Domestic and SEPA Payments
| Payment |
Payment Cycle |
Cut-off time |
| Domestic Account Transfers |
Same Day |
5.00pm |
| SEPA Payments* (to BOI Branch Accounts) |
Same Day |
5.00pm |
| SEPA Payments* (to BOI IBIS Accounts) |
Same Day |
4.00pm |
| SEPA Payments* (to Irish Accounts) |
Next Day |
5.00pm |
| SEPA Payments* (to EU zone) |
Next Day |
5.00pm |
| Business On Line Bulk Payments (Including Import) |
Next Day |
3.30pm |
| BOL Payments Plus Bulk Payments (Credit Files) |
Next Day |
6.00pm |
| International Account Transfer** |
Same Day |
4.00pm |
| SDMT (Urgent Euro BOI ROI to BOI ROI) |
Same Day |
5.00pm |
| SDMT (Urgent Euro BOI ROI to other domestic ROI Banks) |
Same Day |
2.30pm |
Please Note that Bank of Ireland can only be held responsible for ensuring that the payment is paid to the Beneficiary Bank within the agreed timeframes and cannot be held responsible for the actual value date applied to the beneficiary account by the Beneficiary Bank.
International Excluding SEPA
International Payments (Same Day)
| Payment |
Payment Cycle |
Cut-off time |
| GBP |
Same Day |
4.00pm |
| USD |
Same Day |
3.00pm |
| EUR |
Same Day |
2.30pm |
| CAD |
Same Day |
1.00pm |
International Payments (Non-Urgent)
| Payment |
Payment Cycle |
Cut-off time |
| GBP |
Two Days |
5.00pm |
| USD |
Two Days |
4.00pm |
| AUD, CNY, CZK, HKD, HUF, JPY, NZD, SGD, ZAR |
Next Day |
1.00pm |
| DKK, NOK, PLN, SEK, CHF, TRY |
Next Day |
5.00pm |
| All euro payments outside the EU/EEA and all other non-euro payments |
Two Days+*** |
4.00pm |
*The SEPA (Single Euro Payments Area) consists of the 28 EU member states, Iceland, Norway, Liechtenstein, Switzerland and Monaco.
**An international 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 Global Markets within the ROI Jurisdiction.
*** Exception is MAD, THB, INR, PHP and SAR – all three day payment cycles