A payment to your account is considered to be made on the day that the payment is actually credited to your account. Depending on the payment method used, payments will normally be credited to your account the day they are processed. However, if there are delays in crediting a payment to your account the payment will be back-dated to the date it was processed for the purpose of calculating interest.

If you make a payment using Westpac One® online banking (a funds transfer), the date you did the transaction will be the date that the payment is applied. So, if you make your payment over the weekend, the effective date of your payment will be the day you did the transfer, although it won't show on your statement until after the next business day.

Conditions of Use for the applicable card apply