Business On Line

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

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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 2 January 2023 YES YES YES
    Friday 17 March 2023 YES YES NO
    Friday 7 April 2023* YES YES YES
    Monday 10 April 2023* YES YES YES
    Monday 1 May 2023 YES YES YES
    Monday 8 May 2023 NO YES YES
    Monday 29 May 2023 NO YES YES
    Monday 5 June 2023 YES NO NO
    Wednesday 12 July 2023 NO YES NO
    Monday 7 August 2023 YES NO NO
    Monday 28 August 2023 NO YES YES
    Monday 30 October 2023 YES NO NO
    Monday 25 December 2023* YES YES YES
    Tuesday 26 December 2023* YES YES YES
    Wednesday 27 December 2023 YES YES NO
    Monday 1 January 2024* 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