Payment cut-off times

Domestic and International payments

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

• Domestic payments
• International payments
• International payment using refinance

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.

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).

International payments using refinance

The cut-off times for international payments that have a refinance request will be one hour earlier than the times published for standard international payments. The details of the new cut-off times can be found in this table.