For a BPAY payment request the cut off time is 6:00 pm (AEST)^** on a business day. The following table will assist you to understand when your BPAY payment will be processed:

From Account

When was BPAY payment requested

Same day

Next business day

Credit Card or Account#

Before 6.00 pm (AEST)^** on a business day*

Credit Card or Account#

On a non-business day* or after 6.00^** pm (AEST) on a business day

#Account means a Transaction Account, Savings Account, Investment Account, Loan Account, Line of Credit Account, Business Account, Cheque Account, or another non-credit card account.

*A business day is defined as any day on which BOQ head office is open for business that is also a day on which banks in Melbourne or Sydney are able to effect settlement through Reserve Bank of Australia.

** During NSW Daylight Savings Time period the cutoff will be 5:00pm (AEST).