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 Renmimbi | 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 |