Top up free. Via the rails your bank already uses.

Why PayID, and why not card?

Most "neobank" top-ups happen via debit card, which sounds simple — until you realise the card networks (Visa, Mastercard) take a 1-2% interchange fee on every load. Apps either eat that loss (bleeding cash) or pass it to you ("just a small loading fee").

PayID is different. It's the Australian banking system's instant transfer rail — the same one that powers Osko. It costs the bank effectively nothing to settle, runs 24/7, and clears in under 5 seconds. So we use it, and pass that zero cost back to you.

How it works

1. Link once. The first time you top up, we provision a unique PayID for your Sorted account. Add it to your bank app's payee list.
2. Send any amount. Open your bank app, transfer AUD to your Sorted PayID. PayID clears the bank-side leg in seconds.
3. Lands as AUDD. The moment your bank confirms, we mint the equivalent AUDD into your Sorted balance. Ready to send, ready to tap.

If your bank supports PayID (every major Australian bank does), top-ups feel like internal transfers — because mechanically, that's what they are.

Top-up limits

• $0 minimum. Top up a dollar if you want.
• $10,000 a day at Tier 1. $50,000 a day with Tier 2 verification. Higher on request.
• $0 fee. Always. Top-up is a cost centre for us, not a revenue stream.

Cashing out

Same rail, opposite direction. Tap "withdraw", choose your linked bank account, lands in seconds. Same daily limits as top-ups. No fee. No three-day "cooling off" hold.