Calculate the exact arrival time of your Australian domestic or international bank transfer. Supporting NPP/PayID/Osko, Direct Entry, RTGS, and SWIFT across major banks in Australia and worldwide.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it. We support all major Australian banks and financial institutions.
Select whether you're using NPP/PayID/Osko (instant), Direct Entry/BECS (1-2 business days), or RTGS (same-day high-value).
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive in the recipient's account.
Understanding the three main ways to send money between Australian bank accounts.
Australia's real-time payments infrastructure, the New Payments Platform (NPP), enables instant transfers 24 hours a day, 7 days a week, including weekends and public holidays. PayID lets you link your account to a phone number, email, or ABN. Osko is the overlay service that powers instant payments between participating banks.
The standard batch-processing method for moving money between Australian bank accounts, processed through the Bulk Electronic Clearing System (BECS) operated by the Australian Payments Network. Commonly used for payroll, superannuation contributions, bill payments, and direct debits. Only processes on business days.
Australia's high-value payment system operated by the Reserve Bank of Australia (RBA). RTGS settles payments individually in real time on a gross basis, providing immediate finality. Used for property settlements, large business transactions, and urgent high-value payments. Irrevocable once settled.
Our calculator covers all major Australian banks and financial institutions.
Sending money between Australian bank accounts is something millions of Australians do every day. Whether you're paying rent, sending money to family, settling a bill, or completing a property settlement, understanding how long your bank transfer will take is essential for financial planning.
The New Payments Platform (NPP) is Australia's modern real-time payments infrastructure, launched in 2018. PayID and Osko are services built on top of the NPP that make sending money faster and easier than ever before.
With NPP/PayID/Osko, transfers arrive within seconds, 24 hours a day, 7 days a week, including weekends and public holidays. Key features include:
Direct Entry is the traditional batch-processing system for Australian bank transfers, processed through the Bulk Electronic Clearing System (BECS) operated by the Australian Payments Network (AusPayNet).
Direct Entry transfers typically take 1 to 2 business days. Common uses include:
The Real-Time Gross Settlement (RTGS) system is Australia's high-value payment system operated by the Reserve Bank of Australia (RBA). RTGS settles each payment individually in real time, providing immediate finality for the transaction.
Key facts about RTGS in Australia:
Australian public holidays affect Direct Entry and RTGS processing. On these days, batch processing and RTGS do not operate, which means transfers are delayed to the next business day. NPP/PayID/Osko, however, continues to operate 24/7, including on public holidays and weekends.
The 2026 Australian national public holidays are: New Year's Day (1 January), Australia Day (26 January), Good Friday (3 April), Saturday before Easter Sunday (4 April), Easter Monday (6 April), Anzac Day (25 April), Queen's Birthday (8 June in most states), Christmas Day (25 December), and Boxing Day (26 December). Note that states and territories may have additional public holidays.
Sending money abroad from Australia typically involves the SWIFT network for international wire transfers. Our advanced international calculator covers 30+ countries and hundreds of banks worldwide.
SWIFT transfer times from Australia vary by destination:
Australian banks typically have SWIFT cutoff times between 2:00 PM and 4:00 PM AEST. Transfers sent after cutoff will begin processing on the next business day.
Everything you need to know about Australian bank transfers.
It depends on the payment method used. NPP/PayID/Osko transfers arrive within seconds and are available 24/7, including weekends and public holidays. Direct Entry (BECS) takes 1–2 business days and only processes on business days. RTGS payments arrive the same business day if sent before the bank's cutoff time (usually 3:00–5:00 PM AEST). Most everyday personal transfers in Australia now use NPP/Osko by default.
NPP/PayID/Osko operates 24/7, including weekends and public holidays, so your transfer will still arrive within seconds. However, Direct Entry and RTGS only process on business days. If you send a Direct Entry payment on Friday, it won't begin processing until Monday, arriving on Tuesday or Wednesday. RTGS transfers sent after cutoff or on non-business days will settle on the next business day.
PayID is a service built on the NPP that lets you link your bank account to an easy-to-remember identifier — your phone number, email address, ABN, or organisation ID. Instead of sharing your BSB and account number, you simply give someone your PayID and they can pay you instantly. You can set up a PayID through your bank's internet banking or mobile app. Each PayID can only be linked to one bank account at a time, but you can have multiple PayIDs linked to different accounts.
NPP/PayID/Osko is the default for personal transfers — instant, free at most banks, available 24/7, with limits up to $1,000,000. Direct Entry (BECS) is a batch processing system used for payroll, super, bill payments, and direct debits — takes 1–2 business days, very low cost, no standard upper limit. RTGS is for guaranteed same-day high-value payments — used for property settlements and urgent large transfers, costs $20–$35, only available on business days before the bank's cutoff time.
RTGS payments are irrevocable — once settled, they cannot be recalled. NPP/Osko transfers are near-instant and generally cannot be reversed once the funds have been credited to the recipient's account, though some banks may assist with mistaken payments under the ePayments Code. Direct Entry direct debits can be reversed by contacting your bank if the debit was unauthorised. If you've sent money to the wrong person, contact your bank immediately. Always verify BSB and account numbers before confirming a transfer.
International transfer times depend on the destination and method used. SWIFT transfers to New Zealand typically take 1–2 business days due to close banking relationships. Transfers to the UK, Europe, and North America usually take 2–4 business days. Transfers to Asia generally take 1–3 business days, while transfers to Africa or South America may take 3–5 business days. Factors such as correspondent banks, compliance checks, time zones, and local holidays in the destination country all affect delivery times. Use our international calculator for estimates specific to your bank and destination.