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How to Authorise a PayTo Agreement in Your Banking App

Step by step instructions to authorise your PayTo agreement in your relevant banking app (CBA, NAB, ANZ, Westpac, or St George).

Updated over 3 weeks ago

PayTo is a new, secure way to set up and manage payments directly from your bank account. Each bank supports PayTo within their app (and in some cases, internet banking), where you can authorise, decline, or view agreements.

Below are step-by-step instructions for each supported bank, along with the applicable PayTo limits.

Commonwealth Bank (CBA)

PayTo limit: Maximum $25,000 per payment

PayTo is built into the CommBank app and NetBank.

To authorise or decline a PayTo agreement in the CommBank app:

Help Instructions:

  1. Log into the CommBank App.

  2. Navigate to Pay & Transfer or search for PayTo.

  3. Tap PayTo agreements, select the pending agreement, review the details.

  4. Tap Authorise or Decline.

In NetBank:

  1. Log into NetBank.

  2. Go to Payments, then select PayTo agreements.

  3. Review the agreement and click Authorise or Decline.

NAB

PayTo limit: Not specified by NAB

PayTo is built into the NAB app and NAB Internet Banking.

To authorise or decline a PayTo agreement in the NAB app, go to the menu and tap:

  1. Payments.

  2. PayTo Agreements.

  3. Tap Authorise or Decline to accept or decline the agreement after reviewing the details.

In NAB Internet Banking, click:

  1. Transfer & Pay.

  2. PayTo Agreements.

  3. Click Authorise or Decline to accept or decline the agreement after reviewing the details.

Note: If you do not authorise or decline the new agreement within six days, it will expire.

Westpac

PayTo limit: $1,000 per payment

PayTo is built into the Westpac app and Westpac Online Banking.

To authorise or decline a PayTo agreement in the Westpac app:

  1. In the Westpac App, go to Payments and search or navigate to PayTo agreements.

  2. Review the agreement details.

  3. Tap Authorise or Decline.

In Westpac Online Banking:

  1. Log in and go to Services → PayTo agreements.

  2. Review and action the agreement by choosing Authorise or Decline.

Note: You may also receive notifications via SMS or email. If not actioned within six days (or as specified by the provider), the agreement may expire.

ANZ

PayTo limit: Maximum $25,000 per payment

PayTo is available in the ANZ App and ANZ Internet Banking.

To authorise or decline a PayTo agreement in the ANZ App:

Help Instructions:

  1. Open the ANZ App, go to Payments, then Scheduled, and toggle to PayTo.

  2. Select the agreement, review details, then tap Authorise or Decline.

In ANZ Internet Banking:

  1. Log in and go to Payments, then PayTo agreements.

  2. Review the agreement and click Authorise or Decline.

Note: Unauthorised agreements may expire after six days.

St. George

PayTo limit: Daily PayTo limit of $5,000

PayTo is available in the St. George App and Internet Banking.

To authorise or decline a PayTo agreement in the St. George App:

Help Instructions:

  1. In the St. George App, go to Payments or Services, then PayTo agreements.

  2. Review the agreement and tap Authorise or Decline.

In St. George Internet Banking:

  1. Log in and select Payments, then PayTo agreements.

  2. Review the details and click Authorise or Decline.

Note: Missing action within six days may result in expiry.

Note: If you do not authorise or decline the new agreement within six days, it will expire.

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