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How to make a same Day (RTGS) payment

Need to send money in the same day? Find out how.

The roll-out of the NPP and near real-time payments has replaced the need to send RTGS payments in many cases. Find out more about the NPP.

Step by step guide

Select an existing payee you wish to pay, or create a new payee by clicking Pay new payee  

Pay to

In the Payment details section, enter the payment amount and select ‘Process this as a same day (RTGS) payment and send a longer payee description. A fee of $20 will apply’. Once completed, select Continue.

Please note: this checkbox option will only appear if the payee is with a bank other than Westpac and eliglbe to recieve an RTGS payment. Payees banking with Westpac will automatically receive their payment on the same day.

Process RTGS

Select the account you wish to pay from using the Select an account dropdown menu and enter the amount to be paid, then click Continue.  

To authorise the payment, enter the SMS code sent to your device and select Authorise.

Select an account Payment amount


Useful tips

  • Payment must be created and fully approved before the 3pm (AEST) cut off time
  • If payment attempted after this time then a message will appear advising you the deadline has passed
  • If you are in your Westpac Live Personal Profile – you will need to contact Westpac Live Help Desk – 1300 655 505 to have this feature available
  • If you are in a Business Profile - the Administrator can activate this feature in User Administration > Select User > Accounts
  • Fees apply for Same Day (RTGS) Payments
  • You must have an active Security device
  • There is a maximum daily limit for Same day – RTGS payments that a User can approve.

Read more

How to make international payments

Make an internaional payment in Westpac Live Online Banking.

How to make multiple payments

Pay mutiple payees at once in Westpac Live Online Banking

What is the NPP?

The New Payments Platform (NPP) is a centralised platform that facilitates real-time clearing and settlements of payments between participating Australian financial institutions.