BNZ Transfer Times: Domestic and International Processing Speeds
How long do BNZ transfers take? Understand BNZ transfer times, weekend rules for both domestic and international transfers in this guide.
ANZ Transfer Times: Domestic and International Processing Speeds
Waiting for a bank transfer to arrive can be frustrating, especially when you’re not sure how long it’s meant to take. With ANZ, factors such as the destination, time of day and banks involved can all impact the processing speeds and transfer times of the money you send out.
This guide delves into how ANZ processes payments, including what affects the transfer speeds, the processing cut off times and what to expect if your transfer is delayed.
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What affects ANZ’s transfer times?
There are a few different factors that can influence the speed of a bank transfer, including when you’re sending money with ANZ.
- Transfer cut-off times
- Weekend and public holiday delays
- Processing speed of intermediary banks
- Processing times for the recipient’s bank
- Security checks
- Technical issues
- Amount of money being sent
Whether it's a domestic or international transfer also makes a difference, with domestic transfers tending to be faster.
ANZ domestic transfer times
ANZ’s domestic transfer speeds vary depending on how you’re sending the money, and to which bank.¹ For each sending method there’s usually an interbank transfer time, and an ANZ transfer time for other banks, such as Westpac, KiwiBank, BNZ, and Co-operative Bank.
ANZ same day transfer
ANZ supports same day payments for bills, tax payments and transfer of funds. How fast the transfer is paid out depends on whether it’s going to an ANZ account or not.
| To account | Timing |
|---|---|
| ANZ account | Funds are sent immediately 24/7 |
| Non-ANZ account | If the payment is setup before 10.00 pm it will be sent that day If the payment is setup after 10.00 pm it will be sent the next morning |
If it’s a direct debit payment the amount is taken as soon as ANZ receives the request, no matter the day or time.
Automatic payments
Automatic payments are the one you set up to come out on a particular date, either as a once-off or a regular transfer. Like the same day payments, it could be for bills, tax payments or a funds transfer. These payments are processed at a set time of day.
| To account | Timing |
|---|---|
| ANZ account | Debited at 4.00 am on the day and sent to the ANZ account immediately |
| Non-ANZ account | Debited at 4.00 am on the day and sent to the other New Zealand bank from 9.00 am |
Keep in mind that if your first automatic payment is due on the day you set it up the payment will be sent after 10.00 pm, or the next morning if it’s set up after 9.30 pm.
ANZ to KiwiSaver transfer time
If you’re sending money from your ANZ account to a KiwiSaver account that’s managed by ANZ Investments, it follows the same timing as sending to an ANZ account.
- Immediately for same day payments
- 4am for automatic payments
Since the account is part of the KiwiSaver scheme the transfers are one way, so can’t be reversed.
Weekends and public holidays
ANZ transfers made using the ANZ goMoney mobile app or Internet Banking are processed seven days a week. However, be aware that payments sent or received on Saturday, Sunday or on a public holiday will have different dates on your account statement or online transaction history. This is because the bank only updates this information overnight on business days.
ANZ international transfer times
When sending money internationally with ANZ it usually takes two business days for the funds to arrive in the recipient's account, but this can vary depending on the cut-off times and how long their bank takes to process and credit the funds.²
The cut-off times for ANZ international payments vary depending on the destination. Here are the daily cut-off times for a few locations, which as you can see is earlier than domestic transfers.³
| Destination | Currency | Cut-off time (NZST) |
|---|---|---|
| Australia | AUD | 5.00 pm |
| Canada | CAD | 5.00 pm |
| United States | USD | 5.00 pm |
| United Kingdom | GBP | 5.00 pm |
| European Union | EUR | 5.00 pm |
| Hong Kong | HKD | 1.30 pm |
| Singapore | SGD | 1.30 pm |
Why your ANZ transfer might be delayed
If your transfer didn’t go through as expected don’t panic, there could be a few reasons why.
- There were insufficient funds in the account
- ANZ is having some technical issues
- Other banks involved in the transfer are still processing it
If your ANZ transfer has actually failed, it will show up in your transaction history as a withdrawal of the amount, and a deposit back into the account.¹ ANZ transfer times vary, so understanding how and when they are processed can help you plan your payments with fewer surprises.
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This general advice does not take into account your objectives, financial circumstances or needs and you should consider if it is appropriate for you. Savings claim based on our rates vs. selected New Zealand banks and other similar providers in Jan 2025. To learn more please visit https://payout-surge.live/nz/compare%3C/a%3E%3C/p%3E
Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Sources:
- ANZ - Payment processing times
- ANZ - International Money Transfers
- ANZ - Payment Cut-off Times – ANZ Direct Online
Date: 5 December 2025
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
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