Same-name rule
Deposits and withdrawals must run between your own verified accounts. Third-party payments are returned, because returning them is faster than untangling them.
PAYMENTS · AU RAILS
Deposit and Withdrawal Methods
Money movement on Steadfast Cargence runs on payment methods Australians already use every day. Every method below is free of platform charges on both sides, and processing times are the honest ones: instant where the rails are instant, business days where the banking system needs them.
Withdrawal methods
| Payment method | Type | Fee | Processing time | Details |
|---|---|---|---|---|
| Bank transfer (PayID / NPP) | Bank transfer | Free | 1 to 3 business days | Withdrawals go to an Australian account held in your own verified name. NPP-eligible accounts are usually credited the same business day; where a receiving bank routes a payment outside the NPP, allow up to 3 business days. |
| Visa | Debit or credit card | Free | 1 to 3 business days | Where your issuer supports it, withdrawals are returned to the same Visa card used for deposits. Final posting depends on the issuer, which is why the honest window is 1 to 3 business days. |
| Mastercard | Debit or credit card | Free | 1 to 3 business days | Refunds of deposits and eligible withdrawals can be returned to the originating Mastercard. Processing speed depends on the issuing bank and the card scheme. |
| PayPal | Digital wallet | Free | 1 to 3 business days | Withdrawals are sent to the PayPal account that funded your deposits. From there you can move the money to your linked bank account at PayPal's own pace. |
Withdrawals are subject to the checks and timelines on the Withdrawal Policy page: verified identity, withdrawals to accounts in your own name, and review of requests outside your account's usual pattern.
Deposit methods
| Payment method | Type | Fee | Processing time | Details |
|---|---|---|---|---|
| Bank transfer (PayID / NPP) | Bank transfer | Free | Instant | The fastest way to fund an account from an Australian bank. You pay to a PayID or BSB and account number from your banking app; NPP payments generally land in under a minute, 24 hours a day, including weekends. |
| Visa | Debit or credit card | Free | Instant | Fund with a Visa debit or credit card. After authorisation, and any 3-D Secure check your bank applies, the deposit is normally credited immediately. |
| Mastercard | Debit or credit card | Free | Instant | Mastercard deposits are authorised in-app or in-browser and credited straight away once your bank's identity check, where triggered, is passed. |
| PayPal | Digital wallet | Free | Within 24 hours | Connect your PayPal balance or the card and bank account behind it. After confirmation, deposits are usually credited the same day, with a 24-hour window as the outer limit. |
Points worth knowing before you move money
When processing starts
Requests are actioned during support hours, Monday to Friday, 8:30 to 17:30 AEST. A withdrawal requested Friday evening is actioned Monday morning.
Currency
Accounts operate in Australian dollars. Amounts arriving in another currency are converted at the rates on the Fees page, shown before you confirm.