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 3 days 2:00 pm 12:00 pm Payment guide (AUD)
Currency pairs (AUD)
Bahrain Dinar (BHD) 1 day 2:00 pm Currency pairs (BHD)
Bulgarian Lev (BGN) 1 day 2:00 pm 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) 2 days 4:30 pm Currency pairs (CNY)
Croatian Kuna (HRK) 1 day 2:00 pm
Czech Koruna (CZK) 1 day 2 days 4:30 pm 4:30 pm Currency pairs (CZK)
Danish Krone (DKK) 1 day 1 day 4:30 pm 4:30 pm Payment guide (DKK)
Currency pairs (DKK)
Euro (EUR) 0 days 1 day 2:00 pm 2:00 pm Payment guide (EUR)
Currency pairs (EUR)
HongKong Dollar (HKD) 1 day 0 days 2:00 pm 12:00 pm Payment guide (HKD)
Currency pairs (HKD)
Hungarian Forint (HUF) 1 day 2 days 4:30 pm 4:30 pm Currency pairs (HUF)
Japanese Yen (JPY) 1 day 2:00 pm Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 2:00 pm
Kuwait Dinar (KWD) 1 day 2:00 pm
Mexican Peso (MXN) 1 day 3 days 2:00 pm 4:30 pm 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) 1 day 1 day 4:30 pm 4:30 pm Payment guide (NOK)
Currency pairs (NOK)
Omani Rial (OMR) 1 day 2:00 pm
Polish Zloty (PLN) 0 days 1 day 9:45 am 4:30 pm Payment guide (PLN)
Currency pairs (PLN)
Qatar Rial (QAR) 1 day 2:00 pm Currency pairs (QAR)
Romanian Leu (RON) 1 day 4:30 pm Currency pairs (RON)
Saudi Riyal (SAR) 1 day 2:00 pm Currency pairs (SAR)
Singapore Dollar (SGD) 1 day 3 days 2:00 pm 12:00 pm Payment guide (SGD)
Currency pairs (SGD)
South African Rand (ZAR) 0 days 9:45 am Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 2 days 9:45 am 4:30 pm Payment guide (SEK)
Currency pairs (SEK)
Swiss franc (CHF) 0 days 9:45 am Currency pairs (CHF)
Thai Baht (THB) 2 days 4:30 pm Currency pairs (THB)
Turkish Lira (TRY) 1 day 4:30 pm Currency pairs (TRY)
Ugandan Shilling (UGX) 2 days 4:30 pm
UK Sterling (GBP) 0 days 0 days 2:00 pm 2:00 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 09:00 am Payment guide (AUD)
Currency pairs (AUD)
Bahrain Dinar (BHD) 1 day 09:00 am Currency pairs (BHD)
Bulgarian Lev (BGN) 1 day 09:00 am Currency pairs (BGN)
Canadian Dollar (CAD) 0 days 09:00 am Payment guide (CAD)
Currency pairs (CAD)
Chinese Yuan (CNY) 2 days 11:30 am Currency pairs (cny)
Croatian Kuna (HRK) 1 day 09:00 am Currency pairs (HRK)
Czech Koruna (CZK) 1 day 11:30 am Currency pairs (CZK)
Danish Krone (DKK) 1 day 1 day 11:30 am 11:30 am Payment guide (DKK)
Currency pairs (DKK)
Euro (EUR) 0 days 1 day 09:00 am 09:00 am Payment guide (EUR)
Currency pairs (EUR)
HongKong Dollar (HKD) 1 day 0 days 09:00 am 07:00 am Payment guide (HKD)
Currency pairs (HKD)
Hungarian Forint (HUF) 1 day 11:30 am Currency pairs (HUF)
Japanese Yen (JPY) 1 day 09:00 am Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 09:00 am
Kuwait Dinar (KWD) 1 day 09:00 am Currency pairs (KWD)
Mexican Peso (MXN) 1 day 11:30 am Currency pairs (MXN)
New Israeli Shekel (ILS) 1 day 09:00 am Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 09:00 am Currency pairs (NZD)
Norwegian Krone (NOK) 1 day 1 day 11:30 am 11:30 am Payment guide (NOK)
Currency pairs (NOK)
Omani Rial (OMR) 1 day 09:00 am Currency pairs (OMR)
Polish Zloty (PLN) 0 days 1 day 4:45 am 11:30 am Payment guide (PLN)
Currency pairs (PLN)
Qatar Rial (QAR) 1 day 09:00 am Currency pairs (QAR)
Romanian Leu (RON) 1 day 11:30 am Currency pairs (RON)
Saudi Riyal (SAR) 1 day 09:00 am Currency pairs (SAR)
Singapore Dollar (SGD) 1 day 3 days 09:00 am 07:00 am Currency pairs (SGD)
South African Rand (ZAR) 0 days 04:45 am Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 2 days 04:45 am 11:30 am Payment guide (SEK)
Currency pairs (SEK)
Swiss franc (CHF) 0 days 04:45 am Currency pairs (CHF)
Thai Baht (THB) 2 days 11:30 am Currency pairs (THB)
Turkish Lira (TRY) 1 day 11:30 am Currency pairs (TRY)
Ugandan Shilling (UGX) 2 days 11:30 am
UK Sterling (GBP) 0 days 0 days 09:00 am 09:00 am Payment guide (GBP)
Currency pairs (GBP)
United Arab Emirates Dirham  (AED) 1 day 09:00 am Currency pairs (AED)
US Dollar (USD) 0 days 0 days 11:30 am 11:30 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