Here are the answers to frequently asked questions about paying your bills online.
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..
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..
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.
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
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.
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 5181 WESTPAC CARDS 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 91488 BillBuddy 93286 Grafton Artsfest Incorporated 93484 SLAVE SYSTEMS 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
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.
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.
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 on1300 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.
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.
Is there a fee to use BPAY®?
No. BPAY® is free to use via Internet Banking
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
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.
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.
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.
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.
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.
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.
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.
- How do I cancel BPAY® View?
Is there a fee to use BPAY® View?
No. BPAY® View is free to use via Internet Banking.
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.
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.