Effective from 16 September 2024, we're introducing a $20,000 daily limit on DEFT direct debit transactions. The $10,000 transaction limit introduced in June will no longer apply. Please note that you may be liable for unauthorised transactions up to the new limit if you don't take due care with your payment credentials.
Welcome to DEFT
A quick, easy and secure way to make payments
How to pay
To get started, ask your biller for your DEFT reference number. You can usually find this:
- For strata lot owners, on your levy notice.
- For renters, in your tenancy agreement or with your rental payment instructions.
- For other payments, on your invoice.
Ways to pay
Check with your biller what options are available to you. Transaction fees may apply to some payment methods – these are set by your biller and are shown before you pay.
Make a one-off debit or credit card payment
American Express, Mastercard and Visa cards accepted.
Transaction fees may apply.
Pay by card or bank account with your DEFT profile
Make one-off, future-dated or recurring payments. Or set up a direct debit arrangement for your biller to debit payments when due1.
Transaction fees may apply.
3. Pay
Store multiple payment methods securely in your DEFT wallet
BPAY®
Ask your biller for a BPAY® Biller Code. Use your DEFT reference number as the BPAY Customer Reference Number.
Make BPAY payments from your bank account or credit card via internet or telephone banking.
Australia Post
If you have a need to pay in person, ask your biller for a Post Billpay barcode.
Present your barcode at Australia Post to pay by eftpos or cheque.
3. Pay
Store multiple payment methods securely in your DEFT wallet
Top tips to keep you safe when using DEFT:
- Look out for unusual requests from your biller, for example changes to accepted payment methods.
- If your biller provides updated payment details by email, obtain verbal confirmation that the request is genuine before making any payments to the new details.
- Always pay DEFT directly via one of the methods outlined above.
- Never make payments to intermediaries who may offer you a discount on your bill.
Need help?
Check our FAQs and read the DEFT Payer Guide.
Overseas +61 02 8550 5642
For billers
If you’re a business and want to accept payments via DEFT, visit our Payment solutions page.