What is the ANZ to Westpac transfer time?

Wondering how long it takes to transfer money from ANZ to Westpac? Here's the latest breakdown, based on official bank cut-off times and customer experience.

Domestic ANZ to Westpac Transfers

Osko / PayID: If both accounts support Osko or PayID, the transfer is usually instant — funds typically arrive within minutes, 24/7, including weekends and holidays.

Standard bank transfer (Pay Anyone): Transfers made before 6 pm (Sydney time) on a business day are generally processed and received by Westpac by 8 pm the same day. If sent after 6 pm, the payment may arrive the next business day.

Scheduled or Auto Transfers

For automatic or scheduled payments between ANZ and Westpac, the expected processing time is up to 2 business days. These are handled via the standard clearing system and may not qualify for instant settlement.

International Transfers to Westpac

If you're transferring money from ANZ to a Westpac account overseas, operations completed before 7 am are often delivered within 2–3 hours. For other cases, the transfer might take 1–3 business days depending on currency, country, and compliance checks.

Summary of ANZ to Westpac Transfer Times

• Instant transfers (Osko/PayID): Within minutes, any time
• Standard transfers (Pay Anyone): Sent before 6 pm → arrives by 8 pm same day
• After 6 pm or non-business day: Arrives next business day
• Auto transfers: Up to 2 business days
• Overseas transfers: ~2–3 hours if before 7 am; otherwise up to 3 days

To ensure the fastest delivery, use Osko or PayID whenever possible and initiate transfers before the daily cut-off time.