You can see payment cut off times and processing times for each transaction type in the table below. It’s important you check your account terms and conditions to know which transaction type(s) are available to you.
Please note all payment cut-off and processing times are denoted in Australian Eastern Standard Time (AEST).
| Account | Cut off time | Processed by us |
|---|---|---|
Between your Cash Management Account, Macquarie Transaction, Offset, Savings, Business Savings and Home Loan (with a BSB starting with 182), or to a Macquarie Car Loan | n/a | Immediately |
Between your Macquarie Home Loan (with a BSB starting with 183) | 5pm on a Business Day | Same Business Day |
After 5pm or on a non-Business Day | Next Business Day
|
| Account | Cut off time | Processed by us |
|---|---|---|
From your Macquarie account to an account held with another Australian bank for payments processed via direct entry or made to a recipient you've never paid before | 5pm on a Business Day | Same Business Day* |
After 5pm or on a non-Business Day | Next Business Day* | |
From your Macquarie Transaction, Savings, Business Savings, Offset (with a BSB starting with 182) or Cash Management account to an account held with another Australian bank for payments processed via NPP* | NPP Payments are available 24 hours a day, 7 days a week. There’s no applicable cut-off time. | Immediately, as long as the account you’re paying is NPP enabled. You can contact the receiving bank for more information |
*After the transaction is processed by us, Pay Anyone Payments are generally received the following Business Day. Pay Anyone Payments to Building Societies and Credit Unions may take up to two Business Days to be received
| Account | Cut off time | Processed by us |
|---|---|---|
From your Macquarie Transaction, Savings, Business Savings or Offset (with a BSB starting with 182) to a PayID from another Australian bank account | PayID Payments are available 24 hours a day, 7 days a week. There’s no applicable cut-off time. | Immediately
|
| Account | Cut off time | Processed by us |
|---|---|---|
From your Macquarie account to any Biller | Before 5pm on a Business Day | Processed and treated as received by the Biller on same Business Day* |
After 5pm on a Business Day or on a non-Business Day | Processed and treated as received by the Biller on the next Business Day* |
*Although funds may be treated as received by the Biller, they may not be available in the Biller’s account for up to three Business Days
| Account | Cut off time | Processed by us |
|---|---|---|
Macquarie Transaction, Savings, Business Savings or Cash Management Account (for transfers over $100,000 only) | 12pm on a Business Day | Same Business Day (Any transactions submitted after the cut off time will be processed on the next Business Day)
|
Macquarie Home Loan or Offset with a BSB starting with 182 | 2:30pm on a Business Day | |
Macquarie Home Loan or Offset with a BSB starting with 183 | 11am on a Business Day
|
| Account | Cut off time | Processed by us |
|---|---|---|
From your Transaction, Savings, Business Savings, Offset or Home Loan Account (Starting with 182) | 5pm on the day before the payment is scheduled to be made | Payments scheduled for a Business and Non-Business Day will be debited to your account on that day. |
From your Macquarie Home Loan (with a BSB starting with 183) | 5pm on the day before the payment is scheduled to be made | Payments scheduled for a Business Day will be debited to your account on that day |
Payments scheduled for a non-Business Day will be debited to your account on the next Business Day | ||
From your Macquarie Cash Management Account | 5pm on the day before the payment is scheduled to be made | Payments scheduled for a Business Day will be debited to your account on that day |
Payments scheduled for a non-Business Day will be debited and processed on the previous Business Day |
After the transaction is processed by us, Pay Anyone payments are generally received the following Business Day. Pay Anyone payments to Building Societies and Credit Unions may take up to two Business Days to be received
| Account | Cut off time | Processed by us |
|---|---|---|
From your Transaction, Savings, Business Savings, Offset or Home Loan Account (Starting with 182 or 183) | 5pm on the day before the payment is scheduled to be made | Payments scheduled for a Business Day will be treated as received by the Biller on the same day |
Payments scheduled for a non-Business Day will be treated as received by the Biller the following Business Day | ||
From your Macquarie Cash Management Account | 5pm on the day before the payment is scheduled to be made | Payments scheduled for a Business Day will be treated as received by the Biller on the same day |
Payments scheduled for a non-Business Day will be debited to your account and be treated as received by the Biller on the following Business Day |
Although funds may be treated as received by the Biller, they may not be available in the Biller’s account for up to three Business Days
| Account | Cut off time | Processed by us |
|---|---|---|
From your Macquarie Home Loan (with a BSB starting with 183) or Cash Management Account | 11pm on the day before the payment is scheduled to be made | Immediately |
From your Macquarie Transaction, Savings, Business Savings, Offset or Home Loan (with a BSB starting with 182) | 11:59pm on the day before the payment is scheduled to be made | Immediately |
We're unable to process a request to modify an immediate payment once you have authorised the payment in Macquarie Online or Mobile Banking
| Account | Cut off time | Processed by us |
|---|---|---|
From your Macquarie Home Loan (with a BSB starting with 183) | 3pm the day before the payment is scheduled to be made | Immediately |
From your Macquarie Cash Management Account | 11pm the day before the payment is scheduled to be made | Immediately |
From your Macquarie Transaction, Offset, Business Savings and Home Loan (with a BSB starting with 182 or Savings Account) | 11:59pm the day before the payment is scheduled to be made | Immediately |
We're unable to process a request to cancel an immediate payment once you have authorised the payment in Macquarie Online or Mobile Banking.
It’s important to ensure the BSB and account number are correct. The account name is not used for processing and we do not match the account name against the account number you provide. Entering incorrect details may mean the wrong account is credited and it may not be possible to recover the funds, please refer to the terms and conditions.
Delays may occur in processing a transaction due to the following scenarios:
Please note we'll try to address any delays with processing a transaction as soon as possible.
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