Payment Cut-off Times
UK Domestic Payments Are Getting Quicker
From 24 April 2026, any one off payment you make in the UK before 5pm will reach the other person on the same working day, usually within 2 hours.
You don’t need to do anything new — your payments will just arrive faster.
In the days just before 24 April 2026, you might notice that some payments are already arriving on the same day.
If you’re making a high value or urgent payment, you can still use CHAPS, with the usual 4pm cut off on Business On Line.
Important: The Payment Date you choose on the screen will now be the actual day the person receives the money.
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Cut off times
The table below illustrates the cut off times for domestic and international payments for UK customers.
| Payment |
Payment Cycle |
Cut off time |
| Domestic Account transfers |
Same Day |
5:00pm |
| Domestic Third Party Payment to Bank of Ireland UK Accounts (GBP) |
Same Day |
5:00pm |
| Domestic 3rd Party Payments to other UK banks (GBP) |
Same Day |
5:00pm |
| BACS (Including Import) |
+Two Day |
5:00pm |
| CHAPS (Urgent Sterling BOI UK to BOI UK) |
Same Day |
5:00pm |
| CHAPS (Urgent Sterling BOI UK to other domestic UK Banks) |
Same Day |
4:00pm |
| Cross Border Account Transfer* |
Same Day |
4:00pm |
| SEPA Payment |
Next Day |
4:00pm |
Same day means the payment will reach the recipient on the same working day. Next day means the payment will reach the recipient on the next working day.
* A cross border account transfer is a payment between accounts registered on a single Business On Line profile where either the debit and/or credit account is a foreign currency account held in Bank of Ireland UK Global Markets within the GB or NI jurisdiction.
International (Same Day)
| Payment |
Payment Cycle |
New cut-off time as at 20/08/21 |
Extension from previous cut-off time |
| GBP |
Same Day |
4:00pm |
– |
| EUR |
Same Day |
2:00pm |
– |
| USD |
Same Day |
2:00pm |
– |
| CAD |
Same Day |
1:00pm |
1 day, 20 hours
and 30 minutes |
International (Non Urgent)
| Payment |
Payment Cycle |
New cut-off time as at 20/08/21 |
Extension from previous cut-off time |
| GBP |
Same Day |
4:30pm |
– |
| EUR |
Same Day |
4:30pm |
– |
| USD |
Same Day |
4:30pm |
1 day |
| CHF, DKK, NOK, PLN, SEK & TRY |
Next Day |
3:30pm |
23 hours |
| AUD, CZK, HKD, HUF, JPY, NZD, SGD & ZAR |
+ 2 Days |
5:00pm |
30 minutes |
| HRK & AED |
+ 2 Days |
4:30pm |
– |
| INR, MAD, PHP, SAR & THB |
+ 3 Days |
4:30pm |
– |
These are Bank of Ireland Cut Off times only; Bank of Ireland does not have any oversight or control over Beneficiary Bank cut off times
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Bank Holidays
For a complete overview of Bank Holidays (non-processing/payment days for Business On Line payments), please see below:
| DATE |
ROI |
NI |
GB |
| Thursday 1 January 2026 |
YES |
YES |
YES |
| Monday 2 February 2026 |
YES |
NO |
NO |
| Tuesday 17 March 2026 |
YES |
YES |
NO |
| Friday 3 April 2026* |
YES |
YES |
YES |
| Monday 6 April 2026* |
YES |
YES |
YES |
| Monday 4 May 2026 |
YES |
YES |
YES |
| Monday 25 May 2026 |
NO |
YES |
YES |
| Monday 1 June 2026 |
YES |
NO |
NO |
| Monday 13 July 2025 |
NO |
YES |
NO |
| Monday 3 August 2026 |
YES |
NO |
NO |
| Monday 24 August 2026 |
NO |
YES |
YES |
| Monday 26 October 2026 |
YES |
NO |
NO |
| Friday 25 December 2025* |
YES |
YES |
YES |
| Monday 28 December 2026* |
YES |
YES |
YES |
| Tuesday 30 December 2025 |
YES |
YES |
NO |
| Friday 1 January 2027* |
YES |
YES |
YES |
* Target closing days. These days will not be settlement days for the Euro money market or for foreign exchange transactions involving the Euro, therefore payments in Euro will not be credited/debited to accounts until the following working day