Wire transfer is the fastest mode of receiving money in your Bendigo Bank account from abroad. You can receive money into your Bendigo Bank account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Bendigo Bank

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Bendigo Bank account, please provide the following wire instructions to the sending financial institution:

Bank Name: Bendigo Bank
SWIFT BIC Code for Bendigo Bank: For Bendigo Bank, this code is BENDAU3B
BSB Code: 633-000
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Bendigo Bank account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Bendigo Bank account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Bendigo Bank Australia

International Incoming Wire Transfer Fees for Bendigo Bank is as follows:

International incoming transaction fee Cost
Payments in Australian Dollars $2 per transaction
Payments in Foreign Currency $10 per transaction

Outgoing Wire Transfer Fees for Bendigo Bank Australia

International Outgoing Wire Transfer Fees for Bendigo Bank is as follows:

International outgoing transaction fee Cost
Telegraphic Transfers $30 per transaction

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Bendigo Bank Australia

1. The Wire Transfer Cutoff Time for Bendigo Bank differs. Please visit your nearest branch for cut-off time..
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Bank of Queensland account from abroad. You can receive money into your Bank of Queensland account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Bank of Queensland

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Bank of Queensland account, please provide the following wire instructions to the sending financial institution:

Bank Name: Bank of Queensland
SWIFT BIC Code for Bank of Queensland: For Bank of Queensland, this code is QBANAU4B
BSB Code: 124-001
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Bank of Queensland account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Bank of Queensland account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Bank of Queensland Australia

International Incoming Wire Transfer Fees for Bank of Queensland is as follows:

International incoming transaction fee Cost
International Money Transfers from overseas $10

Outgoing Wire Transfer Fees for Bank of Queensland Australia

International Outgoing Wire Transfer Fees for Bank of Queensland is as follows:

International outgoing transaction fee Cost
International Money Transfers sent overseas $30

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Bank of Queensland Australia

1. The Wire Transfer Cutoff Time for Bank of Queensland for both Incoming and Outgoing is processed from 10:30 am to 5 pm depending on currency or country.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Bankwest account from abroad. You can receive money into your Bankwest account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Bankwest

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Bankwest account, please provide the following wire instructions to the sending financial institution:

Bank Name: Bankwest
SWIFT BIC Code for Bankwest: For Bankwest, this code is BKWAAU6P
BSB Code: Located on your paper statements or eStatements
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Bankwest account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Bankwest account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Bankwest Australia

International Incoming Wire Transfer Fees for Bankwest is as follows:

International incoming transaction fee Cost
To Receive funds into your Bankwest account from overseas $10

Outgoing Wire Transfer Fees for Bankwest Australia

International Outgoing Wire Transfer Fees for Bankwest is as follows:

International outgoing transaction fee Cost
To Send funds overseas in Australian or foreign currency via online banking $20
To Send funds overseas in Australian or foreign currency via a Bankwest store $35

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Bankwest Australia

1. The Cutoff Time for Wire Transfer through online for both Incoming and Outgoing for Bankwest is 5 pm.
2. The Cutoff Time for Wire Transfer made at any branch of the Bankwest is 1:45 pm.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Suncorp Bank account from abroad. You can receive money into your Suncorp Bank account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Suncorp Bank

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Suncorp Bank account, please provide the following wire instructions to the sending financial institution:

Bank Name: Suncorp Bank
SWIFT BIC Code for Suncorp Bank: For Suncorp Bank, this code is METWAU4B
BSB Code: 484-799
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Suncorp Bank account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Suncorp Bank account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Suncorp Bank Australia

International Incoming Wire Transfer Fees for Suncorp Bank is as follows:

International incoming transaction fee Cost
International Money Transfers from overseas No fee applies unless payment is received as a Real Time Gross Settlement (RTGS).
A fee of $2.50 applies for RTGS inward payments

Outgoing Wire Transfer Fees for Suncorp Bank Australia

International Outgoing Wire Transfer Fees for Suncorp Bank is as follows:

International outgoing transaction fee Cost
International Transfers from Internet Banking $20
International Transfers via the branch $30

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Suncorp Bank Australia

1. The Wire Transfer Cutoff Time for Westpac Bank differs. Please visit your nearest branch for cut-off time.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your AMP Bank Ltd account from abroad. You can receive money into your AMP Bank Ltd account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to AMP Bank Ltd

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your AMP Bank Ltd account, please provide the following wire instructions to the sending financial institution:

Bank Name: AMP Bank Ltd
SWIFT BIC Code for AMP Bank Ltd: For AMP Bank Ltd, this code is AMPAU2SRET
BSB Number for AMP Bank Ltd: 939-200
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete AMP Bank Ltd account number
(including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your AMP Bank Ltd account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for AMP Bank Ltd Australia

International Incoming Wire Transfer Fees for AMP Bank Ltd is as follows:

International incoming transaction fee Cost
Domestic or Overseas Telegraphic Transfer, Inwards $10

Outgoing Wire Transfer Fees for AMP Bank Ltd Australia

International Outgoing Wire Transfer Fees for AMP Bank Ltd is as follows:

International outgoing transaction fee Cost
Domestic or Overseas Telegraphic Transfer,
Purchase Overseas or Local Currency
$35

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for AMP Bank Ltd Australia

1. The Wire Transfer Cutoff Time for AMP Bank Ltd for both Incoming and Outgoing is 4 pm.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Macquarie Bank account from abroad. You can receive money into your Macquarie Bank account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Macquarie Bank

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Macquarie Bank account, please provide the following wire instructions to the sending financial institution:

Bank Name: Macquarie Bank
SWIFT BIC Code for Macquarie Bank: For Macquarie Bank, this code is MACQAU2SXXX
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Macquarie Bank account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Macquarie Bank account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Macquarie Bank Australia

International Incoming Wire Transfer Fees for Macquarie Bank is as follows:

International incoming transaction fee Cost
International Telegraphic Transfer from overseas $30 per each transaction

Outgoing Wire Transfer Fees for Macquarie Bank Australia

International Outgoing Wire Transfer Fees for Macquarie Bank is as follows:

International outgoing transaction fee Cost
International Telegraphic Transfer sent overseas $30 per each transaction

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Macquarie Bank Australia

1. The Wire Transfer Cutoff Time for Macquarie Bank for both Incoming and Outgoing is 12 pm.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Westpac Bank account from abroad. You can receive money into your Westpac Bank account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Westpac Bank

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Westpac Bank account, please provide the following wire instructions to the sending financial institution:

Bank Name: Westpac Bank
SWIFT BIC Code for Westpac Bank: For Westpac Bank, this code is WPACAU2S
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Westpac Bank account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Westpac Bank account, You need to know the following information about the person or company receiving the money:
1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Westpac Bank Australia

International Incoming Wire Transfer Fees for Westpac Bank is as follows:

Payment Type Cost
Into your account $12
Into an account at another local bank in Australian dollars $24
Into an account at another local bank in foreign currency $50

Outgoing Wire Transfer Fees for Westpac Bank Australia

International Outgoing Wire Transfer Fees for Westpac Bank is as follows:

Payment Type Cost
When sending over the internet $20
When requesting at a branch $30
When requesting at a branch to Pacific Westpac accounts only $10

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Westpac Bank Australia

1. The Wire Transfer Cutoff Time for Westpac Bank differs. Please visit your nearest branch for cut-off time.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your National Australia Bank (NAB) account from abroad. You can receive money into your National Australia Bank account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to National Australia Bank

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your National Australia Bank account, please provide the following wire instructions to the sending financial institution:

Bank Name: National Australia Bank
SWIFT BIC Code for National Australia Bank: For National Australia Bank, this code is NATAAU3303M
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete National Australia Bank account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your National Australia Bank account, You need to know the following information about the person or company receiving the money:

1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for National Australia Bank (Australia)

International Incoming Wire Transfer Fees for National Australia Bank is as follows:

Transfers to NAB in Australian or overseas currency:
Deposited to NAB account Up to $15
Deposited to non- NAB account (NAB acting as intermediary) Up to $30
Transfers of overseas currency received by NAB and transferred to another bank unconverted:
NAB Customer (or) Non-NAB Customer Up to $35

Outgoing Wire Transfer Fees for National Australia Bank (Australia)

International Outgoing Wire Transfer Fees for National Australia Bank is as follows:

Payment type Cost
International Money Transfer via NAB Internet Banking
(in Australian dollars and foreign currency)
$22
Over The Counter
(in Australian dollars and foreign currency)
$30

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for National Australia Bank (Australia)

1. The Wire Transfer Cutoff Time for National Australia Bank for both Incoming and Outgoing is processed from 10 am to 5 pm depending on currency or country.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Commonwealth Bank of Australia (CBA) account from abroad. You can receive money into your Commonwealth Bank of Australia (CBA) account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Commonwealth Bank of Australia

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Commonwealth Bank of Australia account, please provide the following wire instructions to the sending financial institution:

Bank Name: Commonwealth Bank of Australia
SWIFT BIC Code for Commonwealth Bank of Australia: For Commonwealth Bank of Australia, this code is CTBAAU2S
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Commonwealth Bank of Australia account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Commonwealth Bank of Australia account, You need to know the following information about the person or company receiving the money:

1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Commonwealth Bank of Australia

International Incoming Wire Transfer Fees for Commonwealth Bank of Australia is as follows:

International incoming transaction fee Cost
International Money Transfers from overseas 3.00% for transactions in Australian dollars

Outgoing Wire Transfer Fees for Commonwealth Bank of Australia

International Outgoing Wire Transfer Fees for Commonwealth Bank of Australia is as follows:

International outgoing transaction fee Cost
International Money Transfers sent overseas 3.00% for transactions in Australian dollars

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Commonwealth Bank of Australia

1. The Wire Transfer Cutoff Time for Commonwealth Bank of Australia for both Incoming and Outgoing is listed as per location wise.
2. Any requests received after cutoff time will normally be processed the next working day.

Wire transfer is the fastest mode of receiving money in your Australia and New Zealand Banking Group (ANZ) account from abroad. You can receive money into your Australia and New Zealand Banking Group (ANZ) account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Australia and New Zealand Banking Group (ANZ)

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Australia) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Australia and New Zealand Banking Group (ANZ) account, please provide the following wire instructions to the sending financial institution:

Bank Name: Australia and New Zealand Banking Group (ANZ)
SWIFT BIC Code for Australia and New Zealand Banking Group (ANZ): For Australia and New Zealand Banking Group (ANZ), this code is ANZBAU3M
Branch Name & Address: Your bank branch name and address
Beneficiary Account Number: Your complete Australia and New Zealand Banking Group (ANZ) account number (including leading zeros, if any)
Beneficiary Name: The full name of your account as it appears on your statement
Beneficiary Address: Your complete address

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Australia and New Zealand Banking Group (ANZ) account, You need to know the following information about the person or company receiving the money:

1. The recipient’s full name and address
2. The recipient’s IBAN or account number
3. Full bank name, address and the SWIFT/BIC code or Branch Number

Incoming Wire Transfer Fees for Australia and New Zealand Banking Group (ANZ) (Australia)

International Incoming Wire Transfer Fees for Australia and New Zealand Banking Group (ANZ) is as follows:

International Money Transfers from overseas Cost
Payments paid directly to an ANZ account Up to $15
Payments to non-customers or
transferred to another bank in Australia
Up to $25
Unconverted payments $35

Outgoing Wire Transfer Fees for Australia and New Zealand Banking Group (ANZ) Australia

International Outgoing Wire Transfer Fees for Australia and New Zealand Banking Group (ANZ) is as follows:

International Money Transfers sent overseas Cost
Transfer through ANZ Internet Banking $18
Transfer through ANZ Phone Banking $32
Transfer at an ANZ branch $32

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Australia and New Zealand Banking Group (ANZ) Australia

1. The Wire Transfer Cutoff Time for Australia and New Zealand Banking Group (ANZ) for both Incoming and Outgoing is 5 pm.
2. Any requests received after cutoff time will normally be processed the next working day.