Can you receive money on public holidays?

Q: What happens when your payday falls on a public holiday Australia?

If payday does occur on a holiday or weekend, its standard practice for any organization to pay its employees the day before a holiday occurs.

Transfers made using a PayID or from one Beyond Bank account to another will be processed instantly and the funds will be available within seconds.

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Do payments come through on public holidays?
Do public holidays effect bank transfers?
Do banks process payments on public holidays Australia?
What happens when your payday falls on a public holiday Australia?

For transfers made on a public holiday or weekend, using BPAY or a BSB and account number, the funds will be debited from your account immediately, processed the next business day and will be available to the biller or recipient within 1-2 business days.

All payments except for those listed below, will be processed as normal. However, payments may not be processed where there are insufficient funds in your account or limits are exceeded.

Saturday, 25 December 2021	Christmas Day (National)	NAB Connect client centre closed
Monday, 27 December 2021	Christmas Day - Observed (National)	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Tuesday, 28 December 2021	Boxing Day - Observed (National)	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Saturday, 1 January 2021	New Year's Day - Observed (National)	NAB Connect client centre closed
Monday, 3 January	New Year’s Day (National)	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Monday, 17 January	Martin Luther King Day (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 17 January 2022 - Any other currency payments using a RTR or BTC rate source with a value date of 17 January 2022.
Wednesday, 26 January	Australia Day (National)	No processing will occur, except for fast payments which process 24/7.
Monday, 21 February	Presidents’ Day (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 21 February 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 21 February 2022.
Monday, 7 March	Labour Day (WA)	No export international trade service for Western Australian customers.
Monday, 14 March	Eight Hours Day (TAS), Labour Day (VIC), Adelaide Cup Day (SA), Canberra Day (ACT)	- No export international trade service for Northern Territory, South Australian, Tasmanian or Victorian customers. - Export international trade service for Australian Territory Capital customers through our Sydney office will be available as normal. - Any import international trade or international payments for customers in the affected states/territories, will be processed by International Operations Australia as normal.
Friday, 15 April	Good Friday (National)	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Monday, 18 April	Easter Monday (National)	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Tuesday, 19 April	Easter Tuesday (TAS)	All payments including Trade finance and Stop cheque requests sent this Tasmanian only public holiday will be processed as normal.
Monday, 25 April	ANZAC Day	NAB Connect client centre closed No processing will occur, except fast payments which process 24/7.
Monday, 2 May	May Day (NT)	No export international trade service for Queensland customers.
Labour Day (QLD)
Monday, 30 May	Memorial Day (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 30 May 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 30 May 2022.
Reconciliation Day (ACT)	All payments will be processed as normal.
Monday, 6 June	Western Australia Day (WA)	No export international trade service for Western Australian customers
Monday, 13 June	Queen's Birthday (All states/territories except QLD and WA)	- No import international trade or international payments transaction capability value dated Monday 13 June 2022. - Any international payments or import international trade transactions customers sent to NAB after the published cut-off times on Friday 10 June 2022 will be processed the following Tuesday with a payment date of 14 June 2022. - No urgent domestic funds transfer capabilities to other financial institutions available. - No redraw or repayment capability on Business Market Loans and Corporate Market Loans. Please complete requests prior to cut-off times on Friday 10 June 2022 or submit a future dated transaction for processing on Tuesday 14 June 2021.
Monday, 20 June 2022	Juneteenth - Observed (USA)	You won't be able to submit: - Any International payments in USD currency with a value date of 20 June 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 20 June 2022.
Monday, 4 July	Independence Day (USA)	You won't be able to submit: - Any International payments in USD currency with a value date of 4 July 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 4 July 2022.
Monday, 1 August	Bank Holiday (NSW)	- No redraw or repayment capability on Business Market Loans and Corporate Market Loans. Please complete requests prior to cut-off times on Friday 29 July 2022 or submit a future dated transaction for processing on Tuesday 2 August 2022. - No international payments transaction capability using Real Time Rates or newly booked FX deals value dated 1 August 2022. - There will be no Export International Trade service for New South Wales and Australian Capital Territory customers. - No import international trade value dated Monday 1 August 2022. - The Export International Trade service for Northern Territory customers will be provided as normal by our Adelaide office on Monday 1 August 2022.
Picnic Day (NT)
Wednesday, 10 August	Royal Queensland Show (Brisbane CBD and metropolitan areas only)	- There will be no Export International Trade service for Queensland customers. - Any import international trade or international payments for Queensland customers on Wednesday 10 August 2022, will be processed by International Operations Australia as normal.
Monday, 5 September	Labor Day (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 5 September 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 5 September 2022.
Thursday, 22 September	National Day of Mourning	NAB Connect client centre closed No processing will occur, except Fast Payments which process 24/7.
Friday, 23 September	Friday before AFL Grand Final (VIC)	- No export international trade service for Victorian customers. - Any import international trade or international payments for Victorian customers will be processed by International Operations Australia as normal.
Monday, 26 September	Queen’s Birthday (most regions of WA)	- No export international trade service for Western Australian customers. - Any import international trade or international payments for Western Australian customers will be processed by International Operations Australia as normal.
Monday, 3 October	Labour Day (ACT, NSW and SA)	- No redraw or repayment capability on Business Market Loans and Corporate Market Loans. Please complete requests prior to cut-off times on Friday 30 September 2022 or submit a future dated transaction for processing on Tuesday 4 October 2022. - No export international trade service for Australian Capital Territory, New South Wales, Northern Territory, Queensland and South Australian customers. - No import international trade or international payments transaction capability value dated Monday 3 October 2022. - Any international payments or import international trade transactions customers sent to NAB after the published cut-off times on Friday 30 September 2022 will be processed the following Tuesday with a payment date of 4 October 2022.
Queen’s Birthday (QLD)
Thursday, 6 October	Royal Launceston Show (Launceston and surrounding towns only)	The export international trade service for Launceston customers will be available through our Melbourne office as normal.
Monday, 10 October	Columbus Day (USA)	All international payments requiring a currency exchange rate should be submitted with a payment date of either Friday 7 October 2022 or Tuesday 11 October 2022.
Thursday, 20 October	Royal Hobart Show (Hobart and surrounding towns only)	The export international trade service for Hobart customers will be available through our Melbourne office as normal.
Tuesday, 1 November	Melbourne Cup (VIC)	- There will be no export international trade service for Tasmanian or Victorian customers. - Any import international trade or international payments for Victorian customers will be processed by International Operations Australia as normal.
Friday, 11 November	Veterans Day (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 11 November 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 11 November 2022.
Thursday, 24 November	Thanksgiving (USA)	You won’t be able to submit: - Any International payments in USD currency with a value date of 24 November 2022. - Any other currency payments using a RTR or BTC rate source with a value date of 24 November 2022.
Monday, 26 December	Christmas Day - Observed (National)	No processing will occur, except fast payments which process 24/7.
Tuesday, 27 December	Boxing Day (National)	No processing will occur, except fast payments which process 24/7.
Monday, 2 January 2023	New Year’s Day (National)	No processing will occur, except fast payments which process 24/7.

For Daylight Savings information refer to the the payment cut off information.

Tips to ensure beneficiaries receive their funds on the nominated date of payment:

1. Future Date Your Payments

- BPAY, fast, direct credit, direct debit, domestic and payroll payments can be submitted up to 90 days in advance.

- International ‘bank to convert’ payments can be submitted up to three business days in advance. Please note that this is dependent on the rate source used.

2. Submit your payments early

Ensure you have submitted and fully authorised your payments in advance.

Refer to the payment cut off times for more information.

NAB Connect Client Centre

We’d like to let you we’re available on 1300 888 413 (option 1) Monday to Friday between 7.30am and 8pm AEST/AEDT and Saturday between 9am and 2pm AEST/AEDT to assist with product support.