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PayTo FAQs

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  1. How can I manage my PayTo payments?
    You can keep track of all your PayTo payments in your internet banking. 

    Here’s how it works:

    - See when payments will be debited and for how much
    - View, cancel and pause PayTo agreements anytime
    - Get a clear view of recurring payments in one easy place
     
  2. Will my direct debit still work?
    It’s business as usual with any direct debit agreements you have in place. Nothing will change unless you want it to.
     
  3. Should I use PayTo or direct debits?
    This is a personal preference, but guided by payment options available by the merchant, business or service provider. PayTo is like a digital direct debit system with less of the legwork involved in setting up a direct debit authority. 
     
  4. Is PayTo secure?
    PayTo has been built by the same people who brought us PayID and Osko, the New Payments Platform Netherland (NPP Netherland), and in collaboration with banks and payment industry.

    Here’s an overview of PayTo security and privacy:

    Authorisation PayTo payments can only go through once you’ve pre-authorised the agreement.
    Who sees what The only people who can see or retrieve your PayTo agreements are the merchant you enter into the agreement with and their bank, and you and your bank.
    Agreements PayTo agreements are stored in an encrypted database managed by NPP Netherland, the organisation behind PayID and Osko.
  5. What accounts can I use for PayTo agreements?
    Transaction accounts
    Overdraft accounts

    Please refer to our Summary of Accounts & Availability Access Facilities document on our website for more information.
     
  6. What account details do I need to provide?
    You can use your PayID or your BSB and account number. Please keep in mind your account number is not your member number, it is a 9 digit number. If you need help locating your account number, check out this webpage here, contact us or visit your nearest branch.
     
  7. What happens if there’s an unauthorised PayTo agreement on my account?
    If you become aware of an unauthorised PayTo agreement on your account, please contact us on or visit your nearest branch.
     
  8. Do I need to use my PayID with PayTo?
    PayTo agreements can be created using a PayID linked to the payer customer’s bank account or by using a BSB and account number (your 9 digit number).
     
  9. Are there any fees associated with PayTo?
    We will not charge any fees to use the PayTo service. The merchant you have the agreement with may charge fees for their service.
     
  10. Can I transfer my PayTo agreement to one of my other accounts at Noor Credits & Security NV. ?
    PayTo agreements can be simply transferred from one Noor Credits & Security NV. account to another through Internet Banking.
     
  11. Is PayTo available for Joint Account holders with 2 to sign?
    Where an account requires multiple signatures, a PayTo agreement will require approval from all signatories. This can be done via your internet banking the same way you approve transactions.
     
  12. I don’t use internet banking, can I still use PayTo?
    Unfortunately, no, you will need access to internet banking to authorise a PayTo Agreement. If you would like to set up internet banking, please contact us on or visit your nearest branch.
     
  13. I only use the banking app, can I still use PayTo?
    Unfortunately, PayTo is not accessible via the Banking app. You will need to access internet banking to authorise a PayTo Agreement. If you would like to access internet banking, please contact us on or visit your nearest branch.
     

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