Payment Cut Off Times
Payments must be submitted and authorised by the following times on a business day.
Extended cut-off time service is available.
If you are happy for your domestic payment to 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).
You can create an international payment after the cut-off time if you are happy for it to be processed on a later day. You will simply need to nominate a future business day for the payment to be processed (up to 3 days in advance). Please note: International payments using ‘Real Time Rate’ cannot be created after the cut-off time for non efx clients.
Once your international payment is successfully authorised and processed you should allow up to 3 business days for the payment to be received by the beneficiary.
Domestic
Cut off time (Melbourne/Sydney time) | Extended cut off time service (Melbourne/Sydney time) | ||
Fast | Available 24 hours a day, 7 days a week | NA | NA |
BPAY
|
6:00pm | NA | |
Domestic (overnight) | 6:00pm |
6:00pm - 6:30pm | |
Domestic (urgent) | 3:50pm | NA | |
Linked Account Transfer | NAB Business Markets Loan (redraw and repayments) | 7.58pm | NA |
All other linked accounts | 6:30pm | NA | |
Direct Credit | 6:00pm |
6:00pm - 6:30pm | |
Payroll | 6:00pm |
6:00pm - 6:30pm | |
Executive Payroll | 6:00pm |
6:00pm - 6:30pm | |
Direct Debit | 6:00pm |
6:00pm - 6:30pm | |
International
Currency | Melbourne/Sydney Time |
Australian Dollars | 3:45 PM |
Bahraini Dinars | 3:00 PM |
Bangladesh Taka | 3:00 PM |
Canadian Dollars | 5:00 PM |
CFP Francs | 11:00 AM next day |
Chinese Renminbi | 4:00 PM |
Czech Koruna | 3:00 PM |
Danish Kroner | 5:00 PM |
Euro | 5:00 PM |
Fijian Dollars | 11:00 AM |
Hong Kong Dollars | 5:00 PM |
Hungarian Forint | 5:00 PM |
Indian Rupees | 3:00 PM |
Israeli Shekel | 3:00 PM |
Indonesian Rupiah | 11:00 AM |
Japanese Yen | 12:00 PM |
Jordanian Dinars | 3:00 PM |
Kenyan Shillings | 5:00 PM |
Kuwaiti Dinars | 3:00 PM |
Mexican Peso | 5:00 PM |
Norwegian Kroner | 5:00 PM |
New Zealand Dollars | 1:00 PM |
Omani Rial | 3:00 PM |
Pakistani Rupees | 3:00 PM |
Papua New Guinea Kina | 12:00 PM |
Philippine Pesos | 11:00 AM |
Polish Zloty | 5:00 PM |
Samoa Tala | 10:00 AM |
Saudi Arabian Riyals | 3:00 PM |
Singapore Dollars | 12:00 PM |
Solomon Islands Dollars | 11:00 AM |
South African Rand | 5:00 PM |
Sri Lankan Rupees | 3:00 PM |
Swedish Kronor | 5:00 PM |
Swiss Francs | 5:00 PM |
Thai Bahts | 11:00 AM |
United Arab Emirates Dirhams | 3:00 PM |
United Kingdom Pound Sterling | 5:00 PM |
United States Dollars | 5:00 PM |
Vanuatu Vatu | 11:00 AM |