nevermind, just found out. according to
http://www.nab.com.au/wps/wcm/connect/nab/nab/home/Personal_Finance/12/11/10/#17
Funds will be deposited into the payee's account
in most cases on the next business day
a business day before 6pm Melbourne time
So for QBE to receive the funds on Monday it needed to have been made before 6pm today.
Might have just missed it bugger
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