Both NAB and ANZ support PayID, so AUD transfers to and from your iJoker88 account settle in minutes on Australia's real-time payments network rather than waiting for business-day batches. The setup differs slightly between the two apps, and each has its own approach to transfer limits — this page covers both, plus what to check when something doesn't arrive.
Last reviewed: September 2026
You only need your own PayID to receive withdrawals. Sending a deposit doesn't require one.
One identifier, one account, across all banks. A PayID can only be registered to a single account at a time nationally. If your mobile number is already linked at another bank, remove it there before registering it with NAB or ANZ.
The process is the same at both banks.
Pay only from an account in your own name. A joint account you're named on is generally fine. A payment from someone else's account cannot be credited and has to be returned, which takes far longer than the deposit would have.
Both banks may hold your first payment to a new PayID for up to 24 hours as a fraud precaution. This is standard across Australian banking and applies to any new recipient, not just gaming sites.
The hold sits entirely at your bank. The payment hasn't failed, and nothing on the iJoker88 side can release it. Later payments to the same identifier go through at normal speed. Sending a small first payment in advance clears the hold before you actually need it.
Both banks cap outgoing payments, and defaults are often lower than expected on newer accounts or to recently added payees. A payment over the limit may be declined or held without a clear notification.
Limits are adjustable in each app's security or payment settings. Increases usually need a verification step and can take effect after a short delay, so it's easier to check and adjust before you need it.
ANZ has been moving customers onto ANZ Plus, and the two platforms organise payment settings differently. If a guide's instructions don't match what you see on screen, you may be on the other platform — check which app you have before assuming something is broken.
Withdrawals use the same rails in reverse, with an approval step first. Once approved, the transfer generally completes within 5–15 minutes, seven days a week.
Approval is the variable part. Three things decide how quickly it clears:
If a payout is pending, the pending withdrawal guide works through which of the three it is.
| Method | Deposit | Withdrawal | Weekends |
|---|---|---|---|
| NAB / ANZ PayID | 1–3 minutes | Yes | Yes |
| Bank transfer | 1–3 business days | Yes | No |
| POLi | Minutes | No | Yes |
| BPAY | 1–2 business days | No | No |
| Neosurf | Instant | No | Yes |
Yes, both offer PayID as a standard feature. Whether any particular payment completes depends on each bank's own policies and your account settings, the same as with any recipient.
The underlying payment works the same way, but ANZ Plus organises settings differently from the classic ANZ app. If instructions don't match what you see, check which app you're using before assuming something is wrong.
Australian banks commonly hold the first payment to a new PayID for up to 24 hours as a fraud precaution. It applies to any new recipient and happens at the bank's end. Later payments to the same identifier go through normally.
Both banks let you adjust it in the app's security or payment settings. Increases usually require verification and may take a short time to apply, so it's worth doing before you need it.
No. A PayID identifier can only be linked to one account at a time across all Australian banks. Remove it from the first bank before registering it with the second.
Once approved, generally 5–15 minutes by PayID, any day of the week. Approval time depends on identity verification, name matching, and whether you have outstanding bonus wagering.
Yes. Any bank transfer appears on your statement with recipient details. If you'd prefer no bank record, Neosurf vouchers are bought with cash — though they're deposit-only, so you'll still need a bank account to be paid out.
The payment isn't lost, just unmatched. Send support a screenshot showing the amount, timestamp and your account username, and it can be matched by hand.
Play within your means. Real-time transfers remove the pause that used to sit between deciding to deposit and the money actually moving. Set a deposit limit in your account settings before your next session and treat it as a hard ceiling. Strictly 18+.
iJoker88 provides deposit limits, session reminders, cool-off periods and self-exclusion — see the responsible gambling tools guide for how to switch them on.
Need to talk to someone? Gambling Help Online offers free, confidential support to Australians 24/7 on 1800 858 858, or at gamblinghelponline.org.au.