Payment timelines and Cut-off times

The times listed in the guides are an accurate reflection of the UK cutoff times, regardless of seasonal changes, as well as a minimum number of days to process payment (SWIFT payments may take longer, particularly if intermediary (correspondent) banks are involved.

If your transfer involves a currency exchange, the timeline is first dependent on the FX conversion cutoff times.

Currency (ISO) SWIFT Local

SWIFT cutoff time

Local cutoff time

Australian Dollar (AUD)

1 day 1 day 2:00 pm 1:30 pm

Bahrain Dinar (BHD)

1 day 2:00 pm

Bulgarian Lev (BGN)

0 days 8:30 am

Canadian Dollar (CAD)

0 days 0 days 4:45 pm 4:00 pm

Chinese Yuan (CNY)

1 day 9:00 am

Croatian Kuna (HRK)

0 days 0 days 8:30 am 8:30 am

Czech Koruna (CZK)

0 days 0 days 9:00 am 9:00 am

Danish Krone (DKK)

0 days 0 days 10:30 am 10:30 am

Euro (EUR)

0 days 0 days 2:30 pm 2.00 pm

Hong Kong Dollar (HKD)

1 day 1 day 2:00 pm 2:00 pm

Hungarian Forint (HUF)

0 days 0 days 9:00 am 9:00 am

Indian Rupee (INR)

0 days 4:30 pm

Indonesian Rupiah (IDR)

0 days 4:30 pm

Israeli Shekel (ILS)

1 day 2:00 pm

Japanese Yen (JPY)

1 day 2:00 pm

Kenyan Shilling (KES)

1 day 2:00 pm

Kuwait Dinar (KWD)

1 day 2:00 pm

Malaysian Ringgit (MYR)

0 days 4:30 pm

Mexican Peso (MXN)

0 days 9:00 am

New Zealand Dollar (NZD)

1 day 2:00 pm

Norwegian Krone (NOK)

0 days 0 days 10:30 am 10:30 am

Omani Rial (OMR)

1 day 2:00 pm

Philippine Peso (PHP)

0 day 4:30 pm

Polish Zloty (PLN)

0 days 0 days 9:30 am 9:30 am

Qatar Rial (QAR)

1 day 2:00 pm

Romanian Leu (RON)

0 days 0 days 9:00 am 9:00 am

Saudi Riyal (SAR)

1 day 2:00 pm

Singapore Dollar (SGD)

1 day 1 day 2:00 pm 2:00 pm

South African Rand (ZAR)

0 days 10:30 am

Swedish Krona (SEK)

0 days 0 days 10:30 am 10:30 am

Swiss franc (CHF)

0 days 10:30 am

Thai Baht (THB)

1 day 9:00 am

Turkish Lira (TRY)

0 days 9:30 am

Ugandan Shilling (UGX)

1 day 9:00 am

UK Sterling (GBP)

0 days 0 days

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United Arab Emirates Dirham (AED)

1 day 2:00 pm

US Dollar (USD)

0 days 0 days 4:30 pm 8:45 pm