literally sitting here with a cup of tea to my name. You can likely save money using TransferWise for your international transfer but, regardless, this guide should help you. The cut-off time for transfers between accounts is … I think if you transfer money before 2 pm on a business day, it'll go through in that day's batch, but after 2pm it gets held back til the next day. By Clancy Yeates. Thursday now and my account is still in deficit. Any payments authorised after this time, will be processed the next bank business day. Bank transfers in less than a minute as real-time payments rolled out. had very little money and i used it up getting through the work and I don't have a cent to show. Payments need to be authorised prior to 6.00pm (AEST) on a bank business day. I believe there is a cut off time on business days for transfers. The easiest and cheapest way to do it using ANZ is online. 1. if you set auto transfer , 2 days 2. transfer before 3 pm , 2 days 3. transfer 3pm-5pm , by 8 pm same day 4. transfer to overseas before 7am, 2-3 hours. ANZ to ANZ payments will be made immediately between accounts. ANZ will generally process Pay Anyone instructions: In near real time, or on the future date you have selected, if the Pay Anyone transfer can be made through the Osko® service; The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the payee's bank. The cut-off times are same as those for ANZ Internet Banking. If you set up a same-day electronic payment to another bank after 10pm or on a non-business day, we take the money immediately but send the payment in the morning of the next business day. westpac to citibank vv almost instant. base on my experience ANZ will generally process Pay Anyone instructions: In near real time, or on the future date you have selected, if the Pay Anyone transfer can be made through the Osko® service ANZ International Money Transfers Exchange Rates, Fees and Transfer Times. Pay no ANZ transfer fee disclaimer to send money to the Cook Islands, Fiji, Kiribati, Samoa, Solomon Islands, Tonga, Vanuatu, Papua New Guinea, Timor Leste and New Caledonia. “For transfers to us, once we receive a file from a corresponding bank we process that file and funds are available straight away with our real-time core banking,” the spokesman said. ANZ to ANZ whenever , 2 days. ANZ to westpac. 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