Business On Line

If you need greater control and choice in relation to your banking needs, Business On Line may be right for your business.

Register Today Log in to Business On Line

  • 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) Next 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

    * 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
  • 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