International Payments
International payments no longer use a fixed two business day timeline. For each payment, we show an estimated remittance date range. This is the period in which we expect to send your payment on to your payee. The range depends on the currency, your payment method, the day and time you authorise, and public holidays.
This is an estimate, not a guarantee
Your payee's bank can add time. A later date than you saw before does not mean we process payments more slowly. The date is now more specific to your payment. A payment can also arrive before the range starts.
Payments made before 28 October 2026
International payments made before 28 October 2026 and still in processing keep their original estimated date. The date range applies to payments made after 28 October 2026.
Daily cut-off: 5:45pm AEST/AEDT (Sydney/Melbourne), Monday to Friday
Payments authorised after 5:45pm, on weekends, or on national or NSW banking holidays are processed the next business day. The estimated date range counts from that day.
What affects your estimated date
| Factor | How it affects your date |
|---|---|
| Currency | Some currencies take longer to reach the destination bank. Slower currencies, for example PHP, THB and INR, often show later dates than faster currencies, for example USD and NZD. |
| Payment method | We collect funds from cards faster than from bank account and PayTo payments. |
| Day and time you authorise | We collect funds only on business days. Payments authorised Thursday to Sunday usually take longer than payments authorised Monday to Wednesday. |
| Public holidays | A public holiday in the destination country, or in the US, can add a day. |
Recommended payment timing
Authorise payments at least 3 business days before the due date. This gives time for currency conversion and international banking delays. For slower currencies, allow more time. Check the estimated date range when you create the payment.
If your payment has not arrived by the end of the range
Copy the UETR from Payment details and track the payment on a public UETR tracking tool. If you need more help, contact support.
Track your international payment step by step
You can see more information about the status of your international payment in the Updates tab. Click any transaction row to open the drawer, then select Updates.
For international payments, the timeline includes a step showing when your payment has been sent to SendFX (our FX partner) for currency conversion, along with the amount converted and the destination currency. Both the AUD amount charged and the foreign currency amount are shown throughout the timeline.
Track your payment with a UETR
After we remit your payment, its UETR (Unique End-to-end Transaction Reference) shows in Payments > Outgoing transactions > Details > Payment details. We also include it in the remittance email to your payee. You and your payee can use it to follow the payment on a public UETR tracking tool.
- The UETR shows only after the payment is remitted.
- If you made the payment before 28 October 2026 and we have not yet remitted it, the UETR shows after we remit it. We do not add a UETR to payments we remitted before that date.
- Domestic payments do not have a UETR.
Learn how to track an international payment with a UETR.
Currency conversion and banking considerations
- Exchange rates are locked in at the time of payment authorisation.
- Some receiving banks or intermediary banks may apply additional fees or delays depending on the destination country and currency.
- Local banking holidays in the destination country can extend delivery timelines.
Remittance and payment status
Once your payment has been remitted, a remittance advice is automatically emailed to your payee if an email address is saved in their payee profile. You can also track the payment's progress under Payment History.
For details on remittance advice timing, see this article.