Payment processing times for specific countries
When you send money abroad using 365 online or the mobile app, the time it takes to get there depends on when you make the payment request, where you’re sending it to, and the currency. (For comparison, see information on SEPA payments.)
The lists below show how long you should expect payments to take before they reach payee accounts.
From the Republic of Ireland
The cut-off time for international non-SEPA payment requests is 3.30pm, Monday to Friday (excluding bank holidays). Payments requested after 3.30pm will be processed on the next working day.
Working example: a GBP payment for an account in the UK, requested at 1pm on Tuesday, will appear in the payee’s bank on Wednesday (day of request +1).
- Countries and currencies: ROI
| Country/Currency |
Working days to reach payee's bank |
| EUR payments to China, Pakistan, Russia and Turkey |
+1 |
| Australia / Dollar (AUD) |
+2 |
| Canada / Dollar (CAD) |
+1 |
| Croatia / Kuna HRK (HRK) |
+2 |
| Czech Republic / Koruna (CZK) |
+2 |
| Denmark / Krone (DKK) |
+1 |
| Hong Kong / Dollar (HKD) |
+2 |
| Hungary / Forint (HUF) |
+2 |
| India / Rupee (INR) |
+3 |
| New Zealand / Dollar (NZD) |
+2 |
| Norway / Krone (NOK) |
+1 |
| Philippines / Peso (PHP) |
+3 |
| Poland / Zloty (PLN) |
+1 |
| Singapore / Dollar (SGD) |
+2 |
| South Africa / Rand (ZAR) |
+2 |
| Sweden / Krona (SEK) |
+1 |
| Switzerland / Franc (CHF) |
+1 |
| Thailand / Baht (THB) |
+2 |
| Turkey / Lira (TRY) |
+1 |
| United Arab Emirates / Dirham (AED) |
+2 |
| United Kingdom / Pound (GBP) |
+1 |
| United States / Dollar (USD) |
+1 |
From Northern Ireland / Great Britain
The cut-off time for payment requests is 4.30pm, Monday to Friday (excluding bank holidays). Payments requested after 4.30pm will be processed on the next working day.
Working example: a USD payment for an account in the United States, requested at 1pm on Tuesday, will appear in the payee’s bank on Wednesday (day of request +1).
- Countries and currencies: NI / GB
| Country/Currency |
Working days to reach payee's bank |
| Australia / Dollar (AUD) |
+2 |
| Canada / Dollar (CAD) |
+1 |
| Croatia / Kuna HRK (HRK) |
+2 |
| Czech Republic / Koruna (CZK) |
+2 |
| Denmark / Krone (DKK) |
+1 |
| Hong Kong / Dollar (HKD) |
+1 |
| Hungary / Forint (HUF) |
+2 |
| India / Rupee (INR) |
+3 |
| Mexico / Peso (MXN) |
+2 |
| New Zealand / Dollar (NZD) |
+2 |
| Norway / Krone (NOK) |
+1 |
| Philippines / Peso (PHP) |
+3 |
| Poland / Zloty (PLN) |
+1 |
| Romania / Leu (RON) |
+2 |
| Singapore / Dollar (SGD) |
+2 |
| South Africa / Rand (ZAR) |
+2 |
| Sweden / Krona (SEK) |
+1 |
| Switzerland / Franc (CHF) |
+1 |
| Thailand / Baht (THB) |
+2 |
| Turkey / Lira (TRY) |
+1 |
| United Arab Emirates / Dirham (AED) |
+2 |
| United States / Dollar (USD) |
+1 |
Countries for which we offer GBP currency payments |
Working days to reach payee's bank |
| Austria; Belgium; Bulgaria; Croatia; Cyprus; Czech Republic; Denmark; Estonia; Finland; France; Germany; Greece; Hungary; Iceland; Ireland; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Malta; Netherlands; Norway; Poland; Portugal; Romania; Slovak Republic; Slovenia; Spain; Sweden; Switzerland |
+1 |