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Real-time Gross Settlement (RTGS)

Other Payments

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Related Info

Real-time Gross Settlement (RTGS)

Make and receive high-value, intra-day domestic payments

Real Time Gross Settlement (RTGS) payment is a means of making high-value intra-day payments between financial institutions in Australia. RTGS is also the system banks use for the domestic settlement of inward international funds transfers, using Swift messaging.

Cuscal’s status as an Exchange Settlement Account (ESA) holder with the Reserve Bank of Australia (RBA) enables us to provide our clients with access to RTGS processing.

We provide our clients with access to the RTGS system via a highly secure web-based service, using a secure extranet or Internet connection and two-factor authentication.

It’s your gateway to receiving all domestic high-value, and international payments (AUD only).

International Funds Transfer Instructions

International Funds Transfers (TTs/Wire/Swift Transfers) in favour of accounts with Cuscal Limited (CUSCAU2SXXX) should be sent in accordance with the following instructions.

Please advise the overseas remitting bank to convert foreign currency to Australian Dollars to avoid rejection.

Standard Settlement Instructions (SSI) Information for the remitting bank

  • Beneficiary Bank

Cuscal Limited 1 Margaret Street SYDNEY NSW 2000 AUSTRALIA

  • Cuscal Limited Swift Code


  • Domestic Bank/Branch identifier (BSB) and Cuscal client name

BSB as advised by the Cuscal client, generally displayed as XXX-XXX 

  • Beneficiary Account Number

Transaction account number (maximum of nine digits) 

  • Beneficiary Name

The name of the beneficiary XXXXXXX 

  • Intermediary Bank Swift Code

Please contact the sending institution for Intermediary Bank SWIFT code.

Key Takeaways

  • Real-time Gross Settlement (RTGS) is a means of making high-value intra-day payments between banks in Australia.
  • Cuscal accepts domestic AUD transactions only.
  • Cuscal accepts International AUD payments routed via a correspondent bank and settled with Cuscal locally via RTGS.