Business On Line

Business On Line is the perfect choice for business customers with advanced electronic payment needs, requiring more functionality and greater control.

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Payment cut-off times

  • 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
    *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 New Cut-Off
    TIME EFFECTIVE
    20/04/21
    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

    International (Non Urgent)

    Payment Payment Cycle New Cut-Off
    TIME EFFECTIVE
    20/04/21
    EXTENSION
    FROM
    PREVIOUS CUT
    OFF TIME
    GBP Next Day 4.30pm
    EUR Next Day 4.30pm
    USD Next 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
  • Bank Holidays 2023-2024

    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
    Monday 25th December 2023 YES YES YES
    Tuesday 26th December 2023 YES YES YES
    Wednesday 27th December 2023 YES YES NO
    Monday 1st January 2024 YES YES YES
    Monday 5th February 2024 YES NO NO
    Monday 18th March 2024 YES YES NO
    Friday 29th March 2024 YES YES YES
    Monday 1st April 2024 YES YES YES
    Monday 6th May 2024 YES YES YES
    Monday 27th May 2024 NO YES YES
    Monday 3rd June 2024 YES NO NO
    Friday 12th July 2024 NO YES NO
    Monday 5th August 2024 YES NO NO
    Monday 26th August 2024 NO YES YES
    Monday 28th October 2024 YES NO NO
    Wednesday 25th December 2024 YES YES YES
    Thursday 26th December 2024 YES YES YES
    Friday 27th December 2024 YES YES NO
    Wednesday 1st January 2025 YES YES YES

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