Centrelink payments typically arrive in your bank account very early in the morning (around midnight to 6 AM) on the due date, but the exact time varies by bank and location; major banks often process them overnight for early morning availability, though some smaller banks or specific circumstances might delay it to the next business day, with common times being 1-2 AM for Commonwealth Bank (CommBank) or NAB, and slightly later for others like St. George or ING.
Centrelink payments don't have one specific time; they usually arrive in your bank account overnight or early the next morning (midnight to 6 AM) after processing, but exact times vary by bank and your reporting schedule. While Centrelink processes payments, your bank determines when the funds become available, with some banks like Commonwealth and Bendigo often credited earlier than others like ANZ or Westpac, and you can often change your payment day for better budgeting.
Bacs payments will usually go into an account between 01:00 and 07:00. This is the standard Bacs payment time, so if a payment doesn't arrive by 07:00, it may be processed the next working day.
At Suits Me, the Department for Work and Pensions (DWP) payments are credited to your account as soon as we receive them, often in the early hours of the scheduled payment date. Most of our customers find that their funds arrive between midnight and 6 AM, although the exact timing may vary a bit.
Most transactions post at the end of each business day but posting order and times can vary. Business days for banks are generally Monday - Friday from 9am to 5pm, excluding federal holidays. Transactions received outside of these hours, including on weekends, are usually posted on the next business day.
The short answer is that most people get their direct deposits by around 9 a.m. local time on payday, though some banks may release the money even earlier (sometimes right after midnight if they receive your employer's payroll file ahead of schedule). ¹ That said, the exact timing of when direct deposit hits can vary.
Not using Fast Payments
In most cases, you'll get your first JobSeeker Payment around 2 weeks after we approve your claim. You may have to wait if any waiting periods apply. Once your payment starts, we'll pay you fortnightly.
Conventionally, many companies pay their employees monthly. This means that there are 12 paydays in a year, which normally fall on the last day of the month.
Steps to rectify a late payment and prevent credit reporting impacts
Funds that are directly deposited into a bank account typically go through before 9 a.m. but can arrive as early as midnight. The variability in the amount of time it can take is largely due to the payer's timeframe to release funds.
Biweekly. Biweekly is one of the most common payroll schedules and is when you get paid twice monthly on the same day of the week, usually on alternating Fridays. For example, if you get paid on Friday, you'll receive another paycheck two Fridays later on a biweekly schedule.
The service will connect you to one of our staff. We're available: 8 am to 8 pm local time. Monday to Friday.
However, most BACS payments are made between 1am and 7am on any given day. If your employee has not received their wages by 7am on the allocated date, then it is likely that they will have to wait until the next day.
The $4,000 Centrelink payment isn't a direct cash payment but a one-time boost to the Work Bonus income bank for eligible pensioners (Age Pension, Disability Support Pension, Carer Payment) over Age Pension age, starting January 1, 2024, with an increased maximum balance of $11,800, allowing them to earn more without reducing their pension. You get this $4,000 starting credit automatically if you're a new claimant or haven't received a previous $4,000 boost, effectively giving you a $4,000 buffer to earn income before Centrelink reduces your pension.
Most businesses will make BACS payments, which usually enter the employee's bank account between 1am and 7am on payday.
If you have a late direct deposit, there are several possible explanations, such as bank holidays, processing errors, incorrect bank account information, payroll processing timelines, and other delays.
The cut-off time for loan payments completed via the Online Payment Portal is 5:00 PM CST. Loan payments made on any Monday through Friday that is not a bank holiday will be received and credited as of the scheduled date. Payments made after 5:00 PM CST will be received and credited on the next business day.
What time does Universal Credit go into my bank account? Universal Credit is normally paid shortly after midnight on the day of your payment, although some banks may deposit the funds earlier at around 11.30pm the night before. It all depends on who your bank or building society is.
There are no extra payments for Centrelink customers. If you're not sure if Centrelink information you've seen online is real, search our genuine websites. See the link in the comments for more info 👇 The Guringai Festival had a story about a $750 one off payment for pensioners in December, 2025.
No, Centrelink does not have real-time access to your bank accounts, but they can get detailed information through data matching with the ATO or by requesting statements during investigations, especially for fraud, and you are required to report changes in assets like significant bank balance increases. They rely on you updating your details, but inconsistencies between what you report and what other agencies know can trigger deeper reviews, so honesty and timely updates are crucial to avoid debt or penalties.
If you don't have to report to get your payment, we may pay you early. An early payment is your normal payment, just paid early.
Most domestic wires complete on the same business day if you send them before the bank's cutoff time, typically between 2pm and 5pm local time, though some go as late as 11pm. If you send a transfer after the cutoff, or on weekends or holidays, processing starts on the next business day.
Automatic payments, regular online payments, upcoming online payments, and tax payments are processed twice a day at 9.30am or 10.45pm if you have sufficient funds. If you don't have funds available at either 9:30am or 10.45pm that day, the payment will be dishonoured.