Timing is everything. Our payment schedules tell you everything you need to know to make your payment on time.
Please note that the times given below do not take fx timelines into consideration.
UK time
Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off timesPriorityRegular | Guides |
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2:00 pm | 1:30 pm | Payment guide (AUD) Currency pairs (AUD) |
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2:00 pm | Payment guide (BHD) Currency pairs (BHD) |
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8:30 am | Payment guide (BGN) Currency pairs (BGN) |
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2:00 pm | 4:00 pm | Payment guide (CAD) Currency pairs (CAD) |
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9:00 am | Payment guide (CNY) Currency pairs (CNY) |
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8:30 am | Payment guide (HRK) Currency pairs (HRK) |
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9:00 am | 8:30 am | Payment guide (CZK) Currency pairs (CZK) |
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10:30 am | 8:30 am | Payment guide (DKK) Currency pairs (DKK) |
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2:30 pm | 12:30 pm | Payment guide (EUR) Currency pairs (EUR) |
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2:00 pm | 2:00 pm | Payment guide (HKD) Currency pairs (HKD) |
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9:00 am | 8:30 am | Payment guide (HUF) Currency pairs (HUF) |
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4:30 pm | Payment guide (INR) Currency pairs (INR) |
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4:30 pm | Payment guide (IDR) Currency pairs (IDR) |
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2:00 pm | Payment guide (ILS) Currency pairs (ILS) |
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2:00 pm | Payment guide (JPY) Currency pairs (JPY) |
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2:00 pm | Payment guide (KES) Currency pairs (KES) |
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2:00 pm | Payment guide (KWD) Currency pairs (KWD) |
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4:30 pm | Payment guide (MYR) Currency pairs (MYR) |
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9:00 am | 8:30 am | Payment guide (MXN) Currency pairs (MXN) |
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2:00 pm | Payment guide (NZD) Currency pairs (NZD) |
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10:30 am | 10:30 am | Payment guide (NOK) Currency pairs (NOK) |
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2:00 pm | Payment guide (OMR) Currency pairs (OMR) |
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4:30 pm | Payment guide (PHP) Currency pairs (PHP) |
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9:30 am | 9:30 am | Payment guide (PLN) Currency pairs (PLN) |
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2:00 pm | Payment guide (QAR) Currency pairs (QAR) |
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9:00 am | Payment guide (RON) Currency pairs (RON) |
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2:00 pm | Payment guide (SAR) Currency pairs (SAR) |
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2:00 pm | 2:00 pm | Payment guide (SGD) Currency pairs (SGD) |
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10:30 am | Payment guide (ZAR) Currency pairs (ZAR) |
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10:30 am | 10:30 am | Payment guide (SEK) Currency pairs (SEK) |
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10:30 am | Payment guide (CHF) Currency pairs (CHF) |
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9:00 am | Payment guide (THB) Currency pairs (THB) |
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9:30 am | Payment guide (TRY) Currency pairs (TRY) |
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9:00 am | Payment guide (UGX) Currency pairs (UGX) |
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4:30 pm | 3:30 pm | Payment guide (GBP) Currency pairs (GBP) |
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2:00 pm | Payment guide (AED) Currency pairs (AED) |
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4:30 pm | 5:10 pm | Payment guide (USD) Currency pairs (USD) |
US time (EST)
Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off times (EST)PriorityRegular | Guides |
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9:00 am | 8:30 am | Payment guide (AUD) Currency pairs (AUD) |
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9:00 am | Payment guide (BHD) Currency pairs (BHD) |
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3:30 am | Payment guide (BGN) Currency pairs (BGN) |
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9:00 am | 11:00 am | Payment guide (CAD) Currency pairs (CAD) |
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4:00 am | Payment guide (CNY) Currency pairs (CNY) |
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3:30 am | Payment guide (HRK) Currency pairs (HRK) |
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4:00 am | 3:30 am | Payment guide (CZK) Currency pairs (CZK) |
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5:30 am | 3:30 am | Payment guide (DKK) Currency pairs (DKK) |
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9:30 am | 7:30 am | Payment guide (EUR) Currency pairs (EUR) |
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9:00 am | 9:00 am | Payment guide (HKD) Currency pairs (HKD) |
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4:00 am | 3:30 am | Payment guide (HUF) Currency pairs (HUF) |
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11:30 am | Payment guide (INR) Currency pairs (INR) |
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11:30 am | Payment guide (IDR) Currency pairs (IDR) |
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9:00 am | Payment guide (ILS) Currency pairs (ILS) |
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9:00 am | Payment guide (JPY) Currency pairs (JPY) |
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9:00 am | Payment guide (KES) Currency pairs (KES) |
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9:00 am | Payment guide (KWD) Currency pairs (KWD) |
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11:30 am | Payment guide (MYR) Currency pairs (MYR) |
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4:00 am | 3:30 am | Payment guide (MXN) Currency pairs (MXN) |
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9:00 am | Payment guide (NZD) Currency pairs (NZD) |
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5:30 am | 5:30 am | Payment guide (NOK) Currency pairs (NOK) |
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9:00 am | Payment guide (OMR) Currency pairs (OMR) |
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11:30 am | Payment guide (PHP) Currency pairs (PHP) |
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4:30 am | 4:30 am | Payment guide (PLN) Currency pairs (PLN) |
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9:00 am | Payment guide (QAR) Currency pairs (QAR) |
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4:00 am | Payment guide (RON) Currency pairs (RON) |
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9:00 am | Payment guide (SAR) Currency pairs (SAR) |
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9:00 am | 9:00 am | Payment guide (SGD) Currency pairs (SGD) |
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5:30 am | Payment guide (ZAR) Currency pairs (ZAR) |
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5:30 am | 5:30 am | Payment guide (SEK) Currency pairs (SEK) |
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5:30 am | Payment guide (CHF) Currency pairs (CHF) |
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4:00 am | Payment guide (THB) Currency pairs (THB) |
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4:30 am | Payment guide (TRY) Currency pairs (TRY) |
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4:00 am | Payment guide (UGX) Currency pairs (UGX) |
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11:30 am | 10:30 am | Payment guide (GBP) Currency pairs (GBP) |
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9:00 am | Payment guide (AED) Currency pairs (AED) |
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11:30 am | 12:10 pm | Payment guide (USD) Currency pairs (USD) |
Singapore time (SGT)
Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off times (SGT)PriorityRegular | Guides |
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10:00 pm | 9:30 pm | Payment guide (AUD) Currency pairs (AUD) |
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10:00 pm | Payment guide (BHD) Currency pairs (BHD) |
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4:30 pm | Payment guide (BGN) Currency pairs (BGN) |
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10:00 pm | 11:59 pm | Payment guide (CAD) Currency pairs (CAD) |
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5:00 pm | Payment guide (CNY) Currency pairs (CNY) |
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4:30 pm | Payment guide (HRK) Currency pairs (HRK) |
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5:00 pm | 4:30 pm | Payment guide (CZK) Currency pairs (CZK) |
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6:30 pm | 4:30 pm | Payment guide (DKK) Currency pairs (DKK) |
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10:30 pm | 8:30 pm | Payment guide (EUR) Currency pairs (EUR) |
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10:00 pm | 10:00 pm | Payment guide (HKD) Currency pairs (HKD) |
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5:00 pm | 4:30 pm | Payment guide (HUF) Currency pairs (HUF) |
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11:59 pm | Payment guide (INR) Currency pairs (INR) |
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11:59 pm | Payment guide (IDR) Currency pairs (IDR) |
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10:00 pm | Payment guide (ILS) Currency pairs (ILS) |
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10:00 pm | Payment guide (JPY) Currency pairs (JPY) |
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10:00 pm | Payment guide (KES) Currency pairs (KES) |
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10:00 pm | Payment guide (KWD) Currency pairs (KWD) |
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11:59 pm | Payment guide (MYR) Currency pairs (MYR) |
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5:00 pm | 4:30 pm | Payment guide (MXN) Currency pairs (MXN) |
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10:00 pm | Payment guide (NZD) Currency pairs (NZD) |
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6:30 pm | 6:30 pm | Payment guide (NOK) Currency pairs (NOK) |
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10:00 pm | Payment guide (OMR) Currency pairs (OMR) |
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11:59 pm | Payment guide (PHP) Currency pairs (PHP) |
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5:30 pm | 5:30 pm | Payment guide (PLN) Currency pairs (PLN) |
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10:00 pm | Payment guide (QAR) Currency pairs (QAR) |
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5:00 pm | Payment guide (RON) Currency pairs (RON) |
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10:00 pm | Payment guide (SAR) Currency pairs (SAR) |
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10:00 pm | 10:00 pm | Payment guide (SGD) Currency pairs (SGD) |
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6:30 pm | Payment guide (ZAR) Currency pairs (ZAR) |
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6:30 pm | 6:30 pm | Payment guide (SEK) Currency pairs (SEK) |
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6:30 pm | Payment guide (CHF) Currency pairs (CHF) |
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5:00 pm | Payment guide (THB) Currency pairs (THB) |
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5:30 pm | Payment guide (TRY) Currency pairs (TRY) |
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5:00 pm | Payment guide (UGX) Currency pairs (UGX) |
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11:59 pm | 11:30 pm | Payment guide (GBP) Currency pairs (GBP) |
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10:00 pm | Payment guide (AED) Currency pairs (AED) |
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11:59 pm | 11:59 pm | Payment guide (USD) Currency pairs (USD) |
Financial Terminology
0 days = T+0 (TOD, or same day)
1 day = T+1 (TOM, or next day)
2 days = T+2 (Spot)
3 days = T+3 (Spot + 1)
Priority (SWIFT) = The duration it takes to make a payment via SWIFT.
Regular (Local) = The duration it takes to make a local payment in the same country.
Cut off times = These are the times funds must be received and cleared by us in order to honor your instruction.
Guides = These are associated resources available on our website:
- Currency pairs: currencies available pairs, e.g. GBP to USD
- Payment guides: guidance on how to make a payment in the associated currency