Payment timelines

Timing is everything. Our payment schedules tell you everything you need to know to make your payment on time.

Please note that the times given below do not take fx timelines into consideration.

Currency (ISO) Priority (SWIFT) Regular (Local) Cut off times (GMT)PriorityRegular Guides
Australian Dollar (AUD) 1 day 2 days 2:00 pm 1:30 pm Payment guide (AUD)
Currency pairs (AUD)
Bahrain Dinar (BHD) 1 day 2:00 pm Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 8:30 am Currency pairs (BGN)
Canadian Dollar (CAD) 0 days 2 days 2:00 pm 4:30 pm Payment guide (CAD)
Currency pairs (CAD)
Chinese Yuan (CNY) 1 day 9:00 am Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 8:30 am Currency pairs (HRK)
Czech Koruna (CZK) 0 days 1 day 9:00 am 8:30 am Payment guide (CZK)
Currency pairs (CZK)
Danish Krone (DKK) 0 days 0 days 10:30 am 8:30 am Payment guide (DKK)
Currency pairs (DKK)
Euro (EUR) 0 days 0 days 2:30 pm 12:30 pm Payment guide (EUR)
Currency pairs (EUR)
HongKong Dollar (HKD) 1 day 1 day 2:00 pm 8:30 am Payment guide (HKD)
Currency pairs (HKD)
Hungarian Forint (HUF) 0 days 0 days 9:00 am 8:30 am Payment guide (HUF)
Currency pairs (HUF)
Indian Rupee (INR) 1 day 4:30 pm Payment guide (INR)
Currency pairs (INR)
Japanese Yen (JPY) 1 day 2:00 pm Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 2:00 pm Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 2:00 pm Currency pairs (KWD)
Mexican Peso (MXN) 0 days 1 day 9:00 am 8:30 am Payment guide (MXN)
Currency pairs (MXN)
Israeli Shekel (ILS) 1 day 2:00 pm Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 2:00 pm Currency pairs (NZD)
Norwegian Krone (NOK) 0 days 0 days 10:30 am 10:30 am Payment guide (NOK)
Currency pairs (NOK)
Omani Rial (OMR) 1 day 2:00 pm Currency pairs (OMR)
Polish Zloty (PLN) 0 days 0 days 9:30 am 9:30 am Payment guide (PLN)
Currency pairs (PLN)
Qatar Rial (QAR) 1 day 2:00 pm Currency pairs (QAR)
Romanian Leu (RON) 0 days 9:00 am Currency pairs (RON)
Saudi Riyal (SAR) 1 day 2:00 pm Currency pairs (SAR)
Singapore Dollar (SGD) 1 day 2 days 2:00 pm 8:30 am Payment guide (SGD)
Currency pairs (SGD)
South African Rand (ZAR) 0 days 10:30 am Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 2 days 10:30 am 4:30 pm Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 10:30 am Currency pairs (CHF)
Thai Baht (THB) 1 day 9:00 am Currency pairs (THB)
Turkish Lira (TRY) 0 days 9:30 am Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 9:00 am Currency pairs (UGX)
UK Sterling (GBP) 0 days 0 days 4:30 pm 3:30 pm Payment guide (GBP)
Currency pairs (GBP)
United Arab Emirates Dirham  (AED) 1 day 2:00 pm Currency pairs (AED)
US Dollar (USD) 0 days 0 days 4:30 pm 4:30 pm Payment guide (USD)
Currency pairs (USD)
Currency (ISO) Priority (SWIFT) Regular (Local) Cut off times (EST)PriorityRegular Guides
Australian Dollar (AUD) 1 day 2 days 9:00 am 8:30 am Payment guide (AUD)
Currency pairs (AUD)
Bahrain Dinar (BHD) 1 day 9:00 am Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 3:30 am Currency pairs (BGN)
Canadian Dollar (CAD) 0 days 2 days 9:00 am 11:30 am Payment guide (CAD)
Currency pairs (CAD)
Chinese Yuan (CNY) 1 day 4:00 am Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 3:30 am Currency pairs (HRK)
Czech Koruna (CZK) 0 days 1 day 4:00 am 3:30 am Payment guide (CZK)
Currency pairs (CZK)
Danish Krone (DKK) 0 days 0 days 5:30 am 3:30 am Payment guide (DKK)
Currency pairs (DKK)
Euro (EUR) 0 days 0 days 9:30 am 7:30 am Payment guide (EUR)
Currency pairs (EUR)
HongKong Dollar (HKD) 1 day 1 day 9:00 am 3:30 am Payment guide (HKD)
Currency pairs (HKD)
Hungarian Forint (HUF) 0 days 0 days 4:00 am 3:30 am Payment guide (HUF)
Currency pairs (HUF)
Indian Rupee (INR) 1 day 11:30 am Payment guide (INR)
Currency pairs (INR)
Japanese Yen (JPY) 1 day 9:00 am Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 9:00 am Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 9:00 am Currency pairs (KWD)
Mexican Peso (MXN) 0 days 1 day 4:00 am 3:30 am Payment guide (MXN)
Currency pairs (MXN)
Israeli Shekel (ILS) 1 day 9:00 am Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 9:00 am Currency pairs (NZD)
Norwegian Krone (NOK) 0 days 0 days 5:30 am 5:30 am Payment guide (NOK)
Currency pairs (NOK)
Omani Rial (OMR) 1 day 9:00 am Currency pairs (OMR)
Polish Zloty (PLN) 0 days 0 days 4:30 am 4:30 am Payment guide (PLN)
Currency pairs (PLN)
Qatar Rial (QAR) 1 day 9:00 am Currency pairs (QAR)
Romanian Leu (RON) 0 days 4:00 am Currency pairs (RON)
Saudi Riyal (SAR) 1 day 9:00 am Currency pairs (SAR)
Singapore Dollar (SGD) 1 day 2 days 9:00 am 3:30 am Payment guide (SGD)
Currency pairs (SGD)
South African Rand (ZAR) 0 days 5:30 am Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 2 days 5:30 am 11:30 am Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 5:30 am Currency pairs (CHF)
Thai Baht (THB) 1 day 4:00 am Currency pairs (THB)
Turkish Lira (TRY) 0 days 4:30 am Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 4:00 am Currency pairs (UGX)
UK Sterling (GBP) 0 days 0 days 11:30 am 10:30 am Payment guide (GBP)
Currency pairs (GBP)
United Arab Emirates Dirham  (AED) 1 day 9:00 am Currency pairs (AED)
US Dollar (USD) 0 days 0 days 11:30 am 11:30 am Payment guide (USD)
Currency pairs (USD)
Currency (ISO) Priority (SWIFT) Regular (Local) Cut off times (SGT)PriorityRegular Guides
Australian Dollar (AUD) 1 day 2 days 10:00 pm 9:30 pm Payment guide (AUD)
Currency pairs (AUD)
Bahrain Dinar (BHD) 1 day 10:00 pm Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 4:30 pm Currency pairs (BGN)
Canadian Dollar (CAD) 0 days 2 days 10:00 pm 4:30 pm Payment guide (CAD)
Currency pairs (CAD)
Chinese Yuan (CNY) 1 day 5:00 pm Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 4:30 pm Currency pairs (HRK)
Czech Koruna (CZK) 0 days 1 day 5:00 pm 4:30 pm Payment guide (CZK)
Currency pairs (CZK)
Danish Krone (DKK) 0 days 0 days 6:30 pm 4:30 pm Payment guide (DKK)
Currency pairs (DKK)
Euro (EUR) 0 days 0 days 10:30 pm 8:30 pm Payment guide (EUR)
Currency pairs (EUR)
HongKong Dollar (HKD) 1 day 1 day 10:00 pm 4:30 pm Payment guide (HKD)
Currency pairs (HKD)
Hungarian Forint (HUF) 0 days 0 days 5:00 pm 4:30 pm Payment guide (HUF)
Currency pairs (HUF)
Indian Rupee (INR) 1 day 12:30 am  Payment guide (INR)
Currency pairs (INR)
Japanese Yen (JPY) 1 day 10:00 pm Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 10:00 pm Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 10:00 pm Currency pairs (KWD)
Mexican Peso (MXN) 0 days 1 day 5:00 pm 4:30 pm Payment guide (MXN)
Currency pairs (MXN)
Israeli Shekel (ILS) 1 day 10:00 pm Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 10:00 pm Currency pairs (NZD)
Norwegian Krone (NOK) 0 days 0 days 6:30 pm 6:30 pm Payment guide (NOK)
Currency pairs (NOK)
Omani Rial (OMR) 1 day 10:00 pm Currency pairs (OMR)
Polish Zloty (PLN) 0 days 0 days 5:30 pm 5:30 pm Payment guide (PLN)
Currency pairs (PLN)
Qatar Rial (QAR) 1 day 10:00 pm Currency pairs (QAR)
Romanian Leu (RON) 0 days 5:00 pm Currency pairs (RON)
Saudi Riyal (SAR) 1 day 10:00 pm Currency pairs (SAR)
Singapore Dollar (SGD) 1 day 2 days 10:00 pm 4:30 pm Payment guide (SGD)
Currency pairs (SGD)
South African Rand (ZAR) 0 days 6:30 pm Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 2 days 6:30 pm 12:30 am Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 6:30 pm Currency pairs (CHF)
Thai Baht (THB) 1 day 5:00 pm Currency pairs (THB)
Turkish Lira (TRY) 0 days 5:30 pm Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 5:00 pm Currency pairs (UGX)
UK Sterling (GBP) 0 days 0 days 12:30 am 11:30 pm Payment guide (GBP)
Currency pairs (GBP)
United Arab Emirates Dirham  (AED) 1 day 10:00 pm Currency pairs (AED)
US Dollar (USD) 0 days 0 days 12:30 am 12:30 am Payment guide (USD)
Currency pairs (USD)

Financial Terminology

0 days = T+0 (TOD, or same day)

1 day = T+1 (TOM, or next day)

2 days = T+2 (Spot)

3 days = T+3 (Spot + 1)

Priority (SWIFT) = The duration it takes to make a payment via SWIFT.

Regular (Local) = The duration it takes to make a local payment in the same country.

Cut off times = These are the times funds must be received and cleared by Currencycloud in order to honor your instruction.

Guides = These are associated resources available on Currencycloud:

  • Currency pairs:  currencies available pairs, e.g. GBP to USD
  • Payment guides: guidance on how to make a payment in the associated currency