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.
UK time (GMT +01:00)
| Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off times (GMT+1) | |
|---|---|---|---|---|
| Priority | Regular | |||
 Australian Dollar (AUD) |  1 day | 2 days | 2:00 pm | 1:30 pm |
 Bahrain Dinar (BHD) | 1 day | – | 2:00 pm | – |
 Bulgarian Lev (BGN) | 0 days | – | 8:30 am | – |
 Canadian Dollar (CAD) | 0 days | 2 days | 2:00 pm | 4:30 pm |
 Chinese Yuan (CNY) | 1 day | – | 9:00 am | – |
 Croatian Kuna (HRK) | 0 days | – | 8:30 am | – |
 Czech Koruna (CZK) | 0 days | 1 day | 9:00 am | 8:30 am |
 Danish Krone (DKK) | 0 days | 0 days | 10:30 am | 8:30 am |
 Euro (EUR) | 0 days | 0 days | 2:30 pm | 12:30 pm |
 Hong Kong Dollar (HKD) | 1 day | 1 day | 2:00 pm | 1:30 pm |
 Hungarian Forint (HUF) | 0 days | 0 days | 9:00 am | 8:30 am |
 Indian Rupee (INR) | – | 0 days | – | 4:30 pm |
 Indonesian Rupiah (IDR) | – | 0 days | – | 4:30 pm |
 Japanese Yen (JPY) | 1 day | – | 2:00 pm | – |
 Kenyan Shilling (KES) | 1 day | – | 2:00 pm | – |
 Kuwait Dinar (KWD) | 1 day | – | 2:00 pm | – |
 Malaysian Ringgit (MYR) | – | 0 days | – | 4:30 pm |
 Mexican Peso (MXN) | 0 days | 1 day | 9:00 am | 8:30 am |
 Israeli Shekel (ILS) | 1 day | – | 2:00 pm | – |
 New Zealand Dollar (NZD) | 1 day | – | 2:00 pm | – |
 Norwegian Krone (NOK) | 0 days | 0 days | 10:30 am | 10:30 am |
 Omani Rial (OMR) | 1 day | – | 2:00 pm | – |
 Philippine Peso (PHP) | – | 0 day | – | 4:30 pm |
 Polish Zloty (PLN) | 0 days | 0 days | 9:30 am | 9:30 am |
 Qatar Rial (QAR) | 1 day | – | 2:00 pm | – |
 Romanian Leu (RON) | 0 days | – | 9:00 am | – |
 Saudi Riyal (SAR) | 1 day | – | 2:00 pm | – |
 Singapore Dollar (SGD) | 1 day | 2 days | 2:00 pm | 8:30 am |
 South African Rand (ZAR) | 0 days | – | 10:30 am | – |
 Swedish Krona (SEK) | 0 days | 0 days | 10:30 am | 10:30 am |
 Swiss Franc (CHF) | 0 days | – | 10:30 am | – |
 Thai Baht (THB) | 1 day | – | 9:00 am | – |
 Turkish Lira (TRY) | 0 days | – | 9:30 am | – |
 Ugandan Shilling (UGX) | 1 day | – | 9:00 am | – |
 UK Sterling (GBP) | 0 days | 0 days | 4:30 pm | 3:30 pm |
 United Arab Emirates Dirham (AED) | 1 day | – | 2:00 pm | – |
 US Dollar (USD) | 0 days | 0 days | 4:30 pm | 4:30 pm |
US time (EST -05:00)
| Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off times (EST-5) | |
|---|---|---|---|---|
| Priority | Regular | |||
| Australian Dollar (AUD) | 1 day | 2 days | 9:00 am | 8:30 am |
| Bahrain Dinar (BHD) | 1 day | – | 9:00 am | – |
| Bulgarian Lev (BGN) | 0 days | – | 3:30 am | – |
| Canadian Dollar (CAD) | 0 days | 2 days | 9:00 am | 11:30 am |
| Chinese Yuan (CNY) | 1 day | – | 4:00 am | – |
| Croatian Kuna (HRK) | 0 days | – | 3:30 am | – |
| Czech Koruna (CZK) | 0 days | 1 day | 4:00 am | 3:30 am |
| Danish Krone (DKK) | 0 days | 0 days | 10:30 am | 8:30 am |
| Euro (EUR) | 0 days | 0 days | 9:30 am | 7:30 am |
| Hong Kong Dollar (HKD) | 1 day | 1 day | 9:00 am | 8:30 am |
| Hungarian Forint (HUF) | 0 days | 0 days | 4:00 am | 3:30 am |
| Indian Rupee (INR) | – | 0 days | – | 11:30 am |
| Indonesian Rupiah (IDR) | – | 0 days | – | 11:30 am |
| Japanese Yen (JPY) | 1 day | – | 9:00 am | – |
| Kenyan Shilling (KES) | 1 day | – | 9:00 am | – |
| Kuwait Dinar (KWD) | 1 day | – | 9:00 am | – |
| Malaysian Ringgit (MYR) | – | 0 days | – | 11:30 am |
| Mexican Peso (MXN) | 0 days | 1 day | 4:00 am | 3:30 am |
| Israeli Shekel (ILS) | 1 day | – | 9:00 am | – |
| New Zealand Dollar (NZD) | 1 day | – | 9:00 am | – |
| Norwegian Krone (NOK) | 0 days | 0 days | 5:30 am | 5:30 am |
| Omani Rial (OMR) | 1 day | – | 9:00 am | – |
| Philippine Peso (PHP) | – | 0 day | – | 11:30 am |
| Polish Zloty (PLN) | 0 days | 0 days | 4:30 am | 4:30 am |
| Qatar Rial (QAR) | 1 day | – | 9:00 am | – |
| Romanian Leu (RON) | 0 days | – | 4:00 am | – |
| Saudi Riyal (SAR) | 1 day | – | 9:00 am | – |
| Singapore Dollar (SGD) | 1 day | 2 days | 9:00 am | 3:30 am |
| South African Rand (ZAR) | 0 days | – | 5:30 am | – |
| Swedish Krona (SEK) | 0 days | 0 days | 5:30 am | 5:30 am |
| Swiss Franc (CHF) | 0 days | – | 5:30 am | – |
| Thai Baht (THB) | 1 day | – | 4:00 am | – |
| Turkish Lira (TRY) | 0 days | – | 4:30 am | – |
| Ugandan Shilling (UGX) | 1 day | – | 4:00 am | – |
| UK Sterling (GBP) | 0 days | 0 days | 11:30 am | 10:30 am |
| United Arab Emirates Dirham (AED) | 1 day | – | 9:00 am | – |
| US Dollar (USD) | 0 days | 0 days | 11:30 am | 11:30 am |
Singapore time (SGT +08:00)
| Currency (ISO) | Priority (SWIFT) | Regular (Local) | Cut off times (SGT+8) | |
|---|---|---|---|---|
| Priority | Regular | |||
| Australian Dollar (AUD) | 1 day | 2 days | 10:00 pm | 9:30 pm |
| Bahrain Dinar (BHD) | 1 day | – | 10:00 pm | – |
| Bulgarian Lev (BGN) | 0 days | – | 4:30 pm | – |
| Canadian Dollar (CAD) | 0 days | 2 days | 10:00 pm | 12:30 am |
| Chinese Yuan (CNY) | 1 day | – | 5:00 pm | – |
| Croatian Kuna (HRK) | 0 days | – | 4:30 pm | – |
| Czech Koruna (CZK) | 0 days | 1 day | 5:00 pm | 4:30 pm |
| Danish Krone (DKK) | 0 days | 0 days | 6:30 pm | 4:30 pm |
| Euro (EUR) | 0 days | 0 days | 10:30 pm | 8:30 pm |
| Hong Kong Dollar (HKD) | 1 day | 1 day | 10:00 pm | 9:30 pm |
| Hungarian Forint (HUF) | 0 days | 0 days | 5:00 pm | 4:30 pm |
| Indian Rupee (INR) | – | 0 days | – | 12:30 am |
| Indonesian Rupiah (IDR) | – | 0 days | – | 12:30 am |
| Japanese Yen (JPY) | 1 day | – | 10:00 pm | – |
| Kenyan Shilling (KES) | 1 day | – | 10:00 pm | – |
| Kuwait Dinar (KWD) | 1 day | – | 10:00 pm | – |
| Malaysian Ringgit (MYR) | – | 0 days | – | 12:30 am |
| Mexican Peso (MXN) | 0 days | 1 day | 5:00 pm | 4:30 pm |
| Israeli Shekel (ILS) | 1 day | – | 10:00 pm | – |
| New Zealand Dollar (NZD) | 1 day | – | 10:00 pm | – |
| Norwegian Krone (NOK) | 0 days | 0 days | 6:30 pm | 6:30 pm |
| Omani Rial (OMR) | 1 day | – | 10:00 pm | – |
| Philippine Peso (PHP) | – | 0 day | – | 12:30 am |
| Polish Zloty (PLN) | 0 days | 0 days | 5:30 pm | 5:30 pm |
| Qatar Rial (QAR) | 1 day | – | 10:00 pm | – |
| Romanian Leu (RON) | 0 days | – | 5:00 pm | – |
| Saudi Riyal (SAR) | 1 day | – | 10:00 pm | – |
| Singapore Dollar (SGD) | 1 day | 2 days | 10:00 pm | 4:30 pm |
| South African Rand (ZAR) | 0 days | – | 6:30 pm | – |
| Swedish Krona (SEK) | 0 days | 0 days | 6:30 pm | 6:30 pm |
| Swiss Franc (CHF) | 0 days | – | 6:30 pm | – |
| Thai Baht (THB) | 1 day | – | 5:00 pm | – |
| Turkish Lira (TRY) | 0 days | – | 5:30 pm | – |
| Ugandan Shilling (UGX) | 1 day | – | 5:00 pm | – |
| UK Sterling (GBP) | 0 days | 0 days | 12:30 am | 11:30 pm |
| United Arab Emirates Dirham (AED) | 1 day | – | 10:00 pm | – |
| US Dollar (USD) | 0 days | 0 days | 12:30 am | 12:30 am |
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