Help & Support

  1. Business
  2. Help and support
  3. Internet Banking for Business
  4. Payments and direct debits
  5. Processing times for business payments

Processing times for business payments

Note: From 27 May 2023, all electronic payments will be processed 7 days a week between all participating New Zealand banks, including public holidays. Find out more

Automatic payments, bill payments, direct credits and direct debits are processed 7 days a week, as long as they are authorised by the cut-off time. If your payment isn’t authorised on time, we’ll process this the next day.

Other payments are processed on normal business days (Monday to Friday, not including public holidays), as long as they are authorised by the cut-off time. If your payment isn’t authorised on time, we’ll process this the next business day.

Transfers between your accounts in Internet Banking for Business are made as soon as they are authorised.

Payment type

Cut-off times
Automatic payment - amendment/deletion 5.30am
Automatic payment - new loading 9.45pm
Bill payment  11:45pm
Credit card payment  6:00pm
 Direct credit and payroll  11:45pm
 Direct Debit  11:45pm
 International payments Internet Banking for Business 11pm*
International payments in the BNZ Business app 11pm*
 Same-day cleared payment  4:30pm
 Tax payment 11:45pm 

*International payment cut-off times will depend on the currency and payment type. See foreign currencies and cut-off times for business payments

Processing payments on public holidays

Automatic payments, bill payments, direct credits and direct debits are processed 7 days a week, even on public holidays.

We treat provincial anniversary days (e.g. Wellington Anniversary Day) as normal business days.

International payments in Internet Banking for Business and the BNZ Business app

International payments can be made between 7am-11pm on business days in Internet Banking for Business and the BNZ Business app.