刚发了一篇关于新西兰跨行转帐的博客，
以Westpac 转 ASB 为例， Westpac 转出的钱会每小时运行一次（9点半到22点之间）。
– Online payments to other banks are processed hourly between 9:30am and 10:00pm on business days. (This would reflect in the receiving bank within an hour or two, if they process intra-day payments)
westpac.custhelp.com/app/answers/detail/a_id/871/~/how-long-does-it-take-you-to-process-payments%3F
而ASB只要在半夜12点前收到的钱，都会在一小时之内到帐。
From 9am until midnight any payment received by ASB from another bank will be credited to the appropriate account within an hour.
www.asb.co.nz/banking-with-asb/interchange-between-banks.html
所以，只要在晚上十点钟以前从WESTPAC转钱到 ASB， 钱会在11点之前进入ASB的帐户。
所以， 跨行转帐并不需要隔夜，除非转帐的时间操过晚上十点。 当然，每个银行的Cutoff Time是不一样的，所以要搞清楚转出行和转入行的结算时间，最好白天转好。