Understanding the status of your transfer or payment instruction

This table explains each of the statuses you may see in your bill payment and funds transfer lists.

Type of status Description of the status Actions available when payment instruction displays this status

Bank to Action

 

 This indicates NAB was unable to process your instruction at the due time and will re-submit the payment request automatically None

Bank to Represent

 

This indicates NAB:

  • was unable to process your instruction due to insufficient funds in the nominated From account
  • will re-submit your instruction for processing on the next Melbourne business day at the Representment cut-off time*
    Note: If the payment fails again it will revert to a status of Rejected
 Modify or cancel up until the Representment cut-off time*
Cancelled This indicates the payment or transfer instruction was cancelled prior to the due date or final date by you None

Cancelled by Bank

 

 This indicates the payment or transfer instruction was cancelled prior to the due date or final date by NAB None
Expired This indicates the last payment or transfer has been initiated (relates to periodic instructions) None
Failed

This indicates NAB has rejected your instruction

Note: The reason for the failed payment is displayed on the payment details screen

 Re-submit the instruction to NAB

Cancelled by Bank

 

 This indicates the payment or transfer instruction was cancelled prior to the due date or final date by NAB None

Future Dated

 NAB has received an instruction from you to debit funds from your nominated account on a date in the future specified by you Modify or cancel up until the cut-off time*on the due date

Paid

 

This indicates either the date on which NAB:

  • received a bill payment or funds transfer instruction from you, or

processed the instruction and debited the funds from your nominated account

 None

Pending

 

This indicates a payment is awaiting approval

 Approvers can approve or cancel the payment
Periodic NAB has received an instruction from you to debit funds from the selected account on a reoccurring date as specified by you Modify or cancel up until the cut-off time* on the due date
Processing This is an intermediary status which may display while the instruction is being processed on the due date None

*Representment cut-off time is 6.00am (Melbourne local time) on the following business day. NAB will attempt to reprocess payment(s) that have failed on the previous day due to insufficient funds