Payment
processing
How and when your online payments are made
We're making a few updates to how we process payments to make everyday banking smoother and more predictable.
What's changing
From 19 May 2026, we’re updating how payments are handled during the banking day.
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The banking day will run later and payments will be processed up until 11:00pm each day
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Payments will move in and out of your account more often during the day
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Direct debits may be declined if there isn’t enough money in your account, instead of your account being overdrawn
Online payments continue to be processed seven days a week, including public holidays.
What this means for you
- Payments you make before 11:00pm will be sent that day
- Payments you make after 11:00pm will be sent in the morning of the next day
- More time to approve payments on accounts that need two people to authorise
- More payment processing during the day can help with cash flow
- If there are insufficient funds in your account to process an upcoming direct debit, we'll attempt to send you a message to your mobile phone so you can add funds if needed
A few simple things to check
You don't need to take action, but these small steps can help:
- Keep an eye on upcoming payments and direct debits
- Make sure there's enough money in your account when payments are due
- Check we have your up to date contact details, especially your mobile phone and email address
Internet and mobile banking helps
With NBS Internet Banking and the NBS Mobile Banking app you can:
- Check balances and payments anytime
- Move money between your accounts instantly
- Make payments to other banks during the day
- Approve payments securely
- Message us securely via NBS Internet Banking or the NBS Mobile Banking app if you need help