Discover the operating times in St George Bank

Understanding St.George Bank processing and cut-off times helps you plan payments and avoid delays. Below is a clear guide that explains how quickly different types of transfers are processed and what to expect when sending money within Australia or abroad.

Internal transfers between your St.George accounts

Money sent between your St.George accounts is typically credited almost instantly. Internal transfers within the same customer profile or between accounts in the same name are processed in real time, so balances update straight away for everyday use and immediate payments.

Transfers to other Australian banks

Payments sent to accounts at other Australian banks are often processed via fast payment rails (Osko / PayID) when both banks and the payment details support it, and these are usually received within seconds. If a payment cannot be sent via the fast rails, it will be processed as a standard payee transfer — such transfers made during banking hours are generally credited on the next business day, while transfers submitted after the bank’s processing cut-off or on a weekend/public holiday may take longer. Check your payment method at the point of making the transfer to see whether Osko/PayID is being used or a standard payee transfer will apply.

International and non-NPP transfers

International payments and transfers that must pass through correspondent banks usually take longer. St.George notes that international transfers normally arrive within 1–3 business days but may take longer depending on the destination country, receiving bank procedures and any intermediary bank processing. Always allow extra time for overseas payments and confirm currency conversion and fees before sending.

Cut-off times and practical advice

• Fast payments: Use PayID/Osko when possible — these operate 24/7 and are typically completed in seconds between participating banks.
• Standard transfers: If your payment is routed as a payee transfer rather than Osko, allow up to the next business day if submitted during business hours; outside business hours, expect additional delay.
• Weekends and public holidays: Payments initiated on non-business days are usually processed on the next business day.
• First-time recipients and security checks: Transfers to a new payee or unusually large amounts may be delayed for manual review — this can add one or more business days to processing time.

How to minimise delays

• Confirm the correct BSB, account number or PayID before sending to avoid misdirected payments.
• Use PayID/Osko for the fastest possible transfer when the recipient’s bank supports it.
• Schedule transfers early in the day on a business day to increase the chance they are processed the same or next business day.
• For urgent international payments, contact your branch or phone banking to verify any special requirements or to arrange faster services if available.

Summary

Money moved between your St.George accounts is usually credited almost instantly. Transfers to other Australian banks will often arrive the same day via fast rails (Osko/PayID) or, when routed as standard payee transfers, are typically credited on the next business day if submitted within banking hours. International payments usually take 1–3 business days but can vary by destination and intermediaries. Always check the payment method shown when you make a transfer and verify recipient details to avoid delays.