPPING SAFARI AND AUCTIONBASEMENT
    838599 DINERS CLUB PTY LIMITED - INTERNATIONAL
    838805 AUSSIE CREDIT CARD
    848770 TECHONI TECHNOLOGIES
    857920 MICARM
    868679 BEST BOOKIES PRICE PTY LTD
    879163 FRICTION PC MARKET
    899104 Baycorp Collection PDL (Australia) Pty Ltd
    908129 eco MasterCard
    919621 OO.COM.AU / OVERSTOCKOUTLET PTY LTD
    939041 WIRELESS 1
    939348 PLUS CORPORATION PTY LTD
    948505 NSW TCU CREDIT CARD
    950253 HANOVER CONSUMER FINANCE PTY LTD
    969345 ESCAPES CLUB
    989509 MOGA LOAN REPAYMENT
    989798 COLLECTYOURDEBT
    999532 SML CREDIT CARD
  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 'Transfers, payments & BPAY' 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?

    To cancel BPAY® View please contact our Internet Banking Helpdesk on 1300 555 203 (+61 2 9845 4160 overseas) 24 hours a day, 7 days a week.

  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 in the ‘Transfers, payments & BPAY’ menu of Internet Banking.

  22.  How do I delete a BPAY® Biller?

    To delete a ‘BPAY biller’ , simply visit the ‘Transfer, payments & BPAY’ menu. On the right hand side, under the heading ‘Manage my’ , select ‘BPAY billers’. This will display a list of all your saved billers. Select the BPAY biller name that you wish to delete and click ‘Delete’ on the top right hand corner & confirm.