Domestic and International payments

You can select a link here to see the specific cut-off times for each type of payment.

Domestic payments

See the NAB Connect payment cut-off times for different domestic payments. Please note that public holidays may also affect processing times. Refer to daylight savings and holiday payment processing for more information.

Payment type Cut-off time – Monday to Friday (AEST/AEDT)
Fast No cut-off time, this service is available 24 hours a day, 7 days a week
BPAY 6:00pm
Domestic (overnight) 6:30pm
Domestic (urgent) 3:50pm
Linked Account Transfer (Domestic) No cut-off time, this service is available 24 hours a day, 7 days a week
Linked Account Transfer (Credit cards) 11:59pm
Linked Account Transfer (NAB Business Markets Loan – redraw and repayments) 7:58pm
Direct Credit 6:30pm
Payroll 6:30pm
Executive Payroll 6:30pm
Direct Debit 6:30pm

Please note

  • Payments made after the specified cut-off time will process on the next business day.
  • Linked Account Transfers from or to a NAB Business Markets Loan must be submitted and authorised by 7:58pm (AEST/AEDT) on a business day. 
  • Public holidays may also affect processing times. Refer to daylight savings and holiday payment processing for more information.

BPAY payments

If you make a BPAY payment before the specified cut-off time on a business day, we’ll send the payment details to the biller’s bank on the same day. The biller is required (under BPAY rules) to treat your payment as being received that same day as well.

Payments made after the specified cut-off time will usually be treated as being received by the biller on the next business day. The time that it takes for the biller’s account to be credited will depend on the policy and systems of the biller’s bank.

BPAY payments created after the cut-off time will be processed on a later day. You will simply need to nominate a future business day for the payment to be processed (up to 90 days in advance).

International payments

See the NAB Connect payment cut-off times for international payments.

Cut-off time – Monday to Friday (AEST/AEDT) Country and currency
10:00am Western Samoa Tala
11:00am
  • CFP Francs
  • Fijian Dollars
  • Indonesian Rupiah
  • Philippine Pesos
  • Solomon Islands Dollars
  • Thai Bahts
  • Vanuatu Vatu
12:00pm
  • Japanese Yen
  • Papua New Guinea Kina
  • Singapore Dollars
1:00pm New Zealand Dollars
3:00pm
  • Bahraini Dinars
  • Bangladesh Taka
  • Czech Koruna
  • Indian Rupees
  • Israeli Shekel
  • Jordanian Dinars
  • Kuwaiti Dinars
  • Omani Rial
  • Pakistani Rupees
  • Saudi Arabian Riyals
  • Sri Lankan Rupees
  • United Arab Emirates Dirhams
3:45pm

Australian Dollars 

4:00pm

Chinese Renminbi

5:00pm
  • Canadian Dollars
  • Danish Kroner
  • Euro
  • Hong Kong Dollars
  • Hungarian Forint
  • Kenyan Shillings
  • Mexican Peso
  • Norwegian Kroner
  • Polish Zloty
  • South African Rand
  • Swedish Kronor
  • Swiss Francs
  • United Kingdom Pound Sterling
  • United States Dollars

Please note

  • Payments made after the specified cut-off time will process on the next business day.
  • You can create an international payment after the cut-off time if you’re happy for it to be processed on a later day. You’ll need to nominate a future business day for the payment to be processed (up to 10 days in advance). Keep in mind that international payments using Real Time Rate (RTR) can’t be created after the cut-off time. 
  • Public holidays may also affect processing times. Refer to daylight savings and holiday payment processing for more information.
  • Payments processed before cut-off time will appear on your statement as per the payment value date.
  • Samoa Tala and CFP Francs are manually processed. These payments processed before cut-off time will appear on your statement with the next business day's date.

International payments using refinance

The cut-off times for international payments that have a refinance request will be one hour earlier than the times published for standard international payments. The details of the new cut-off times can be found in this table.

Currency Cut-off time – Monday to Friday (AEST/AEDT)
Australian Dollars 2:45pm
Bahraini Dinars 2:00pm
Bangladesh Taka 2:00pm
Canadian Dollars 4:00pm
CFP Francs 10:00am
Chinese Renminbi 3:00pm
Czech Koruna 2:00pm
Danish Kroner 4:00pm
Euro 4:00pm
Fijian Dollars 10:00am
Hong Kong Dollars 4:00pm
Hungarian Forint 4:00pm
Indian Rupees 2:00pm
Israeli Shekel 2:00pm
Indonesian Rupiah 10:00am
Japanese Yen 11:00am
Jordanian Dinars 2:00pm
Kenyan Shillings 4:00pm
Kuwaiti Dinars 2:00pm
Mexican Peso 4:00pm
Norwegian Kroner 4:00pm
New Zealand Dollars 12:00pm
Omani Rial 2:00pm
Pakistani Rupees 2:00pm
Papua New Guinea Kina 11:00am
Philippine Pesos 10:00am
Polish Zloty 4:00pm
Samoa Tala 9:00am
Saudi Arabian Riyals 2:00pm
Singapore Dollars 11:00am
Solomon Islands Dollars 10:00am
South African Rand 4:00pm
Sri Lankan Rupees 2:00pm
Swedish Kronor 4:00pm
Swiss Francs 4:00pm
Thai Bahts 10:00am
United Arab Emirates Dirhams 2:00pm
United Kingdom Pound Sterling 4:00pm
United States Dollars 4:00pm
Vanuatu Vatu 10:00pm

Please note

  • Payments made after the specified cut-off time will process on the next business day.
  • Payments processed before cut-off time will be appear on your statement as per the payments value date.
  • When ‘Refinance’ is selected as the option to settle an international payment, there’s additional processing required. This requires the international payment request to be created, approved and submitted to NAB one hour earlier than the international payment cut-off times mentioned in the ‘International payments using refinance’ table.
  • Public holidays may also affect processing times. Refer to daylight savings and holiday payment processing for more information.
  • Samoa Tala and CFP Francs are manually processed. These payments processed before cut-off time will appear on your statement with the next business day’s date.

Related guides

See some of our other guides to help you get the most out of NAB Connect.

Contact us for NAB Connect enquiries

Call us

Monday to Friday, 7:30am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 2:00pm (AEST/AEDT)

Within Australia: 1300 888 413

Overseas: +61 3 8641 9930

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