Sure. PayID and Osko are the same thing. Just different names depending on which bank. PayID and Osko are instant payment systems. The funds you send via PayID or Osko will reach the recipient instantly, even between different banks. Your online banking apps with most Australian banks (but not BOQ) already have built-in PayID or Osko with your savings account. So if you have an online banking app with your bank, you won't need to download or set up anything else. You go to your online banking on your computer, tablet or mobile phone, and go to "Pay someone" or "Pay anyone", both the same thing, depending on which bank. Then you give it my phone number. And the amount of funds you'd like to send. It'll show you my company name and ask you to confirm. I'll then receive the funds instantly. Please note: When you send funds for the very first time by PayID or Osko from your non-NAB bank to my NAB account, your bank will hold onto the funds for 24 hours, so I won't receive the funds until 24 hours later.