Currencies
and Cut-Off Times
The following table details the cut-off times in CET/CEST by currency.
This is the time by which a payment needs to be successfully initiated for same-day execution.
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Same-Day Payment Processing
& FX Cut-Off Times for Bulk/API Transactions
If initiated before cut-off, funds will be debited from your account with same-day value. Same-day execution may not be met for payments held up for any compliance, lack of funds or other internal policy reasons.
Please speak to your Client Services officer to discuss cut-offs for payments submitted by bulk file upload or via API.
Incoming and internal payment processing stops at 19:00 CET/CEST.
Payments with currency conversion:
For payments that involve a currency conversion, funds will be forwarded to our correspondent after the FX trade has settled.
FX bookings are available 24 hours a day, 5 days a week, via the Client Portal and API with market opening at 8:00 AM Monday Sydney time to 5:00 PM Friday New York time. You are also able to book FX trades during the End of Day Reporting period, however the confirmation for the trade will only be enabled after EOD has completed. Please note the times will adjust during daylight saving in the time zones, but you will still have 24/5 coverage.
The ‘currency category’ is used as a reference point for FX pricing in your Client Agreement. This has no bearing on like-for-like payments.
To view each currency’s holiday calendar please click the button below.
| Currency | Cut-off (CET) | Currency category |
 AED - Cross-border SWIFT
|
10:30 | 3 |
 AUD*- Cross-border SWIFT
|
17:00 | 1 |
|
AUD – BECS (Batch)1
|
11:00 | 1 |
|
AUD – NPP (Instant)1
|
24/7 | 1 |
 CAD - Cross-border SWIFT
|
17:00 | 1 |
 CHF - Cross-border SWIFT
|
12:30 | 1 |
|
CHF - SIC (RTGS)2
|
16.15 | 1 |
|
CHF - Local (RTGS - Partner)
|
12:30 | 1 |
|
CHF - SIC ACH (local)2
|
16.15 | 1 |
 CNH - Cross-border SWIFT
|
09:00 | 3 |
|
CNH - CHATS (RTGS)
|
09:00 | 3 |
 CZK - Cross-border SWIFT
|
10:00 | 3 |
|
CZK - Certis (RTGS)
|
12:00 | 3 |
 DKK - Cross-border SWIFT
|
12:30 | 2 |
|
DKK - Kronos2 (RTGS)
|
16:00 | 2 |
|
DKK - Intradag (Batch)
|
11:30 | 2 |
 EUR - Cross-border SWIFT
|
16:00 | 1 |
|
EUR - T2 (RTGS)
|
16:15 | 1 |
|
EUR - SEPA SCT (Batch)
|
14:00 | 1 |
|
EUR - SEPA Inst (Instant)
|
24/7 | 1 |
 GBP - Cross-border SWIFT
|
17:45 | 1 |
|
GBP - CHAPS (RTGS)
|
17:45 | 1 |
 GBP - Faster Payments (Instant)
|
24/7 | 1 |
 HKD- Cross-border SWIFT
|
09:00 | 3 |
|
HKD- CHATS (RTGS)
|
10:30 | 3 |
 HUF - Cross-border SWIFT
|
14:00 | 3 |
|
HUF - VIBER (RTGS)
|
16:15 | 3 |
|
HUF - Intergiro (Batch)
|
13:15 | 3 |
 ILS - Cross-border SWIFT
|
12:00 | 3 |
 JPY*- Cross-border SWIFT
|
17:00 | 1 |
 MXN - Cross-border SWIFT
|
16:30 | 3 |
 NOK - Cross-border SWIFT
|
14:30 | 2 |
|
NOK - NICS (Batch)
|
11:30 | 2 |
 NZD*- Cross-border (Batch)
|
17:00 | 1 |
 PLN - Cross-border SWIFT
|
11:45 | 3 |
|
PLN - Sorbnet (RTGS)**
|
11:45 | 3 |
 RON - Cross-border SWIFT
|
11:30 | 3 |
|
RON - ReGIS (RTGS)
|
12:15 | 3 |
 SAR - Cross-border SWIFT
|
08:00 | 3 |
 SEK - Cross-border SWIFT
|
15:00 | 2 |
 SEK - RIX (RTGS)
|
16:15 | 2 |
|
SEK - Data Clearing (Batch)
|
12:00 | 2 |
|
SEK - RIX-Inst (Instant)
|
24/7 | 2 |
 SGD* - Cross-border SWIFT
|
18:30 | 3 |
|
SGD* - MEPS (RTGS)
|
18:30 | 3 |
 TRY - Cross-border SWIFT
|
10:00 | 3 |
 USD - Cross-border SWIFT
|
18:30 | 1 |
 ZAR - Cross-border SWIFT
|
09:30 | 3 |
* These currencies will be forwarded to our correspondents with value date D+1
** Landing fees may apply for PLN – Local
*** AUD local services are offered by BC Payments Australia Pty Ltd.
Please note these times may change with time-zone changes during daylight saving in Australia and Europe. The local time cut-off is 20:00 AEDT for BECs (Batch)
2 CHF local services are offered by Banking Circle (Liechtenstein) AG.
Please note that payments will not be processed on public holidays.