Westpac transfer times

If you are using Westpac, here’s the most accurate guide on how transfer times work—whether you're sending to another Westpac account, a different bank, or making payments overseas.

Westpac to Westpac Transfers

Transfers between Westpac accounts occur instantly 24/7, 365 days a year. This includes real-time payments using Osko® and PayID® Westpac FAQs (westpac.com.au).

Westpac to Other Banks (Domestic)

• Online payments (Bill Payments, One-off, Tax Payments) sent to other banks are processed between 9:30 am and 10:00 pm AEST on business days.
• If sent after 10:00 pm, or on weekends/holidays, they'll be processed at 9:30 am the next business day.
• These payments are typically credited on the same day or next, depending on the recipient bank's policies.

Cheque Payments & Direct Debits

Cheque payments and direct debits are processed overnight and credited to recipients the next business day.

Incoming Transfers from Other Banks

• When other banks send funds to your Westpac account, they are processed and credited between 9:15 am and 11:30 pm AEST on business days.

International Transfers

• International payments (telegraphic transfers, foreign exchange) usually take 1–3 business days to arrive after Westpac processes them.
• Westpac typically processes incoming international payments on the same day, provided they're received before the cut-off time, and credits them on that day.
• Foreign payments under AUD 100 may be exempt from the AUD 12 processing fee.

Summary Table

Note: These processing windows are current as of July 2025 and based on Westpac’s official information. Recipient banks determine final credit timing. For the latest updates, visit Westpac’s FAQs or contact support.