Sending Australian Dollar (AUD) payments

This guide is to help you with sending AUD payments. It has all the information you need to know, including when you can usually expect it to arrive and what you can do if it doesn’t.

✅ Yes, you can send AUD payments to an individual or a business.

❌ No. As there are no name checks, it's really important that you use the correct account number. If the incorrect account number is used and it belongs to someone else, the payment will still go through.

You can send up to AU$1,500,000 per transfer.

Most payments arrive within seconds, and nearly all arrive within 1 working day.

In some cases, because of bank holidays or if there are any extra checks on the payment it can take up to 2 working days.

You can see how long we expect your payment to take before you send it in the app, and after you’ve sent it by tapping it in your feed.

We’ll send your payment as a local bank transfer through the New Payments Platform (NPP) or Bulk Electronic Clearing System (BECS) or Real-Time Gross Settlement (RTGS) networks with partner banks in Australia.

We’ll only use BECS if the recipient can’t receive the payment through NPP and RTGS if the amount is over AU$1,000,000.

There’s no cut off time. Any payment you make will be made on the same day you send it.

✅ Yes, if you’ve used the wrong name or account number or if you think it’s fraud. Let us know right away so we can help.

⏰ You need to wait 14 days after a payment is sent before we can send the recall.