What are the payment processing cut-off times?
When your payment is processed depends on when and how it was sent.
Osko® payments to participating Australian banks are received within a minute (or may take longer), anytime day or night, even on weekends.
Pay Anyone – Westpac
Pay Anyone payments to an existing Westpac payee are received the same day, even on non-banking days. The funds are available immediately, but might not be included in the account balance until the next banking day.
Pay Anyone – Other banks
Pay Anyone payments made before 6pm (Sydney time) on a banking day are received the next banking day. Pay Anyone payments made after 6pm (Sydney time) on a banking day or non-banking day are received on the second banking day.1
BPAY® payments made before 6pm (Sydney time) on a banking day are received the same day. BPAY® payments made after 6pm (Sydney time) on a banking day or non-banking day are received on the next banking day.2
Funds transfers are received immediately, even on non-banking days, but appear on your statement as the next banking day. The exception is BT Invest and BT Panorama accounts. Transfers to BT Invest and BT Panorama accounts may take up to 3 Banking Days to appear in your account.
Note: Make sure you have sufficient cleared funds on the day your payment is due to be processed. If a payment is rejected, it will appear in your Payments list with a rejected status. You can also check the status of future-dated payments here.
- Times given are indicative and may vary depending on the other financial institution.
- This is the day the payment is recorded by the Biller, but may not actually be received by them on this day.