Help CentreInternational payments are processed on a T+2 business day timeline, meaning funds are typically received by your payee two business days after payment authorisation, provided the payment is authorised before the daily cut-off time of 6pm AET.
To ensure timely delivery of international payments and avoid unnecessary delays, please review the processing timelines and cut-off requirements below.
Recommended Payment Timing
To guarantee your international bills are paid on time, we recommend that you authorise payments at least 3 business days (by 6pm AET) before the payment due date. This allows time for processing and any potential delays due to currency conversion or international banking networks.
Payment Processing Timelines
Payment processing times are the same regardless of the payment method used:
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All International Payments – 2 business days (Authorise prior to 6pm AET Mon–Fri)
Important: Payments authorised after 6pm AET will be processed the next business day. This means delivery to your payee may take an additional business day beyond the standard T+2 timeframe.
Currency Conversion & Banking Considerations
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Exchange rates are locked in at the time of payment authorisation.
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Some receiving banks or intermediary banks may apply additional fees or introduce delays depending on the destination country and currency.
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Payments may be subject to local banking holidays in the destination country, which can extend delivery timelines.
After Hours and Public Holidays
Payments authorised after 6pm AET, on weekends, or on national or NSW banking holidays will be processed on the next business day, starting the T+2 timeline from that point.
Remittance and Payment Status
Once an international payment has been remitted, a remittance advice will be automatically emailed to your payee (if an email address has been provided in their payee profile). You can also monitor the payment’s progress under Payment History.
For details on remittance advice timing, [click here].