Payment processing & cut-off times:
Payment processing and cut-off times vary and are determined by the geography where the payment originated, the payment method type, and the payment currencies.- Multibank Payments - While ANZ Transactive – Global can accept multibank instructions 24/7, payments will be processed according to the processing times of the bank which holds the account.
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Cross-currency Payments - The cut-off time is determined by the currency the payment is being made in. For non-business days, contracts should be booked for the next valid business day. Payments submitted before the cut-off time will be processed with the same value date stamp by the payment clearing bank subject to:
- ANZ receiving the correct payment data,
- The payment does not require manual intervention or repair,
- It passes regulatory requirements, and
- A foreign exchange deal has been booked before the currency cut-off of the earlier currency pair involved.
Value Date:
In ANZ Transactive - Global, the value date will always be a business date*. In the event a payment has missed the payment processing and cut-off time, the payment will automatically move to the next business date. The system intuitively disables non-business value dates, i.e., weekend, public holiday, bank holiday, (unless otherwise stated) or a currency holiday.*Some payment types are processed in near real-time from Monday to Sunday, 24 hours a day, including public holidays. Please refer to the geography and payment types below.
Daylight Savings Time:
Some ANZ locations recognise Daylight Saving Time (DST). The cut-off times will automatically be adjusted in the system.Warning messages:
When attempting to approve a payment that has passed or nearing cut-off, the approver will receive a warning message similar to the below:- "This payment has passed the cut-off time for the Value Date. By proceeding to approve this payment, the Value Date will automatically roll over to the next valid business date."
- "One or more transactions within the batch submitted are approaching cut-off and may not be processed on the selected value date. Processing on selected value date will be on best efforts basis."
Web application
Within the web application, the payment cut-off time is displayed near the value date field in a payment instruction and within the payments grid cut-off time column. The time zone displayed is specific to your User Settings and Preferences.Mobile application
When using the ANZ Transactive - Global mobile app (if available in your geography), the cut-off time is displayed in the payment time zone.Cut-off time screens
Settings and Preferences
Set your time format and time zone from your user profile Settings and Preferences screen.Payment Instructions
View the cut-off time when creating, reviewing and viewing a payment instruction near the Value Date field.Payments Grid
View the cut-off time within the Payments grid from the cut-off time column.Mobile App
View the cut-off time in the ANZ Transactive - Global mobile app from the Payments menu, tap a transaction and view the details tab.Payment method cut-off times by geography
Select the geography where the payment has originated from, then refer to the payment method and the currency of the payment to determine the payment cut-off time.
The times indicated are in the time zone of the geography, e.g., Australia = AEST/ADST (Melbourne/Sydney), China = CST, Singapore = SGT, etc., and displayed in military 24-hour clock format.
Account Transfers
PROCESSING METHOD | CUT-OFF TIME |
Same-border same-currency. Same day real-time processing, 24/7 | 23:59 |
Same-border cross-currency. Same day processing, Monday to Friday | 19:00 |
Cross-border cross-currency. Same day processing, Monday to Friday | See cross-currency |
Multibank MT101
While ANZ Transactive – Global can accept multibank instructions 24/7, payments will be processed according to the processing times of the bank which holds the account.SUPPORTED CURRENCIES | CUT-OFF TIME |
Any supported currency | 23:59 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - Direct Entry | AUD | Australian Dollar | 18:00 - 19:30* |
Domestic - Osko | AUD | Australian Dollar | 23:59 |
Domestic - RTGS | AUD | Australian Dollar | 16:00 - 16:30 |
Direct Debit | AUD | Australian Dollar | 18:00 - 19:30* |
Pay a Bill (BPAY®†) | AUD | Australian Dollar | 18:00 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in Australia.
CODE | CURRENCY | CUT-OFF TIME | DEAL BOOKING^ |
AED | United Arab Emirates Dirham | 16:30 | 19:15 |
AUD | Australian Dollar | 16:30 | 16:00 |
BDT | Bangladeshi Taka | 16:30 | 13:00 Kolkata |
BGN | Bulgarian Lev | 16:30 | Not available |
CAD | Canadian Dollar | 19:30 | 12:00 Toronto |
CHF | Swiss Franc | 19:30 | 13:30 GMT |
CNY | Chinese Renminbi | 16:30 | 16:00 Hong Kong |
CZK | Czech Koruna | 16:30 | 19:15 |
DKK | Danish Krone | 19:30 | 12:00 Paris |
EUR | Euro | 19:30 | 15:00 Paris |
FJD | Fiji Dollar | 16:30 | 19:15 |
GBP | Pound Sterling | 19:30 | 14:00 GMT |
HKD | Hong Kong Dollar | 19:30 | 16:00 Hong Kong |
HUF | Hungarian Forint | 16:30 | 19:15 |
IDR | Indonesian Rupiah | 16:30 | 14:00 Jakarta |
ILS | Israeli Shekel | 16:30 | 19:15 |
INR | Indian Rupee | 16:30 | 14:00 Kolkata |
JPY | Japanese Yen | 16:30 | 12:00 Tokyo |
KWD | Kuwaiti Dinar | 16:30 | 18:00 |
LKR | Sri Lankan Rupee | 16:30 | 18:00 |
MUR | Mauritian Rupee | 16:30 | 18:00 |
MXN | Mexican Peso | 16:30 | 19:15 |
MYR | Malaysian Ringgit | 16:30 | 12:00 |
NOK | Norwegian Krone | 19:30 | 10:00 GMT |
NZD | New Zealand Dollar | 16:30 | 16:30 Auckland |
PGK | Papua New Guinean Kina | 16:30 | 19:15 |
PHP | Philippine Peso | 16:30 | 18:00 |
PLN | Polish Zloty | 16:30 | 19:15 |
SAR | Saudi Arabian Riyal | 16:30 | 19:15 |
SBD | Solomon Islands Dollar | 16:30 | 19:15 |
SEK | Swedish Krona | 19:30 | 15:00 Paris |
SGD | Singapore Dollar | 16:30 | 15:30 Singapore |
THB | Thai Baht | 16:30 | 13:00 Singapore |
TOP | Tongan Pa’anga | 16:30 | 19:15 |
TRY | Turkish Lira | 16:30 | 19:15 |
USD | US Dollar | 19:30 | 12:00 New York |
VUV | Vanuatu Vatu | 16:30 | 19:15 |
WST | Samoan Tala | 16:30 | 19:15 |
XPF | CFP Franc | 16:30 | 19:15 |
ZAR | South African Rand | 16:30 | 19:15 |
^Cut-off time to book a foreign exchange deal (Melbourne/ Sydney time unless specified)
Account Transfers
PROCESSING METHOD |
CUT-OFF TIME | |
Same-border same-currency. Same day real-time processing, 24/7 | 23:59 | |
Same-border cross-currency. Same day processing, Monday to Friday | 15:30 | |
Cross-border cross-currency. Same day processing, Monday to Friday | See cross-currency |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | SOFT - HARD CUT-OFF TIME |
Domestic - Bulk Electronic Payment System (BEPS) | CNY | Chinese Renminbi | 15:00 - 15:30 |
Domestic - RTGS (HVPS) | CNY | Chinese Renminbi | 15:00 - 15:30 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in China.
CODE |
CURRENCY | CUT-OFF TIME |
AUD | Australian Dollar | 15:30 |
CAD | Canadian Dollar | 15:30 |
CHF | Swiss Franc | 15:30 |
CNY | Chinese Renminbi | 15:30 |
EUR | Euro | 15:30 |
GBP | Pound Sterling | 15:30 |
HKD | Hong Kong Dollar | 15:30 |
JPY | Japanese Yen | 15:30 |
NZD | New Zealand Dollar | 15:30 |
SGD | Singapore Dollar | 15:30 |
USD | US Dollar | 15:30 |
Account Transfers
PROCESSING METHOD |
CUT-OFF TIME |
Same-border same-currency. Same day real-time processing, 24/7 | 22:30 |
Same-border cross-currency. | 22.30 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - FPS | CNY | Chinese Renminbi | 19:30 |
HKD | Hong Kong Dollar | 19:30 | |
Domestic - FPS Bulk No Limit | CNY | Chinese Renminbi | 19:30 |
HKD | Hong Kong Dollar | 19:30 | |
Domestic - CHATS | CNY | Chinese Renminbi | 16:00 |
EUR | Euro | 16:00 | |
HKD | Hong Kong Dollar | 16:30 | |
USD | US Dollar | 17:00 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in Hong Kong.
CODE |
CURRENCY | CUT-OFF TIME |
AED | United Arab Emirates Dirham | 13:30 |
AUD | Australian Dollar | 13:30 |
CAD | Canadian Dollar | 17:00 |
CHF | Swiss Franc | 17:00 |
CNY | Chinese Renminbi | 16:00 |
DKK | Danish Krone | 12:00 |
EUR | Euro | 17:00 |
FJD | Fiji Dollar | 17:00 |
GBP | Pound Sterling | 17:00 |
HKD | Hong Kong Dollar | 16:30 |
IDR | Indonesian Rupiah | 17:00 |
INR | Indian Rupee | 17:00 |
JPY | Japanese Yen | 10:00 |
NOK | Norwegian Krone | 16:00 |
NZD | New Zealand Dollar | 10:00 |
SEK | Swedish Krona | 16:00 |
SGD | Singapore Dollar | 10:00 |
THB | Thai Baht | 17:00 |
USD | US Dollar | 18:00 |
ZAR | South African Rand | 13:30 |
Account Transfers
PROCESSING METHOD | CUT-OFF TIME | |
Same-border same-currency | 18:00 | |
Same-border cross-currency | 18:00 | |
Same-border cross-currency (NZD) | 09:00 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - CWDL | INR | Indian Rupee | 15:00 |
Domestic - NEFT | INR | Indian Rupee | 18:00 |
Domestic - RTGS | INR | Indian Rupee | 18:00 |
Domestic - TAX | INR | Indian Rupee | 16:00 |
Domestic - TD | INR | Indian Rupee | 18:00 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in India.
CODE | CURRENCY | CUT-OFF TIME |
AUD | Australian Dollar | 10:00 |
CAD | Canadian Dollar | 14:30 |
CHF | Swiss Franc | 14:30 |
CNY | Chinese Renminbi | 11:00 |
EUR | Euro | 14:30 |
GBP | Pound Sterling | 14:30 |
HKD | Hong Kong Dollar | 14:30 |
JPY | Japanese Yen | 09:30 |
NOK | Norwegian Krone | 14:30 |
NZD | New Zealand Dollar | 09:00 |
SEK | Swedish Krona | 14:30 |
SGD | Singapore Dollar | 14:30 |
USD | US Dollar | 14:30 |
ZAR | South African Rand | 14:30 |
From Saturday 27 May 2023, all New Zealand banks moved to 7-day processing for domestic payments (direct credits) and receivables (direct debits), enabling everyday payment processing seven days a week, 365 days a year.
New Zealand domestic payments - Cut-off time is guaranteed for same day processing.
Account Transfers
PROCESSING METHOD | CUT-OFF TIME | |
Same-border same-currency. Same day real-time processing, 24/7 | 22:00 | |
Same-border cross-currency. Same day processing, Monday to Friday | 19:00 | |
Cross-border cross-currency. Same day processing, Monday to Friday | See cross-currency |
Multibank MT101
While ANZ Transactive – Global can accept multibank instructions 24/7, payments will be processed according to the processing times of the bank which holds the account.SUPPORTED CURRENCIES | CUT-OFF TIME |
Any supported currency | 23:59 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - Direct Credit* | NZD | New Zealand Dollar | 21:30 |
Domestic - SCP | NZD | New Zealand Dollar | 16:30 |
Direct Debit* | NZD | New Zealand Dollar | 21:30 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in New Zealand.
CODE |
CURRENCY | CUT-OFF TIME |
AED | United Arab Emirates Dirham | 16:30 |
AUD | Australian Dollar | 17:30 |
CAD | Canadian Dollar | 17:30 |
CHF | Swiss Franc | 17:30 |
CNY | Chinese Renminbi | 16:30 |
CZK | Czech Koruna | 16:30 |
DKK | Danish Krone | 17:30 |
EUR | Euro | 17:30 |
FJD | Fiji Dollar | 16:30 |
GBP | Pound Sterling | 17:30 |
HKD | Hong Kong Dollar | 17:30 |
HUF | Hungarian Forint | 16:30 |
IDR | Indonesian Rupiah | 16:30 |
INR | Indian Rupee | 16:30 |
JPY | Japanese Yen | 16:30 |
KWD | Kuwaiti Dinar | 16:30 |
LKR | Sri Lankan Rupee | 16:30 |
MUR | Mauritian Rupee | 16:30 |
MXN | Mexican Peso | 16:30 |
NOK | Norwegian Krone | 17:30 |
NZD | New Zealand Dollar | 16:30 |
PGK | Papua New Guinean Kina | 16:30 |
PHP | Philippine Peso | 16:30 |
PLN | Polish Zloty | 16:30 |
SAR | Saudi Arabian Riyal | 16:30 |
SBD | Solomon Islands Dollar | 16:30 |
SEK | Swedish Krona | 17:30 |
SGD | Singapore Dollar | 16:30 |
THB | Thai Baht | 16:30 |
TOP | Tongan Pa’anga | 16:30 |
USD | US Dollar | 17:30 |
VUV | Vanuatu Vatu | 16:30 |
WST | Samoan Tala | 16:30 |
XPF | CFP Franc | 16:30 |
ZAR | South African Rand | 16:30 |
Account Transfers
PROCESSING METHOD | CUT-OFF TIME | |
Same-border same-currency | 18:00 | |
Same-border cross-currency | 18:00 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - GSRT | USD | US Dollar | 14:30 |
Domestic - PESONET | PHP | Philippine Peso | 15:00 |
Domestic - RTGS | PHP | Philippine Peso | 14:30 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in the Philippines.
CODE | CURRENCY | CUT-OFF TIME |
AUD | Australian Dollar | 10:30 |
CHF | Swiss Franc | 15:00 |
EUR | Euro | 15:00 |
GBP | Pound Sterling | 15:00 |
HKD | Hong Kong Dollar | 10:30 |
JPY | Japanese Yen | 10:30 |
NZD | New Zealand Dollar | 10:30 |
SGD | Singapore Dollar | 10:30 |
USD | US Dollar | 15:00 |
Account Transfers
PROCESSING METHOD | CUT-OFF TIME | |
Same-border same-currency | 23:30 | |
Same-border cross-currency | 22:30 | |
Same-border cross-currency (INR) | 16:30 | |
Same-border cross-currency (SGD) | 23:45 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - FAST | SGD | Singapore Dollar | 23:59 |
Domestic - GIRO | SGD | Singapore Dollar | 10:00 |
Domestic - MEPS | SGD | Singapore Dollar | 17:00 |
Domestic - PayNow | SGD | Singapore Dollar | 23:59 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in Singapore.
CODE | CURRENCY | CUT-OFF TIME |
AED | United Arab Emirates Dirham | 16:30 |
AUD | Australian Dollar | 13:00 |
CAD | Canadian Dollar | 17:00 |
CHF | Swiss Franc | 17:00 |
CNY | Chinese Renminbi | 15:00 |
DKK | Danish Krone | 16:30 |
EUR | Euro | 18:00 |
FJD | Fiji Dollar | 16:30 |
GBP | Pound Sterling | 18:00 |
HKD | Hong Kong Dollar | 15:00 |
IDR | Indonesian Rupiah | 14:00 |
INR | Indian Rupee | 23:30 |
JPY | Japanese Yen | 11:00 |
NOK | Norwegian Krone | 16:30 |
NZD | New Zealand Dollar | 11:00 |
PHP | Philippine Peso | 16:30 |
SEK | Swedish Krona | 16:30 |
SGD | Singapore Dollar | 17:00 |
THB | Thai Baht | 16:30 |
USD | US Dollar | 18:00 |
ZAR | South African Rand | 16:30 |
Account Transfers
PROCESSING METHOD | CUT-OFF TIME | |
Same-border same-currency (without FX) | 23:59 | |
Same-border cross-currency (with FX) | 16:30 |
Domestic Payments
PAYMENT METHOD | CODE | CURRENCY | CUT-OFF TIME |
Domestic - ACH | AUD | Australian Dollar | 15:00 |
EUR | Euro | 15:00 | |
GBP | Pound Sterling | 15:00 | |
JPY | Japanese Yen | 15:00 | |
USD | US Dollar | 15:00 | |
VND | Vietnamese Dong | 15:00 | |
Domestic - CWDL | AUD | Australian Dollar | 15:00 |
EUR | Euro | 15:00 | |
USD | US Dollar | 15:00 | |
VND | Vietnamese Dong | 15:00 | |
Domestic - TAX | VND | Vietnamese Dong | 15:00 |
Cross-currency Payments
The table below lists the currencies supported for International Payments in Vietnam.
CODE | CURRENCY | CUT-OFF TIME |
AUD | Australian Dollar | 15:00 |
CAD | Canadian Dollar | 15:00 |
CHF | Swiss Franc | 15:00 |
DKK | Danish Krone | 15:00 |
EUR* | Euro | 15:00 |
GBP | Pound Sterling | 15:00 |
HKD | Hong Kong Dollar | 15:00 |
JPY | Japanese Yen | 15:00 |
NZD | New Zealand Dollar | 15:00 |
SEK | Swedish Krona | 15:00 |
SGD | Singapore Dollar | 15:00 |
THB | Thai Baht | 15:00 |
USD* | US Dollar | 15:00 |