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Banking & payment system non-processing days
Public holidays can affect when banks process and settle transactions.
These delays are driven by payment system rules and not by Zai’s operations.
You and your customers can initiate payments on any day, but some systems do not process or exchange payments on weekends or public holidays, which affects when the recipient receives funds. The impact varies between traditional and modern payment systems.
Traditional Payment Systems
Traditional payment systems such as Direct Debit, Direct Credit (the Direct Entry system), and BPAY only process transactions on banking business days. A banking business day is Monday to Friday, excluding public holidays recognised on the same date in both NSW and Victoria.
The table below lists the public holidays in 2025, 2026, and 2027 that are not banking business days and will add one additional day to expected settlement times.
Modern Payment Systems
The New Payments Platform (NPP), including Osko and PayTo, operates 24/7 and continues processing every day of the year.
Banking non-processing weekdays for 2025–2027
|
Holiday |
2025 |
2026 |
2027 |
|
New Year’s Day |
Wed 1 Jan |
Thu 1 Jan |
Fri 1 Jan |
|
Australia Day |
Mon 27 Jan* |
Mon 26 Jan |
Tue 26 Jan |
|
Good Friday |
Fri 18 Apr |
Fri 3 Apr |
Fri 26 Mar |
|
Easter Monday |
Mon 21 Apr |
Mon 6 Apr |
Mon 29 Mar |
|
ANZAC Day |
Fri 25 Apr |
N/A** |
N/A** |
|
King’s Birthday |
Mon 9 Jun |
Mon 8 Jun |
Mon 14 Jun |
|
Christmas Day |
Thu 25 Dec |
Fri 25 Dec |
Mon 27 Dec* |
|
Boxing Day |
Fri 26 Dec |
Mon 28 Dec* |
Tue 28 Dec* |
* Public holiday observed in lieu of a special day occurring on a weekend.
** When ANZAC Day falls on a weekend, there is no nationally recognised substitute holiday, so banking business days are unaffected.