Business On Line

The new way to access Business On Line

Winner of ‘Best Information Security Initiatives (Corporate/Institutional)’ in Western Europe,
Global Finance Best Digital Bank Awards 2017.

  • Cut-off times for ROI customers

    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
    Bulk Payments (including Import) Next Day 3.30pm
    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

    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
  • Cut-off times for UK customers

    Domestic Payments

    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 Days 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 4.30pm

    International (Same day)

    Payment Payment Cycle Cut-off time
    GBP Same Day 4.00pm
    EUR Same Day 2.00pm
    USD Same Day 2.00pm

    International (Non Urgent)

    Payment Payment Cycle Cut-off time
    GBP Next Day 4.30pm
    EUR Next Day 4.30pm
    All other currencies +Two Days** 4.30pm
    *A cross border account transfer is a payment between accounts registered on a single Business On Line profile where either the debit and/or the credit account is a foreign currency account held in Bank of Ireland UK Global Markets within the GB or NI jurisdiction.
    ** Exception is MAD, THB, INR, PHP and SAR – all three day payment cycles
  • Bank Holidays 2019

    Below is a list of Bank holidays in ROI/NI and GB. These are non-processing days for payments.

    Date ROI NI GB
    Monday 18th March 2019 YES YES NO
    Friday 19th April 2019* YES YES YES
    Monday 22nd April 2019* YES YES YES
    Monday 6th May 2019 YES YES YES
    Monday 27th May 2019 NO YES YES
    Monday 3rd June 2019 YES NO NO
    Friday 12th July 2019 NO YES NO
    Monday 5th August 2019 YES NO NO
    Monday 26th August 2019 NO YES YES
    Monday 28th October 2019 YES NO NO
    Wednesday 25th December 2019* YES YES YES
    Thursday 26th December 2019* YES YES YES
    Friday 27th December 2019 YES YES NO
    Wednesday 1st January 2020* YES YES YES
    * Target closing days. These days will not be settlement days for the Euro money market or for foreign exchange transactions involving the Euro, therefore payments in Euro will not be credited/debited to accounts until the following working day

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