In short: A Nedbank payment into an FNB account does not have one fixed clock. Timing depends on the rail you choose in Nedbank — usually a batched EFT, RTC / Instant Pay, or PayShap. PASA says EFT credits are not instantaneous and typically show later that day or a day or two later; RTC clears within 60 seconds at scheme level; PayShap is the Rapid Payment real-time credit. Nedbank Instant Pay: cleared in under 30 minutes. Nedbank PayShap FAQ: value is immediate once confirmed. Confirm the option name and fee in the Nedbank app before you pay. Not financial advice.
Sources: PASA — Credit Payments; Nedbank Instant Pay; Nedbank PayShap FAQ; Nedbank PayShap.
Same three rails — not a Nedbank-only clock
PASA credit-payments guidance is the industry baseline for interbank credit timing. It applies to Nedbank → FNB like other participating bank pairs. Full hub: bank transfer times in South Africa. Weekend angle: weekend banking transfer times.
- EFT credit: Batched. Successful instructions typically reflect later that day or a day or two later. After cut-off, weekends and public holidays, expect the next business processing window — do not promise a same-weekend arrival.
- RTC (Real-Time Clearing): PASA says cleared within 60 seconds, with funds available in the receiving account. Scheme maximums are R5 million on weekdays before 16:00 and R250 000 on weeknights, weekends and public holidays. Banks may set lower limits. Nedbank Instant Pay states clearance to other banks in under 30 minutes, including weekends and public holidays.
- PayShap / Rapid Payment: PASA describes PayShap as real-time credit using account details or a mobile proxy. Nedbank says the PayShap recipient has real-time value once confirmed. Nedbank publishes up to R50 000 at a time / per day on described channels — confirm live. FNB also participates in PayShap; confirm account or ShapID details in the app.
What to do in Nedbank
- Open the Money app or Online Banking and start a payment to the FNB account, or a ShapID if using PayShap.
- On confirmation, read whether you selected standard EFT, Instant Pay / RTC, or PayShap. The label is what you are buying.
- Check the displayed fee and your own daily limit. Nedbank Instant Pay FAQ starts at R10 000 and can be raised digitally up to R50 000 — confirm live.
- Keep proof of payment. If FNB has not credited after the selected rail, both banks support will need the reference, amount and time.
Why FNB may still not show the money
Wrong account number, a batched EFT still in flight, selecting EFT when you meant Instant Pay / PayShap, or a hold on the sending side are common causes. Credit payments are final and irrevocable once processed according to PASA. Nedbank Instant Pay and PayShap cannot be reversed once made — verify the FNB account or ShapID display name before confirming. Walkthroughs: track a pending EFT; money sent but not received.
Stay with published clocks only
- No fake Nedbank to FNB minute-by-minute timetable beyond what PASA and the banks publish.
- No per-bank fee table from hearsay — open Nedbank rates and fees for your account type.
- No unofficial USSD track code that claims to locate every interbank payment.
Related bank-pair keepers
Absa to Capitec · Standard Bank to Capitec · All-banks transfer hub
Last checked: September 2026 against PASA Credit Payments, Nedbank Instant Pay and Nedbank PayShap pages. Confirm fees, limits and option names in Nedbank and FNB before you pay. Not financial advice.