Business On Line

Our online banking service Business On Line is available to existing Bank of Ireland UK business customers

Request call back Log in to Business On Line New Approve App

Payment Cut-off Times

  • 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
    Monday 27th December 2021 YES YES YES
    Tuesday 28th December 2021 YES YES YES
    Wednesday 29th December 2021 YES YES NO
    Monday 3rd January 2022 YES YES YES
    Thursday 17th March 2022 YES YES NO
    Friday 15th April 2022 YES YES YES
    Monday 18th April 2022 YES YES YES
    Monday 2nd May 2022 YES YES YES
    Thursday 2nd June 2022 NO YES YES
    Friday 3rd June 2022 NO YES YES
    Monday 6th June 2022 YES NO NO
    Tuesday 12th July 2022 NO YES YES
    Monday 1st August 2022 YES NO NO
    Monday 29th August 2022 NO YES YES
    Monday 31st October 2022 YES NO NO
    Monday 26th December 2022 YES YES YES
    Tuesday 27th December 2022 YES YES YES
    Wednesday 28th December 2022 YES YES NO
    Monday 2nd January 2023 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