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