Important update: from 1 April 2026, the Illawarra Credit Union brand – a division of Community First Credit Union – will be formally retired. Visitors to the illawarracu.com.au will now be directed to this site. More information about this change is available here.

Real-time payments

Making transfers and finance management easier than ever before.

Simple, easy and secure.

You can now send an Osko® or PayID payment via internet banking or moneytree to any participating financial institution. Enjoy the benefits:

It’s faster

Splitting bills just got easier. You’ll be able to transfer and receive money within minutes, not days.

It’s easier

Use a mobile number or email address to make and receive payments. You’ll just need to register your mobile number or email address as a PayID.

It’s safe

It’s an industry wide initiative backed by BPAY, so you can rest assured that it’s secure.

So, what is PayID?

Looking for an easier way to make payments? Simply set up a PayID account by linking your mobile number or email address to your account! This will let people pay you with these details without needing your full account number and BSB.

Business members can create a PayID using their ABN number, get in touch with us to find out how.

Setting it up is easy!

If you’re logged onto internet banking, simply:

  • Select Settings in the top navigation and click on Settings
  • Select Manage PayID
  • Pick the preferred contact you’d like to use as your PayID
  • Choose the account you’d like your PayID to link to
  • Verify your details
  • Create your PayID

If you’re using mobile app, ensure you’re on the latest version, then simply:

  • Log in, select Pay then Manage PayIDs
  • Pick the preferred contact you’d like to use as your PayID
  • Choose the account you’d like your PayID to link to
  • Verify your details
  • Create your PayID

Need more information?

Read the FAQ’s from NPPA (New Payments Platform Australia)

>  https://www.auspayplus.com.au/solutions/npp

Important notes 

Osko® is a registered trademark by BPAY Pty Ltd ABN 69 079 137 518. Community First Bank will not be held responsible for the information contained within a site accessed via this site. Should you enter another site through such links, the content will not have been produced, checked for accuracy, or reviewed by the Bank. Any endorsements or any opinions offered are not necessarily those of the Bank

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

Download our mobile app

Convenient 24/7 access to check your account balance and recent transactions, pay bills, transfer money and more.

Call us today on

1300 13 22 77

Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170