Bill payment and funds transfer statuses

The following statuses may be applied to bill payments and funds transfers.

Status	Payment/ Transfer type	Modify/ Cancel	Comments
Paid	One off, future dated or periodic transfer	No	Payment was successfully made on the due date.
Paid	One off multiple funds transfer	No	Payment was successfully made on the due date.
Rejected	One off, future dated or periodic transfer	No	Payment was rejected. You will be advised within the payment details screen of the reason for the rejection.
Rejected	One off multiple funds transfer	No
Expired	Periodic transfer	No	After the last payment or transfer has been initiated, the periodic payment is set to Expired.
Cancelled	Future dated or periodic transfer	No	You have successfully cancelled the payment prior to the payment due date or final date.
Cancelled by Bank	Future dated or periodic transfer	No	The NAB has successfully cancelled the payment on your behalf.
Future Dated	Future dated transfer	Yes, until cut off time on due date	Payment has been created and stored for payment on the due date.
Periodic	Periodic transfer	Yes, until cut off time on due date	An instruction has been created and stored to initiate payments on the due dates.
Bank to Action	Future dated or periodic transfer	No	No action required, the NAB will re-submit the payment. The NAB was unable to process the payment at the due time.
Bank to Represent	Future dated or periodic transfer	Yes, until Bank to Represent cut off time#	Payment failed on due date due to insufficient funds in the account. Payment will be re-submitted by NAB the next day, for processing at the Representment time¹. If the payment fails again due to insufficient funds the payment will be Rejected. You may modify or delete this payment up until the Representment cut off time².
Processing	One off, future dated or periodic transfer	No	This is an intermediary status. This status may display at the processing time on the due date of a payment.
Processing	One off multiple funds transfer	No

¹Representment time: This is a pre-defined time (6:00am Melbourne time) when the NAB will reprocess your future dated or periodic payment(s) that have failed on the previous day due to insufficient funds.

²Bank to Represent cut off time: You can modify or cancel a payment with a status of Bank to Represent up until the cut off time of 6:00am (Melbourne time) the next day. Amendments and cancellations will not be allowed after this time.

© National Australia Bank Limited. Use of the information contained on this page is governed by Australian law and is subject to the disclaimers which can be read on the disclaimer page. View the NAB privacy policy.