Major Australian billers that take BPAY
A list of big-name energy retailers, water utilities, telcos, councils, state rego agencies, insurers and strata managers whose own websites list BPAY as a way to pay. Find the biller code on your bill: it can differ by account, state or product.
Card The Bill is an independent guide. We're not affiliated with, or endorsed by, Sniip, pay.com.au, B2Bpay or any biller named here. We may receive a referral reward from providers we link to. Fees apply and are shown by the provider before you pay.
How we built this list: we only include a biller if its own payment page listed BPAY when we checked on 9 Oct 2026, and each one links to that page. Being on this list doesn't mean the biller works with any particular payment service. Banks and lenders are listed separately because Sniip can't pay them.
Energy (electricity and gas)
| Biller | What its own page says | Source |
|---|---|---|
| AGL | Lists BPAY. The biller code depends on your account and is on the front of your bill. | Official page (opens in a new tab) |
| Origin Energy | Lists BPAY for electricity and natural gas accounts. | Official page (opens in a new tab) |
| EnergyAustralia | Lists BPAY. Your biller code is on your latest bill. | Official page (opens in a new tab) |
| Alinta Energy | Lists BPAY for gas and electricity. | Official page (opens in a new tab) |
| Lumo Energy | Lists BPAY. Your reference is on page 2 of your bill. | Official page (opens in a new tab) |
| Momentum Energy | Lists BPAY details on your bills. | Official page (opens in a new tab) |
| Ergon Energy (regional Queensland) | Lists BPAY. | Official page (opens in a new tab) |
| Aurora Energy (Tasmania) | Lists BPAY, including regular payments set up in internet banking. | Official page (opens in a new tab) |
| ActewAGL (ACT) | Lists BPAY. | Official page (opens in a new tab) |
Not listed yet: Red Energy, Simply Energy (ENGIE) and Synergy. Their sites blocked our check on 9 Oct 2026, so we couldn't confirm BPAY from their own pages. Check your bill.
Water
| Biller | What its own page says | Source |
|---|---|---|
| Sydney Water | Lists BPAY. | Official page (opens in a new tab) |
| Urban Utilities (South East Queensland) | Lists BPAY through telephone and internet banking. | Official page (opens in a new tab) |
| Yarra Valley Water | Lists BPAY. Look for the BPAY logo on your bill. | Official page (opens in a new tab) |
| South East Water | Lists BPAY, up to $20,000 through internet banking. | Official page (opens in a new tab) |
| SA Water | Lists BPAY. | Official page (opens in a new tab) |
| Water Corporation (WA) | Lists BPAY. | Official page (opens in a new tab) |
| Hunter Water | Lists BPAY using the BPAY details on your bill. | Official page (opens in a new tab) |
| Icon Water (ACT) | Lists BPAY. | Official page (opens in a new tab) |
Phone and internet
| Biller | What its own page says | Source |
|---|---|---|
| Telstra | Lists BPAY, and notes the biller code may have changed, so check your latest bill. | Official page (opens in a new tab) |
| Optus | Lists BPAY. Your account number is the reference. | Official page (opens in a new tab) |
| Vodafone | Lists BPAY, which can take 2 to 3 business days to process. | Official page (opens in a new tab) |
| Aussie Broadband | BPAY is available on request, with a card or direct debit kept on file as backup. | Official page (opens in a new tab) |
TPG and iiNet: the help pages we checked list card and direct debit, not BPAY. Pay them directly by card, since there's no surcharge on eftpos, Mastercard or Visa.
Councils (rates)
| Biller | What its own page says | Source |
|---|---|---|
| Brisbane City Council | Lists BPAY with the Customer Reference Number on your rates notice. | Official page (opens in a new tab) |
| City of Gold Coast | Lists BPAY for rates and water bills. | Official page (opens in a new tab) |
| City of Moreton Bay | Lists BPAY. | Official page (opens in a new tab) |
| City of Sydney | Lists BPAY. Your reference is on your rates notice. | Official page (opens in a new tab) |
| City of Melbourne | Lists BPAY. | Official page (opens in a new tab) |
| City of Perth | Lists BPAY and BPAY View. | Official page (opens in a new tab) |
Most councils print BPAY details on the rates notice. See our council rates guide.
State rego and transport
| Biller | What its own page says | Source |
|---|---|---|
| Queensland (Transport and Main Roads) | Lists BPAY for registration renewals. | Official page (opens in a new tab) |
| New South Wales (Service NSW) | Lists BPAY, which takes 2 or 3 business days to process. | Official page (opens in a new tab) |
| Victoria (VicRoads) | Lists BPAY, with details on your renewal notice. | Official page (opens in a new tab) |
| Western Australia (Transport WA) | Lists BPay for vehicle licence (rego) renewal. | Official page (opens in a new tab) |
| Tasmania (Transport Services) | Lists BPAY with your payment number. | Official page (opens in a new tab) |
| ACT (Access Canberra) | Lists BPAY on your renewal reminder. | Official page (opens in a new tab) |
| Northern Territory (MVR) | Gives a single-use BPAY reference at the end of an MVR Quickpay renewal. | Official page (opens in a new tab) |
South Australia: not checked, because sa.gov.au blocked our check on 9 Oct 2026. See our car rego guide.
Australian Taxation Office
| Biller | What its own page says | Source |
|---|---|---|
| ATO | Lists BPAY. The ATO publishes its biller code, 75556, on this page, and your PRN is the reference. | Official page (opens in a new tab) |
See our ATO guide for paying tax by card.
Insurers
| Biller | What its own page says | Source |
|---|---|---|
| NRMA Insurance | Lists BPAY for car, home, motorcycle, boat, caravan and business insurance, but not CTP Green Slips. | Official page (opens in a new tab) |
| Medibank | Lists BPAY for health insurance premiums. | Official page (opens in a new tab) |
| nib | Lists BPAY for health insurance premiums. | Official page (opens in a new tab) |
Strata managers
| Biller | What its own page says | Source |
|---|---|---|
| Netstrata | Lists BPAY through DEFT, using the DEFT reference on your levy notice. | Official page (opens in a new tab) |
| Bright & Duggan | Says BPAY and direct debit stay available where schemes stopped taking credit cards. | Official page (opens in a new tab) |
| Schemes using StrataPay (PICA Group) | Lists BPAY among the alternatives where card payments are no longer available. | Official page (opens in a new tab) |
See our strata levies guide.
Banks and credit cards
Sniip can't pay these. Sniip's terms list banking and financial institutions, pay-day lenders, and hiring and leasing as prohibited payments. That means car loans, home loans, personal loans and credit card repayments can't go through Sniip, even though these lenders have BPAY biller codes. They're listed here so you know which BPAY billers to leave out. Paying one credit card with another is also often treated as a cash advance, or not allowed.
| Biller | What its own page says | Source |
|---|---|---|
| CommBank | Credit card repayments from another bank by BPAY. | Official page (opens in a new tab) |
| ANZ | Credit card repayments from a non-ANZ account by BPAY. | Official page (opens in a new tab) |
| NAB | Credit card repayments by BPAY if you don't have a NAB account. | Official page (opens in a new tab) |
| Westpac | Credit card repayments by BPAY. | Official page (opens in a new tab) |
Finance and car loans
| Biller | What its own page says | Source |
|---|---|---|
| Latitude Financial | Card repayments by BPAY. Latitude lists a $1.95 fee for paying online by BPAY. | Official page (opens in a new tab) |
| Toyota Finance | Extra car loan payments by BPAY or EFT. A $1.50 BPAY fee applies to some loans. | Official page (opens in a new tab) |
Not every lender takes BPAY. For example, Macquarie says extra car loan repayments must be made by EFT.
Frequently asked questions
Where do I find a biller's BPAY biller code?
On your bill, next to the BPAY logo, with your own customer reference number. Codes can differ by product, state or account and can change, so always use the details on your latest bill. Apart from the ATO's published code, we don't list biller codes here.
Can I pay these billers by credit card?
Many take cards directly, and since 1 October 2026 there's no surcharge on eftpos, Mastercard or Visa. If a biller doesn't take your card, a service such as Sniip can pay its BPAY details for a fee. The exceptions are banks, lenders and leasing companies, which Sniip's terms don't allow.
Can I pay my car loan or credit card through Sniip?
No. Sniip's terms list banking and financial institutions, pay-day lenders, and hiring and leasing as prohibited payments, so these repayments can't go through Sniip, even though the lenders have BPAY codes.
Why isn't my biller listed?
We only list a biller after confirming BPAY on its own website, and we only cover major billers. Your bill is the best guide: if it shows a BPAY logo with a biller code, it takes BPAY. Email hello@cardthebill.com.au to suggest a biller.
Sources
Each biller checked on its own website on 9 Oct 2026. Payment options change, so check your bill before you pay.
- AGL: payment options (opens in a new tab)
- Origin Energy: payment options (opens in a new tab)
- EnergyAustralia: payment options (opens in a new tab)
- Alinta Energy: payment options (opens in a new tab)
- Lumo Energy: payment options (opens in a new tab)
- Momentum Energy: payment options (opens in a new tab)
- Ergon Energy (regional Queensland): payment options (opens in a new tab)
- Aurora Energy (Tasmania): payment options (opens in a new tab)
- ActewAGL (ACT): payment options (opens in a new tab)
- Sydney Water: payment options (opens in a new tab)
- Urban Utilities (South East Queensland): payment options (opens in a new tab)
- Yarra Valley Water: payment options (opens in a new tab)
- South East Water: payment options (opens in a new tab)
- SA Water: payment options (opens in a new tab)
- Water Corporation (WA): payment options (opens in a new tab)
- Hunter Water: payment options (opens in a new tab)
- Icon Water (ACT): payment options (opens in a new tab)
- Telstra: payment options (opens in a new tab)
- Optus: payment options (opens in a new tab)
- Vodafone: payment options (opens in a new tab)
- Aussie Broadband: payment options (opens in a new tab)
- Brisbane City Council: payment options (opens in a new tab)
- City of Gold Coast: payment options (opens in a new tab)
- City of Moreton Bay: payment options (opens in a new tab)
- City of Sydney: payment options (opens in a new tab)
- City of Melbourne: payment options (opens in a new tab)
- City of Perth: payment options (opens in a new tab)
- Queensland (Transport and Main Roads): payment options (opens in a new tab)
- New South Wales (Service NSW): payment options (opens in a new tab)
- Victoria (VicRoads): payment options (opens in a new tab)
- Western Australia (Transport WA): payment options (opens in a new tab)
- Tasmania (Transport Services): payment options (opens in a new tab)
- ACT (Access Canberra): payment options (opens in a new tab)
- Northern Territory (MVR): payment options (opens in a new tab)
- ATO: payment options (opens in a new tab)
- NRMA Insurance: payment options (opens in a new tab)
- Medibank: payment options (opens in a new tab)
- nib: payment options (opens in a new tab)
- Netstrata: payment options (opens in a new tab)
- Bright & Duggan: payment options (opens in a new tab)
- Schemes using StrataPay (PICA Group): payment options (opens in a new tab)
- CommBank: payment options (opens in a new tab)
- ANZ: payment options (opens in a new tab)
- NAB: payment options (opens in a new tab)
- Westpac: payment options (opens in a new tab)
- Latitude Financial: payment options (opens in a new tab)
- Toyota Finance: payment options (opens in a new tab)
- Macquarie: Manage your car loan repayments (opens in a new tab)
- Sniip: Terms and conditions (Prohibited Payments) (opens in a new tab)
- Sniip: What bills can I pay? (opens in a new tab)
This is general information only, not financial or tax advice. It doesn't consider your objectives, financial situation or needs. Check your card's terms and the biller's current payment options before you pay.