Payment processing and cut-off times vary and are determined by the country where the payment originated, the payment type, and the payment currencies.
You can view the cut-off time for payments in multiple locations.
- When creating, reviewing, and viewing a payment instruction in the web, the cut-off time is displayed near the value date
- When viewing the transaction from the Current Payments grid, refer to the Cut-off Time column
- When viewing a payment instruction in the mobile app, the cut-off time is displayed under the value date
In the web, the cut-off time is displayed in the Time Zone set up in User Settings > Settings & Preferences.
In the mobile app, the cut-off time is displayed in the payment time zone.
- ANZ Transactive – Global will not let you create a payment where the Value Date is a non-business day (e.g., weekend, public holiday, bank holiday, unless otherwise stated below) or a currency holiday
- From Saturday 27 May 2023, all New Zealand banks will move 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.
- For non-business days, contracts will need to be booked for the next valid business day
- Some ANZ locations recognise Daylight Saving Time (DST). The cut-off times will automatically be adjusted in the system.
Account Transfers
| ACCOUNT TRANSFER TYPE | PROCESSING TIME | CUT-OFF TIME |
|---|---|---|
| Same-border same-currency | Same day real-time processing, 24/7 | 23:59
New Zealand: Transfers between accounts in NZD have a hard cut-off time of 22:00 (New Zealand) for same day value. |
| Same-border cross-currency | Same day processing, Monday to Friday | Australia: 19:00 (Melbourne/Sydney) China: 15:30 CST New Zealand: 19:00 (New Zealand) |
| Cross-border cross-currency | Same day processing, Monday to Friday | International Payments processing times apply |
Domestic Payments (Australia)
| PAYMENT TYPE |
SOFT CUT-OFF TIME (Melbourne/Sydney) |
HARD CUT-OFF TIME (Melbourne/Sydney) |
|---|---|---|
| Direct Entry | 18.00 | 19:30 A late lodgement fee is applied to payments received between 18:00 to 19:30 |
| Osko | 23:59 | 23:59 |
| RTGS | 16:00 | 16:30 |
Domestic Payments (China)
| PAYMENT TYPE | SOFT CUT-OFF TIME (CST) | HARD CUT-OFF TIME (CST) |
|---|---|---|
| Bulk Electronic Payment System (BEPS) | 15:00 | 15:30 |
| RTGS (HVPS) | 15:00 | 15:30 |
Domestic Payments (New Zealand)
| PAYMENT TYPE | CUT-OFF TIME GUARANTEED FOR SAME DAY PROCESSING (New Zealand) |
|---|---|
| Direct Credit | 21:30 Available 7 days, including non-business days. |
| SCP | 16:30 |
Direct Debits
| TYPE | SOFT CUT-OFF TIME | HARD CUT-OFF TIME |
|---|---|---|
| Direct Debit AU | 18.00 (Melbourne/Sydney) | 19:30 (Melbourne/Sydney) A late lodgement fee is applied to Direct Debits received between 18:00 to 19:30 |
| Direct Debit NZ | 21:30 (New Zealand) | 21:30 (New Zealand) |
Pay a Bill (Australia)
Cut-off time is 18:00 (Melbourne/Sydney).
Multibank
Cut-off time is 23:59 (Melbourne/Sydney).
International Payments
The cut-off time for International Payments is determined by the currency the payment is being made in. Payments submitted before the time specified in the table below 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
- Australia: BHD, HRK, IDR, MYR, QAR and RON
- New Zealand: CZK, HUF, IDR, KWD, MUR, MXN, and PLN
| CODE | CURRENCY | Payments originating in Australia for guaranteed same day outbound (Melbourne/ Sydney) | Payments originating in China for guaranteed same day outbound (CST) | Payments originating in New Zealand for guaranteed same day outbound (New Zealand) |
Cut-off time to book a foreign exchange deal (Melbourne/ Sydney time unless specified) |
|---|---|---|---|---|---|
| AED | United Arab Emirates Dirham | 16:30 | Not available | 16:30 |
19:15 |
| AUD | Australian Dollar | 16:30 | 15:30 | 17:30 |
16:00 |
| BDT | Bangladeshi Taka | 16:30 | Not available | Not available |
13:00 Kolkata |
| BGN | Bulgarian Lev | 16:30 | Not available | Not available |
Not available |
| CAD | Canadian Dollar | 19:30 | 15:30 | 17:30 |
12:00 Toronto |
| CHF | Swiss Franc | 19:30 | 15:30 | 17:30 |
13:30 GMT |
| CNY | Chinese Renminbi | 16:30 | 15:30 | 16:30 |
16:00 Hong Kong |
| CZK | Czech Koruna | 16:30 | Not available | 16:30 |
19:15 |
| DKK | Danish Krone | 19:30 | Not available | 17:30 |
12:00 Paris |
| EUR | Euro | 19:30 | 15:30 | 17:30 |
15:00 Paris |
| FJD | Fiji Dollar | 16:30 | Not available | 16:30 |
19:15 |
| GBP | Pound Sterling | 19:30 | 15:30 | 17:30 |
14:00 GMT |
| HKD | Hong Kong Dollar | 19:30 | 15:30 | 17:30 |
16:00 Hong Kong |
| HUF | Hungarian Forint | 16:30 | Not available | 16:30 |
19:15 |
| IDR | Indonesian Rupiah | 16:30 | Not available | 16:30 |
14:00 Jakarta |
| ILS | Israeli Shekel | 16:30 | Not available | Not available |
19:15 |
| INR | Indian Rupee | 16:30 | Not available | 16:30 |
14:00 Kolkata |
| JPY | Japanese Yen | 16:30 | 15:30 | 16:30 |
12:00 Tokyo |
| KWD | Kuwaiti Dinar | 16:30 | Not available | 16:30 |
18:00 |
| LKR | Sri Lankan Rupee | 16:30 | Not available | 16:30 |
18:00 |
| MUR | Mauritian Rupee | 16:30 | Not available | 16:30 |
18:00 |
| MXN | Mexican Peso | 16:30 | Not available | 16:30 |
19:15 |
| MYR | Malaysian Ringgit | 16:30 | Not available | Not available |
12:00 |
| NOK | Norwegian Krone | 19:30 | Not available | 17:30 |
10:00 GMT |
| NZD | New Zealand Dollar | 16:30 | 15:30 | 16:30 |
16:30 Auckland |
| PGK | Papua New Guinean Kina | 16:30 | Not available | 16:30 |
19:15 |
| PHP | Philippine Peso | 16:30 | Not available | 16:30 |
18:00 |
| PLN | Polish Zloty | 16:30 | Not available | 16:30 |
19:15 |
| SAR | Saudi Arabian Riyal | 16:30 | Not available | 16:30 |
19:15 |
| SBD | Solomon Islands Dollar | 16:30 | Not available | 16:30 |
19:15 |
| SEK | Swedish Krona | 19:30 | Not available | 17:30 |
15:00 Paris |
| SGD | Singapore Dollar | 16:30 | 15:30 | 16:30 |
15:30 Singapore |
| THB | Thai Baht | 16:30 | Not available | 16:30 |
13:00 Singapore |
| TOP | Tongan Pa’anga | 16:30 | Not available | 16:30 |
19:15 |
| TRY | Turkish Lira | 16:30 | Not available | Not available |
19:15 |
| USD | US Dollar | 19:30 | 15:30 | 17:30 |
12:00 New York |
| VUV | Vanuatu Vatu | 16:30 | Not available | 16:30 |
19:15 |
| WST | Samoan Tala | 16:30 | Not available | 16:30 |
19:15 |
| XPF | CFP Franc | 16:30 | Not available | 16:30 |
19:15 |
| ZAR | South African Rand | 16:30 | Not available | 16:30 |
19:15 |