Domestic and International payments

You can select a link here to see the specific cut-off times for each type of payment.

Domestic payments

See the payment cut-off times for different domestic payments.

Payment type Cut-off time – Monday to Friday (AEST/AEDT)
BPAY Batch 6:00pm
RTGS (Real time gross settlement) 3:50pm
Direct Credit 6:30pm
Direct Debit 6:30pm

Please note

  • All payments (excluding RTGS) made after the specified cut-off time will process on the next business day.
  • RTGS payments made after the specified cut-off time will need to be re-submitted with the next business day's date. Post and future dated RTGS payments are not supported.
  • Public holidays may also affect processing times. Refer to daylight savings and holiday payment processing for more information.

BPAY payments

If you submit a BPAY Batch 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 Batch payments submitted 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).

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International payments

See the payment cut-off times for international payments.

Cut-off time – Monday to Friday (AEST/AEDT) Country and currency
10:00am Western Samoa Tala
11:00am
  • CFP Francs
  • Fijian Dollars
  • Indonesian Rupiah
  • Philippine Pesos
  • Solomon Islands Dollars
  • Thai Bahts
  • Vanuatu Vatu
12:00pm
  • Japanese Yen
  • Papua New Guinea Kina
  • Singapore Dollars
1:00pm New Zealand Dollars
3:00pm
  • Bahraini Dinars
  • Bangladesh Taka
  • Czech Koruna
  • Indian Rupees
  • Israeli Shekel
  • Jordanian Dinars
  • Kuwaiti Dinars
  • Omani Rial
  • Pakistani Rupees
  • Saudi Arabian Riyals
  • Sri Lankan Rupees
  • United Arab Emirates Dirhams
3:45pm

Australian Dollars 
4:00pm

Chinese Renminbi
5:00pm
  • Canadian Dollars
  • Danish Kroner
  • Euro
  • Hong Kong Dollars
  • Hungarian Forint
  • Kenyan Shillings
  • Mexican Peso
  • Norwegian Kroner
  • Polish Zloty
  • South African Rand
  • Swedish Kronor
  • Swiss Francs
  • United Kingdom Pound Sterling
  • United States Dollars

Please note

  • Payments made after the specified cut-off time will process on the next business day.
  • You can submit 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).
  • 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.
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Related guides

Find a missing payment or payment Acknowledgement in NAB Direct Link

See how to find missing payments or acknowledgements in NAB Direct Link.

How to fix payment file errors in NAB Direct Link

Learn how to fix the common payment file errors that can occur in NAB Direct Link.

Contact us for NAB Direct Link enquiries

Speak to someone for help with NAB Direct Link.

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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