Payment Cut-off Times - Bank of Ireland UK

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

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

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

For a complete overview of Bank Holidays (non-processing/payment days for Business On Line payments), please see below: