IMB with Osko®

Osko is the faster way to pay or receive money from friends, family and businesses.

Osko payments are here.

What is Osko?

Osko is a secure real-time payment service. It uses the New Payment Platform to enable fast payments to a PayID or eligible BSB and account number. Now you can pay and be paid in a matter of seconds – even if the other person banks with a different financial institution.

Get started now

You can make Osko payments, and create a PayID to receive Osko payments, through IMB’s Internet Banking or Mobile Banking App. If you haven’t registered for Internet Banking, register now here, call into your local branch or call us on 133 462, 8am – 8pm Monday – Friday, 9am – 4pm on Saturday.

How does it work?

Receiving a payment:

Provide your PayID
Once you’ve created your PayID (this could be your mobile number or email address) in Internet Banking or the Mobile Banking App, you can simply give this PayID to someone to receive an Osko payment.

Tip - If you haven’t yet setup your PayID, you can still receive an Osko payment by providing your BSB and account number.

Making a payment:

Login to IMB Internet Banking or the Mobile Banking App.

Enter PayID
Pay someone using the registered PayID they’ve given you. This could be a phone number, email address, ABN or an Organisation Identifier name. Visit for more.

Check the details
Make sure the PayID and amount you’ve entered are correct as the money will be transferred immediately. When you use a PayID, you will also see the name of the account you are paying to, so check this before completing the payment.

Write a message
You can include up to 280 characters (including emojis!) in your description.

Pay securely
Real time payments are processed securely in seconds through Osko by BPAY™. Visit for more.

Why you'll love real time payments

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It's fast

Faster payments across over 100 financial institutions, 24/7 – even on weekends!

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It's smart

You can use 280 characters to describe who’s getting paid and why, including emojis – whatever characters you need!

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It's easy

You can use a PayID to pay and get paid with something simple like a registered mobile number, email or ABN. Or you can still use a BSB and account number.

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It's safe

It’s backed by BPAY and us, so it’s very secure.

What difference will it make?

For customers

It will make it easier to flick cash to friends, split a dinner bill at the table or pay a tradie fast.

For businesses

It will mean bill payments can be received sooner. It can also speed up wage payments to staff and improve overall cashflow.

Important documents

Internet Banking Terms & Conditions

IMB Internet & Mobile Banking Registration Form

Mobile Banking App Terms and Conditions

Member Guide to Transaction Banking – Product Disclosure Statement

Need support?

Contact us

Get in touch with one of our Australia-based team.

Locate us

Our friendly branch staff are looking forward to helping you achieve your financial goals.

Got a question on paying with Osko?

I am unable to send or receive Osko® payments, why is this?

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

Important Information

You should consider the IMB Member Guide to Transaction Banking - Product Disclosure Statement before making a decision about this facility. Target Market Determinations available here. Fees and charges may apply, see the PDS – Fees, Charges and Limits for more details. Information current at date of appearance and subject to change.

BPAY, Osko and Osko by BPAY are trademarks of BPAY Pty Ltd.