We've designed our payment process to try and make as many payments as possible for you. This may mean that some lower value payments are made before higher value payments if you don't have enough money in your account to make all of the payments you've set up to be made that day.
If we can’t make a payment because you don't have enough money in your account, we'll continue to try throughout the day on business days. We call this a 'retry'. Our final retry is made at 4am the morning of the following business day. For direct debits however, the final attempt is midnight on the day the direct debit is due.
If you don’t have enough money in your account on our final retry, the payment may fail, be dishonoured or we may choose to make the payment anyway. If we choose to make the payment and your account becomes overdrawn, a fee and interest may apply. See more about the fees and interest that apply to overdrawn accounts.
So we can make your payments on the date requested, and to avoid possible fees and interest charges, please make sure there is enough money in your account to cover them.