NAB Connect payments | Daylight saving and public holidays - NAB
Why follow this guide?
- To understand how cut-off times are impacted by daylight saving.
- To view the domestic and international public holidays that will impact payment processing.
Daylight saving dates
NAB Connect cut-off times are based on Melbourne and Sydney local times (AEDT/AEST). As these time zones transition between AEDT and AEST, payment cut-off times will also transition accordingly.
Daylight saving will end in the early hours of Sunday 5 April 2026 in the Australian Capital Territory, New South Wales, South Australia, Tasmania and Victoria.
For customers in the Northern Territory, Queensland and Western Australia, the payment cut-off times for the processing of domestic, international, BPAY®, direct credit, direct debit and payroll payments will be one hour earlier from Monday 6 April 2026.
Public holiday information
All payments, except for those mentioned in the table, will be processed as normal. However, payments may not be processed where there are insufficient funds in your account or limits are exceeded.
To ensure beneficiaries receive their funds on the nominated date of payment:
- Submit and authorise your payments early. Ensure your payments have been submitted and are fully authorised in advance.
- Future date your payments. BPAY, Fast payments, direct credit, direct debit, domestic and payroll payments can be submitted up to 90 days in advance. International 'Bank to convert', ’NFCA’ and ‘FX deal’ payments can be submitted up to 10 business days in advance. Please note that this is dependent on the rate source used.
| Date | Public holiday | Payment processing information |
|---|---|---|
Thursday, 25 December 2025 | Public holiday Christmas Day (National) | Payment processing information
|
Friday, 26 December 2025 | Public holiday Boxing Day (National) | Payment processing information
|
Thursday, 1 January 2026 | Public holiday New Year’s Day (National) | Payment processing information
|
Monday, 19 January 2026 | Public holiday Birthday of Martin Luther King Jr. (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 19 January 2026 will be processed as scheduled. |
Monday, 26 January 2026 | Public holiday Australia Day (National) | Payment processing information
|
Monday, 16 February 2026 | Public holiday Washington's Birthday/ President's Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 16 February 2026 will be processed as scheduled. |
Monday, 2 March 2026 | Public holiday Labour Day (WA) | Payment processing information No export international trade service for Western Australian customers. |
Monday, 9 March 2026 | Public holiday Adelaide Cup Day (SA) Canberra Day (ACT) Eight Hours Day (TAS) Labour Day (VIC) | Payment processing information
|
Friday, 3 April 2026 | Public holiday Good Friday (National) | Payment processing information
|
Monday, 6 April 2026 | Public holiday Easter Monday (National) | Payment processing information
|
Tuesday, 7 April 2026 | Public holiday Easter Tuesday (TAS) | Payment processing information All payments, including Trade Finance and Stop cheque requests, sent this Tasmanian only public holiday will be processed as normal. |
Monday, 27 April 2026 | Public holiday ANZAC Day (WA) - observed | Payment processing information
|
Monday, 4 May 2026 | Public holiday Labour Day (QLD) May Day (NT) | Payment processing information No export international trade service will be available for Queensland customers on this date. |
Monday, 25 May 2026 | Public holiday Memorial Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 25 May 2026 will be processed as scheduled. |
Monday, 1 June 2026 | Public holiday Western Australia Day (WA) | Payment processing information No export international trade service for Western Australian customers. |
Monday, 1 June 2026 | Public holiday Reconciliation Day (ACT) | Payment processing information All payments will be processed as normal. |
Monday, 8 June 2026 | Public holiday King's Birthday (VIC, NSW, ACT, NT, SA, TAS) | Payment processing information
|
Friday, 19 June 2026 | Public holiday Junteenth National Independence Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 19 June 2026 will be processed as scheduled. |
Friday, 3 July 2026 | Public holiday Independence Day (USA) - observed | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 3 July 2026 will be processed as scheduled. |
Monday, 3 August 2026 | Public holiday Picnic Day (NT) Bank Holiday (NSW) | Payment processing information
|
Wednesday, 12 August 2026 | Public holiday Royal Brisbane Show - Brisbane area only (QLD) | Payment processing information
|
Monday, 7 September 2026 | Public holiday Labor Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 7 September 2026 will be processed as scheduled. |
Friday, 25 September 2026 (TBC) | Public holiday Friday before AFL Grand Final (VIC) | Payment processing information
|
Monday, 28 September 2026 | Public holiday King's Birthday (WA) | Payment processing information
|
Monday, 5 October 2026 | Public holiday King's Birthday (QLD) Labour Day (NSW, ACT, SA) | Payment processing information
|
Monday, 12 October 2026 | Public holiday Columbus Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 12 October 2026 will be processed as scheduled. |
Tuesday, 3 November 2026 | Public holiday Melbourne Cup (VIC) | Payment processing information
|
Wednesday, 11 November 2026 | Public holiday Veterans Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 11 November 2026 will be processed as scheduled. |
Thursday, 26 November 2026 | Public holiday Thanksgiving Day (USA) | Payment processing information The following will not be processed:
Payments with an existing booked FX deal dated for 26 November 2026 will be processed as scheduled. |
Friday, 25 December 2026 | Public holiday Christmas Day (National) | Payment processing information
|
Monday, 28 December 2026 | Public holiday Boxing Day (National) -observed | Payment processing information
|
Friday, 1 January 2027 | Public holiday New Year’s Day (National) | Payment processing information
|
NAB Connect Fees and Charges Schedule
See the fees and charges associated with a NAB Connect facility.
Related guides
See some of our other guides to help you get the most out of NAB Connect.
Payment cut-off times
Read our NAB Connect payment processing information and cut-off times.
Create urgent domestic payments
Use our guide to make an urgent payment in NAB Connect.
Create a Pay Anyone (Domestic) payment
Learn how to create a domestic payment in NAB Connect.
Contact us for NAB Connect enquiries
Call us
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Saturday, 9:00am to 2:00pm (AEST/AEDT)
Within Australia: 1300 888 413
Overseas: +61 3 8641 9930
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