If you're looking to pay a bill or transfer money to an account within Australia or overseas, you should be aware of certain cut-off times.
Payments submitted before the cut-off times below will be processed on the same business day. Payments made after the cut-off times on a business day, on weekends or on a public holiday will be processed on the next business day.
|Payment scenario||Payment types||Cut-off time (AWST)*||Funds available in recipient's account|
|Transfer money between your Bankwest accounts||Internal Transfer, Linked Account transfer||8:00pm||Immediately|
|Make a credit card or loan repayment between your Bankwest accounts||Internal Transfer, Linked Account transfer||8:00pm||Immediately|
|Send money to another Bankwest account||Pay AnyBody
||8:00pm||Same business day|
|Transfer money between your linked account at another bank||Linked Account Transfer||3:00pm||Within 3 business days|
|Send money to an account at another Australian bank||Pay AnyBody||3:00pm||Within 3 business days|
|Pay your bills via BPAY®||BPAY||4:00pm^||Within 3 business days|
|Send money overseas||International Transfer||5:00pm||3 – 5 business days|
* Your statements will show the transaction occurring on the next business day if made after 8pm AWST on a business day, on weekends or on a public holiday.
^ BPAY® Payments made before cut-off time are acknowledged as ‘paid’ by the biller on the business day the payment is made. However, the funds may not be available in the biller’s account for up to 3 business days.
International Transfers and Real Time Gross Settlements must be made in store and received by the back office by the following cut off times to ensure they are processed the same day. Payment requests received after these times will be processed the following business day.
NOTE: Times below are subject to change depending on Daylight Savings, AEST.
|Payment types||Cut-off time (AWST)*||Funds available in recipient's account|
|Real Time Gross Settlements||12:15pm||Same business day|
|International Transfer||1:45pm (previous business day)||Japanese Yen
|3 – 5 business days|
|1:45pm (previous business day)||Singapore Dollar (SGD) S$|
|1:45pm (previous business day)||Hong Kong Dollar (HKD) HK$|
|8:15am||Papua New Guinea Kina (PGK) K|
|8:15am||New Zealand Dollar (NZD) $|
|12:15pm||Australian Dollar (AUD) $|
|1:45pm||All other currencies|
* Your statements will show the transaction occurring on the next business day if made after 8pm AWST, on weekends or on a public holiday.
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