Get Your Tax Refund no paperwork
no appointments
no worries Sooner with Next Day Refund
Need access to your tax refund fast?
Eligible One Click Life customers can access up to $1,000 or 50% of their estimated tax refund the next business day after lodging their tax return online.
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Next Day Refund is a tax refund advance that lets eligible customers access part of their estimated tax refund sooner, before the ATO completes processing and pays their refund. T&Cs and fees apply.
Get up to $1,000 Sooner
$1,000
Access up to 50% of your estimated tax refund, up to $1,000
2026 tax return
Available when you lodge your 2026 Tax Return with One Click Life
Simple
Simple online process that takes under 10 minutes
next business day
Apply today and receive funds the next business*
refund advance
Your tax refund is used to repay the advance
*For approved applicants only. Terms and conditions apply.
Trusted by over 250,000 Australians
Registered Tax Agent
Online tax return in minutes
Secure identity verification
Australian-based support team
Live help from qualified accountants
What is a Next Day Refund?
A Next Day Refund is a tax refund advance that allows eligible customers to access part of their estimated tax refund before the ATO completes processing their return.
Instead of waiting for the ATO to process your return and release your refund, One Click Life may advance part of your expected refund earlier. Any remaining refund balance is paid after the ATO releases your refund, after fees and any amounts owing have been deducted.
Key Features
- Access up to $1,000 or 50% of your estimated tax refund
- Available after lodging your tax return with One Click Life
- Total fees for a standard Next Day Refund tax return start from $207
- Simple online process
- No branch visits, appointments or paperwork
- Remaining refund paid once released by the ATO
Ready to Get Your Refund Sooner?
Apply for your tax return online today and see if you’re eligible for Next Day Refund.
How Much of My Tax Refund Can I Get Next Day?
Eligible customers may receive up to $1,000 or up to 50% of their estimated tax refund, whichever amount is lower
Example 1
Estimated refund: $2,500
Maximum Next Day Refund: $1,000
Remaining balance: Paid after the ATO releases your refund, less applicable fees and charges.
Example 2
Estimated refund: $900
Maximum Next Day Refund: $450
Remaining balance: Paid after the ATO releases your refund, less applicable fees and charges.
How Does a Tax Refund Advance Work?
Follow the step-by-step guide below explaining how One Click Life’s Next Day Refund works
Start Your Online Tax Return
Your time is important. Our simple and convenient process only takes a couple of minutes, so you can get back to doing what you love. LET’S GO
Your Details Are Pre-Filled
Income information can be pre-filled from the ATO to help make the process faster and easier.
Add Your Deductions
Add your work-related deductions and other tax information.
Choose Next Day Refund
If available, under the optional add-ons, select Next Day Refund before lodging your return.
We Review, Lodge & Process Your Advance
One Click Life’s tax team reviews your return before lodgement. If approved, you’ll receive your Next Day Refund amount the next business day.
Receive the Remaining Balance
When the ATO releases your refund, the remaining balance is transferred to you after fees and any deductions.
Check out just how easy it is to lodge with One Click Life
Is Next Day Refund the Same as an Instant Tax Refund?
No. One Click Life’s Next Day Refund is a next business day tax refund advance, not an instant tax refund. The table below explains the differences between common tax refund options.
| Type | What it usually means | One Click Life Notes |
| Instant tax refund | Funds may be offered shortly after lodgement. | Difficult to apply for. Can be expensive debt. |
| Same day tax refund | Funds may be offered on the same day. | Add-on debt product. Can be expensive debt. |
| Next Day Refund | Funds may be available the next business day. | One Click Life’s product. |
| ATO tax refund | Refund paid after ATO processing. | Most tax returns process within 12–14 business days. |
Why Choose One Click Life for a Fast Tax Refund?
Online from Start to Finish
No appointments, paper forms or waiting rooms.
Registered Tax Agent Support
Your return is reviewed by One Click Life’s tax team before lodgement.
ATO Pre-Fill
Income information can be pulled directly from the ATO to help speed up your return.
Transparent Fees
Next Day Refund is an optional upgrade, allowing you to choose whether an advance suits your circumstances.
More Than Tax
One Click Life also helps Australians with mortgages, wills, insurance and other life admin services.
Ready to Get Your Refund Sooner?
Apply for your tax return online today and see if you’re eligible for Next Day Refund.
How Much Does Next Day Refund Cost?
| Service | Cost |
| Standard Individual Tax Return | $99 |
| Pay Nothing Upfront Option | +$19 |
| Upgrade to Next Day Refund with Accountant Support* | +$89 |
| Total Fees and Charges | From $207 |
Fees may be deducted from your refund if you choose the Pay Nothing Upfront option.
Additional fees, recovery costs or charges may apply if your tax refund is delayed, reduced, withheld or insufficient to repay the advance. Please read the full Terms and Conditions before applying.
Am I Eligible for Next Day Refund?
Eligible customers may receive up to $1,000 or up to 50% of their estimated tax refund, whichever amount is lower
You May Be Eligible If:
✔ You’re lodging an individual tax return with One Click Life
✔ You’re expecting a tax refund
✔ Your identity can be verified
✔ Your estimated refund meets minimum requirements
✔ Your return meets assessment criteria
You May Not Be Eligible if:
✖ Your estimated refund is too low
✖ You have ATO, Centrelink, child support or other debts that may reduce your refund
✖ Your tax return requires additional review
✖ Your deductions cannot be verified
✖ Your refund may be delayed, offset or withheld
✖ You do not meet approval criteria
Ready to Check Your Eligibility?
Start your online tax return and see whether Next Day Refund is available to you.
Important Things to Know Before Choosing a Tax Refund Advance
A Next Day Refund may be useful if you need access to money sooner, but it may not be right for everyone.
Before applying, you should understand:
- It is an advance against an expected tax refund
- Approval is not guaranteed
- The ATO may delay, reduce, offset or withhold your refund
- If your final refund is lower than expected, you may still need to repay the advanced amount and fees
- Fees and charges apply
- Late fees may apply if amounts remain unpaid
- Most online tax returns are processed by the ATO within approximately 2 weeks
Waiting for the ATO may suit you if:
- You do not urgently need the money
- You want to avoid additional fees
- Your return is complex
- You may have debts that could reduce your refund
- You are comfortable waiting for normal ATO processing
Get Started Today!
See if you’re eligible for a Next Day Refund when you lodge your tax return online with One Click Life.
Already have an account? Sign in now
Frequently Asked Questions
No. Next Day Refund is not an instant tax refund. It allows eligible customers to access part of their estimated tax refund the next business day after lodging.
Yes. It is a tax refund advance because eligible customers may receive part of their expected refund before the ATO releases their final refund.
Eligible customers may receive up to $1,000 or 50% of their estimated tax refund, whichever is lower.
No. You receive only the approved advance amount. Any remaining refund balance is paid after the ATO releases your refund, less fees, charges and any amounts owing.
The ATO states that most online tax returns are processed within approximately 2 weeks, although some returns may take longer.
If your refund is delayed, reduced, withheld or offset, your remaining refund payment may also be delayed. You may also need to repay the advanced amount and applicable fees under the Terms and Conditions.
No. Next Day Refund is subject to eligibility requirements and approval criteria.
Yes. One Click Life offers a Pay Nothing Upfront option for an additional fee, allowing fees to be deducted from your refund.
Next Day Refund is designed for eligible individual tax return customers lodging for the most recent tax year. Availability depends on your return, estimated refund and assessment outcome.
Start your online tax return with One Click Life. If eligible, you’ll have the option to select Next Day Refund before lodging.
A tax refund advance allows eligible taxpayers to access part of their expected tax refund before the ATO finishes processing their return. The advance is typically repaid from the final tax refund when it is released.
The fastest standard option is to lodge your tax return online with accurate information and direct deposit details. The ATO states that most online tax returns are processed within approximately 2 weeks. Eligible customers may be able to access part of their estimated refund sooner through a tax refund advance such as One Click Life’s Next Day Refund.
Next Day Refund is an optional fast refund feature available to eligible One Click Life customers. It may provide up to $1,000 or 50% of an estimated tax refund the next business day after lodgement.
Need Help?
Have a question? Our friendly support team is here to help you every step of the way. Simply log in to your One Click Life account & send a message through your dashboard inbox or call 1300 707 117
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