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Payment cut-off times

  • May Day - ROI payment impacts

    Friday May 1 2026 is a Bank Holiday in many EU countries, but not in Ireland. This means that the official European Euro settlement mechanisms are closed on this day.

    As a result, there are some changes to the timelines associated with processing the below payments on Friday 1 May:

    • Same Day Domestic Interbank payments i.e. SDMT
    • SEPA payments
    • Same Day Euro to EU/EEA countries
    • Bulk payments

    Please note: Normal charges will apply for same day Euro payments to EU/EEA countries where the actual credit date does not occur on the same day due to the European Euro settlement mechanisms being closed.

    Important: Employers and businesses are encouraged to submit payments to their payees in sufficient time to ensure that payee accounts are credited/debited on the 30th of April as crediting/debiting dates may vary depending on the beneficiary bank. Sepa incoming credit payments received from other banks on the 30th April, value dated the 4th May will be posted to accounts circa 9.30pm on the 1st May. Payments that would normally arrive and be processed on the same day will not be processed on Friday, 1 May.

    Please find impacted payments below.

    Payment Type Originator/Beneficiary Intended Value Date Actual Credit Date
    SEPA payment BOI to BOI 30 April 30 April
    SEPA payment BOI to non-BOI 30 April 04 May
    SEPA payment BOI to BOI 01 May 01 May
    SEPA payment BOI to non-BOI 01 May 05 May
    SDMT BOI to non-BOI 01 May 05 May
    Same Day Euro to EU/EEA countries BOI to non-BOI 01 May 05 May
    SEPA Instant Payments will process as normal as it’s a 24/7 365 day service No Impact No Impact
    Zippay Payments will process as normal as it’s a 24/7 365 day service No Impact No Impact

    Please find bulk payment impacts below.

    Bulk Payment Types Originator/Beneficiary Input Date Value Date Actual Credit Date
    Bulked Credit Transfer files (STD 18) BOI and non-BOI 30 April (or prior to the May 1 for Future Dated import files) 01 May 04 May
    Bulked Credit Transfer files (STD 18) BOI and non-BOI 01 May 05 May 05 May
    XML Pain001 (Credit Transfer) Files BOI and non-BOI 30 April 30 April, 01, 02, 03 May 04 May
    XML Pain001 (Credit Transfer) Files BOI and non-BOI 01 May 01, 02, 03 May 04 May
    XML Pain001 (Credit Transfer) Files BOI and non-BOI 01 May 04 May 05 May
    XML Pain008 (Direct Debit) Files BOI and non-BOI Prior to 01 May 01, 02, 03, 04 May 05 May

    Remember, Bank of Ireland will never ask for account information or any of your security credentials, including one-time codes you generate. One time codes are provided to protect you from fraud, so do not give codes to anyone, no matter who they say they are or why they say they need it. Never approve a push notification in the Approve app if you did not request it. We will never send you a text message or email containing a direct link to a logon page.

    Frequently Asked Questions

    Q1. I am expecting to receive a SEPA Credit Transfer payment into my account on the 1st of May. When can I expect it to arrive into my account?

    A1. Payments sent from other Bank of Ireland accounts on the 1st of May will be credited to your account on that day. Payments sent from non-Bank of Ireland accounts on 1st of May will be credited to your account on 4th of May.

    Q2. How will the 1st of May impact SEPA Direct Debit processing?

    A2. As the 1st of May is a non-SEPA DD processing date you cannot process debits on that date, therefore no PAIN002 reports will be available on the 4th of May.

  • May Day - UK payment impacts

    Friday May 1 2026 is a Bank Holiday in many EU countries, but not in Northern Ireland and Great Britain. This means that the official European Euro settlement mechanisms are closed on this day. As a result, there are some changes to the timelines associated with processing the below payment types on Friday 1 May:

    • SEPA UK payments

    Only Euro payments are impacted. There is no impact to domestic payments made in Sterling in NI/GB.

    Please note: Normal charges will apply for same day Euro payments to EU/EEA countries where the actual credit date does not occur on the same day due to the European Euro settlement mechanisms being closed.

    Incoming SEPA UK payments

    Payments from other banks due into your account on Friday, 1 May 2026 may not be credited until Tuesday, 5 May 2026.

    Outgoing SEPA UK payments

    Payment Type Originator/Beneficiary Input Date Value Date Actual Credit Date
    SEPA UK SEPA Payee 30 April 01 May 04 May
    SEPA UK SEPA Payee 01 May 04 May 04 May*

    *Majority of UK Banks will credit on Monday, 4 May.

    Note: International payments (Standard and Urgent non euro payments and euro payments outside/inside the EU/EEA) will process as normal

    Be mindful of fraud. Bank of Ireland will never send you a text message or email containing a link to a login page or a website asking you to share your banking or other personal details. If someone asks you for a one-time code from a text or from your Approve app, they are almost certainly a fraudster. Please never share those codes with anyone, even if they say they are from Bank of Ireland (they won’t be). For more information on how you can protect your business from fraud, visit the Bank of Ireland UK Security and Fraud webpage.

    Help Protect your business from scam calls, payment redirection scams, CEO fraud and more. And remember, if someone asks you for a one-time code from your Approve app, they are very likely to be a fraudster.

  • 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
    SEPA Instant Payments 24x7x365 N/A
    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
  • 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) Same 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
    *Same day means the payment will reach the recipient on the same working day. Next day means the payment will reach the recipient on the next working day.
    **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.

    International (Same day)

    Payment Payment Cycle Cut-Off time
    GBP Same Day 4.00pm
    EUR Same Day 2.00pm
    USD Same Day 2.00pm
    CAD Same Day 1.00pm

    International (Non Urgent)

    Payment Payment Cycle Cut-Off time
    GBP Next Day 4.30pm
    EUR Next Day 4.30pm
    USD Next Day 4.30pm
    CHF, DKK, NOK,
    PLN, SEK & TRY    		 Next Day 3.30pm
    AUD, CZK, HKD,
    HUF, JPY, NZD, SGD
    & ZAR    		 + 2 days 5.00pm
    HRK & AED + 2 days 4.30pm
    INR, MAD, PHP,
    SAR & THB    		 + 3 days 4.30pm
  • Bank Holidays 2025-2026

    Please Note that when a Bank Holiday occurs it is a Non-Input, Non-Processing and Non-Payment Date

    To ensure that your file is paid on time you must send through your file a day earlier than normal when a Bank Holiday Occurs.

    Date ROI NI GB
    Thursday 25th December 2025 YES YES YES
    Friday 26th December 2025 YES YES YES
    Monday 29th December 2025 YES YES NO
    Thursday 1st January 2026 YES YES YES
    Monday 2nd February 2026 YES NO NO
    Tuesday 17th March 2026 YES YES NO
    Friday 3rd Apr 2026 YES YES YES
    Monday 6th April 2026 YES YES YES
    Monday 4th May 2026 YES YES YES
    Monday 25th May 2026 NO YES YES
    Monday 1st June 2026 YES NO NO
    Monday 13th July 2026 NO YES NO
    Monday 3rd August 2026 YES NO NO
    Monday 31st August 2026 NO YES YES
    Monday 26th October 2026 YES NO NO
    Friday 25th December 2026 YES YES YES
    Monday 28th December 2026 YES YES YES
    Tuesday 29th December 2026 YES YES NO
    Friday 1st January 2027 YES YES YES

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