In line with Austrac AML/CTF laws, deposits are only accepted from a bank account that is in the same name as the account you have verified with Coin Harbour Pty Ltd. This service is provided by Coin Harbour Pty Ltd in accordance with our Terms and Conditions and Privacy Policy. Failed deposits will be returned to the source account withing 2 business days. Deposits and Withdraws are done with Osko, which is owned and operated by BPAY, and operates on the New Payments Platform (NPP) as an overlay service. It uses PayID as a reference for payments. Payments are instant to accounts that have been transferred to previously.