how long does it take to set up payid

Setting up PayID usually takes just a few minutes in your banking app—about the same time as boiling the kettle.

Most banks activate it instantly after you link your mobile or email, though the first payment may face a brief security delay (sometimes up to 24 hours).

Once it’s live, PayID payments typically land in under a minute via Osko; if the sender’s bank doesn’t support Osko, expect normal transfer times.

If your bank needs extra ID checks, it can stretch to the next business day, but multi-day waits are rare.

Keep your old BSB/account handy anyway—some places still party like it’s 1999.