Make a One-off Payment

A One–off Payment is a one–time payment and is your online alternative for cash or cheques. You can make a One-off Payment to any company or person with a bank account in New Zealand. All you need is the name and account number of whom you want to pay.

Follow our simple step-by-step guide to making a one-off payment or  print this guide and read it later.

Step 1 Getting started

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When you log in to Online Banking you'll arrive at a page showing your account balances. From the options at the top of the page click on the Payments menu and select One-off Payments.

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Step 2 Select the account you want to make a payment from

You'll arrive at the One-off Payment screen.

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Select the account you want to make a payment from by clicking in the small circle on the left. If you only have one account set up for Online Banking it will be selected automatically.

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After selecting the account you want to make a payment from click on Make a payment.

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Step 3 Fill in your payment and statement details

Statement Details are a great way for both parties to keep track of payments. You can enter information that will appear on the statement of the company or person you're paying, so they know the payment is from you.

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Payment Details are the details of the person or company you are making a one-off payment to, including their name, bank account number, the amount you will be putting into their account, and the payment date which can be any business day in the next 90 days.

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Statement Details can be used to provide meaningful information on your statement and the recipient’s (payee) statement. You should put information in these fields that will help you, and the payee, identify the transaction in the future. Each field is limited to 12 characters.

You don't have to enter statement details but it helps both parties keep track of payments.

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When you have entered all the payment and statement details click Next at the bottom of the screen.

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Step 4 Do a final check

Next you'll be asked to confirm the details you entered on the previous screen. It's important to carefully check all details are correct – especially the account number.

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When you're sure the details are correct click Confirm & pay at the bottom of the screen.

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If you need to change anything, click the Payment details button and you'll be taken back to the previous screen.

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Step 5 Get confirmation

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All done! You'll get a message on the screen saying your One-off Payment has been successfully created. You can create another transaction, check your account balances or log off if you're finished.

Now you've seen how simple it is, have a go at learning how to set up a New Bill Payment or create an Automatic Payment.

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What is the difference between One–off Payments and bill payments?

A One–off Payment is to someone you don’t pay on a regular basis, often replacing the need to use cash or cheques. One–off Payments can be set up, up to 90 days in advance. The recipient's (payee) details, such as name and bank account number, are not stored in Online Banking for you to use again.

With Bill Payments your payee details are stored in Online Banking for you to re-use. Multiple Bill Payments can be setup with differing due dates and amounts and can be set up, up to 90 days in advance.

How many digits do I need to enter for bank, branch, account number and suffix?

Generally, bank account numbers are made up of bank (2 digits), branch (4 digits), account number (up to 7 digits) and suffix (2 or 3 digits). For example: 06-0501-0123456-00.

What information do I need to put in the Particulars, Code and Reference fields for One–off Payments?

This information helps you and the person you are paying to identify the payment. You don't have to use all of the fields and you may choose to leave some blank.

For example, if you were paying back your friend for some movie tickets you could enter:

  • in the Particulars field - 'Movie tickets'
  • in the Code field – 'From Sam'
  • in the Reference field - 'Thank you'

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