Why follow this guide?
- To view the latest time a payment needs to be authorised by to be sent for processing on the same business day.
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).
| Cut-off time – Monday to Friday (AEST/AEDT) | Currency |
|---|---|
| 10:00am | Western Samoa Tala |
| 11:00am |
|
| 12:00pm |
|
| 1:00pm | New Zealand Dollars |
| 3:00pm |
|
| 3:45pm | Australian Dollars |
| 4:00pm | Chinese Renminbi |
| 5:00pm |
|
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.
| 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.
Daylight savings and public holiday payment processing
Check out our daylight savings and public holiday payment processing guide for NAB Connect.
Refinance an international payment
Use our guide to refinance an international payment in NAB Connect.
Create urgent domestic payments
Use our guide to make an urgent payment in 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
Important information
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BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.