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+1)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 Payment guide (BHD)
Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 8:30 am Payment guide (BGN)
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 Payment guide (CNY)
Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 8:30 am Payment guide (HRK)
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)
Hong Kong Dollar (HKD) 1 day 1 day 2:00 pm 1:30 pm 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)  0 days 4:30 pm Payment guide (INR)
Currency pairs (INR)
Indonesian Rupiah (IDR)  0 days 4:30 pm Payment guide (IDR)
Currency pairs (IDR)
Japanese Yen (JPY) 1 day 2:00 pm Payment guide (JPY)
Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 2:00 pm Payment guide (KES)
Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 2:00 pm Payment guide (KWD)
Currency pairs (KWD)
Malaysian Ringgit (MYR)   0 days 4:30 pm Payment guide (MYR)
Currency pairs (MYR)
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 Payment guide (ILS)
Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 2:00 pm Payment guide (NZD)
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 Payment guide (OMR)
Currency pairs (OMR)
Philippine Peso (PHP)   0 day 4:30 pm Payment guide (PHP)
Currency pairs (PHP)
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 Payment guide (QAR)
Currency pairs (QAR)
Romanian Leu (RON) 0 days 9:00 am Payment guide (RON)
Currency pairs (RON)
Saudi Riyal (SAR) 1 day 2:00 pm Payment guide (SAR)
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 Payment guide (ZAR)
Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 0 days 10:30 am 10:30 am Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 10:30 am Payment guide (CHF)
Currency pairs (CHF)
Thai Baht (THB) 1 day 9:00 am Payment guide (THB)
Currency pairs (THB)
Turkish Lira (TRY) 0 days 9:30 am Payment guide (TRY)
Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 9:00 am Payment guide (UGX)
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 Payment guide (AED)
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 Payment guide (BHD)
Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 3:30 am Payment guide (BGN)
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 Payment guide (CNY)
Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 3:30 am Payment guide (HRK)
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)
Hong Kong Dollar (HKD) 1 day 1 day 9:00 am 8:30 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) – Beta 0 days 11:30 am Payment guide (INR)
Currency pairs (INR)
Indonesian Rupiah (IDR) – Beta 0 days 11:30 am Payment guide (IDR)
Currency pairs (IDR)
Japanese Yen (JPY) 1 day 9:00 am Payment guide (JPY)
Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 9:00 am Payment guide (KES)
Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 9:00 am Payment guide (KWD)
Currency pairs (KWD)
Malaysian Ringgit (MYR) – Beta  0 days 11:30 am Payment guide (MYR)
Currency pairs (MYR)
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 Payment guide (ILS)
Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 9:00 am Payment guide (NZD)
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 Payment guide (OMR)
Currency pairs (OMR)
Philippine Peso (PHP) – Beta  0 days 11:30 am Payment guide (PHP)
Currency pairs (PHP)
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 Payment guide (QAR)
Currency pairs (QAR)
Romanian Leu (RON) 0 days 4:00 am Payment guide (RON)
Currency pairs (RON)
Saudi Riyal (SAR) 1 day 9:00 am Payment guide (SAR)
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 Payment guide (ZAR)
Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 0 days 5:30 am 5:30 am Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 5:30 am Payment guide (CHF)
Currency pairs (CHF)
Thai Baht (THB) 1 day 4:00 am Payment guide (THB)
Currency pairs (THB)
Turkish Lira (TRY) 0 days 4:30 am Payment guide (TRY)
Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 4:00 am Payment guide (UGX)
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 Payment guide (AED)
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 Payment guide (BHD)
Currency pairs (BHD)
Bulgarian Lev (BGN) 0 days 4:30 pm Payment guide (BGN)
Currency pairs (BGN)
Canadian Dollar (CAD) 0 days 2 days 10:00 pm 12:30 am Payment guide (CAD)
Currency pairs (CAD)
Chinese Yuan (CNY) 1 day 5:00 pm Payment guide (CNY)
Currency pairs (CNY)
Croatian Kuna (HRK) 0 days 4:30 pm Payment guide (HRK)
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)
Hong Kong Dollar (HKD) 1 day 1 day 10:00 pm 9:30 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) – Beta 0 days 12:30 am  Payment guide (INR)
Currency pairs (INR)
Indonesian Rupiah (IDR) – Beta 0 days 12:30 am  Payment guide (IDR)
Currency pairs (IDR)
Japanese Yen (JPY) 1 day 10:00 pm Payment guide (JPY)
Currency pairs (JPY)
Kenyan Shilling (KES) 1 day 10:00 pm Payment guide (KES)
Currency pairs (KES)
Kuwait Dinar (KWD) 1 day 10:00 pm Payment guide (KWD)
Currency pairs (KWD)
Malaysian Ringgit (MYR) – Beta  0 days 12:30 am Payment guide (MYR)
Currency pairs (MYR)
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 Payment guide (ILS)
Currency pairs (ILS)
New Zealand Dollar (NZD) 1 day 10:00 pm Payment guide (NZD)
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 Payment guide (OMR)
Currency pairs (OMR)
Philippine Peso (PHP) – Beta  0 days 12:30 am Payment guide (PHP)
Currency pairs (PHP)
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 Payment guide (QAR)
Currency pairs (QAR)
Romanian Leu (RON) 0 days 5:00 pm Payment guide (RON)
Currency pairs (RON)
Saudi Riyal (SAR) 1 day 10:00 pm Payment guide (SAR)
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 Payment guide (ZAR)
Currency pairs (ZAR)
Swedish Krona (SEK) 0 days 0 days 6:30 pm 6:30 pm Payment guide (SEK)
Currency pairs (SEK)
Swiss Franc (CHF) 0 days 6:30 pm Payment guide (CHF)
Currency pairs (CHF)
Thai Baht (THB) 1 day 5:00 pm Payment guide (THB)
Currency pairs (THB)
Turkish Lira (TRY) 0 days 5:30 pm Payment guide (TRY)
Currency pairs (TRY)
Ugandan Shilling (UGX) 1 day 5:00 pm Payment guide (UGX)
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 Payment guide (AED)
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