Westpac supports PayID through its mobile app and Westpac Online Banking, which puts AUD transfers to and from your iJoker88 account on Australia's real-time payments network. Deposits land in minutes rather than business days. Two Westpac behaviours account for most of the delays people run into — the first-payment hold and the transfer limit — and both are easy to get ahead of.
Last reviewed: September 2026
You only need to do this once, and only if you want to receive withdrawals. Sending a deposit doesn't require your own PayID.
One PayID, one account. An identifier can only be linked to a single account at a time across all Australian banks. If your mobile number is already registered with another bank, you'll need to remove it there before registering it with Westpac.
Pay only from an account in your own name. A joint account you're named on is generally fine. A payment from someone else's Westpac account cannot be credited and has to be returned, which takes far longer than the deposit would have.
Westpac, like other Australian banks, may hold your first payment to a new PayID for up to 24 hours as a fraud precaution. This applies to any new recipient — it isn't specific to gaming sites.
The hold happens entirely at Westpac's end. The payment hasn't failed, and nothing on the iJoker88 side can release it. Payments to the same identifier afterward go through at normal speed, which is why the first deposit is often the only slow one.
If you know you'll be depositing later, sending a small first payment in advance clears the hold ahead of time.
Westpac applies limits on outgoing payments, and the default is frequently lower than people expect — particularly on newly opened accounts or to recently added payees.
A payment above your limit may be declined or held without a clear notification. You can view and usually adjust your limit in the app's security or payment settings, though increases often require a verification step and sometimes take effect after a short delay. It's considerably easier to sort out before you need it.
Withdrawals use the same rails in reverse, with an approval step in between. Once approved, the transfer generally completes within 5–15 minutes, seven days a week.
Approval is the variable part, not the transfer. Three things decide how quickly it clears:
If a payout is sitting pending, the pending withdrawal guide works through diagnosing which of the three it is.
| Method | Deposit | Withdrawal | Weekends |
|---|---|---|---|
| Westpac PayID | 1–3 minutes | Yes | Yes |
| Westpac bank transfer | 1–3 business days | Yes | No |
| POLi | Minutes | No | Yes |
| BPAY | 1–2 business days | No | No |
| Neosurf | Instant | No | Yes |
PayID is the only method here that is both instant and works in both directions, which makes it the practical default for Westpac customers.
Yes, PayID is a standard feature in the Westpac app and Westpac Online Banking. Whether any particular payment completes depends on Westpac's own policies and your account settings, the same as with any recipient.
Australian banks commonly hold the first payment to a new PayID for up to 24 hours as a fraud precaution. It applies to any new recipient and happens entirely at the bank's end. Later payments to the same identifier go through normally.
It's in the app's security or payment settings. Increases usually require a verification step and can take a short while to apply, so it's worth doing before you need it rather than mid-deposit.
No. A PayID identifier can only be linked to one account at a time across all Australian banks. If your mobile number is registered elsewhere, remove it there first.
Once approved, generally 5–15 minutes by PayID, any day of the week. Approval time depends on whether your identity is verified, whether your name matches your Westpac account, and whether you have outstanding bonus wagering.
Yes. Any bank transfer appears on your statement with the recipient details. If you'd prefer no bank record, Neosurf vouchers are bought with cash — though they're deposit-only, so you'll still need a bank account to be paid out.
The payment isn't lost, just unmatched. Send support a screenshot showing the amount, timestamp and your account username, and it can be matched by hand.
Yes. St.George, Bank of Melbourne and BankSA are part of the Westpac group and each supports PayID through its own app. The process is essentially the same, and withdrawals work provided the account is in your own name.
Play within your means. Real-time transfers remove the pause that used to sit between deciding to deposit and the money actually moving. Set a deposit limit in your account settings before your next session and treat it as a hard ceiling rather than a suggestion. Strictly 18+.
iJoker88 provides deposit limits, session reminders, cool-off periods and self-exclusion — see the responsible gambling tools guide for how to switch them on.
Need to talk to someone? Gambling Help Online offers free, confidential support to Australians 24/7 on 1800 858 858, or at gamblinghelponline.org.au.