International payments run on a T+2 business day timeline — funds typically reach your payee two business days after you authorise the payment, provided you authorise before the daily cut-off.
Payments authorised after 6pm, on weekends, or on national or NSW banking holidays will be processed the next business day — starting the T+2 timeline from that point.
Recommended payment timing
To make sure your international bills arrive on time, authorise payments at least 3 business days before the due date. This builds in a buffer for currency conversion and international banking network delays.
Processing timelines
| Payment type | Processing time | Cut-off |
|---|---|---|
| All international payments | 2 business days | 6pm AEST/AEDT (Sydney/Melbourne), Mon–Fri |
Processing times are the same regardless of your payment method.
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.