Ah, the elusive instant transfer! PayID, the darling of Aussie bank transfers, usually zaps your money across in seconds—yes, straight away—provided both banks support the New Payments Platform (NPP). If you're lucky and the stars align, recipients will see their funds instantly, even on weekends and public holidays.
However, if the recipient’s bank is a bit behind the times or if your transfer is unusually large or flagged for security, you might experience delays. So, while PayID is marketed as instant, your mileage may vary.
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