Mass payments client cut off times

Support Guide

10 Min read

Mass payments client cut off times

Last updated:

09/22/2026

Mass Payments

Ebury

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Content

Overview

This document contains a list of currency cut off times to help assist with planning your payments.Please note that 'T+' refers to the number of days a particular currency takes to settle. 'T' refers to 'Today', and the number refers to the number of days taken to settle.For example: if a currency states T+1 10.00am, this means if your payment is funded and authorised before 10am, the funds will credit the next day. Please note the days refer only to working days when markets are open.

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Test Payments

Ebury recommend penny testing all beneficiaries in advance of a full payment run, particularly in the case of large first time payment batches.

When executing large batches of test payments (e.g. untested new payrolls), Ebury requires an extra day in addition to the times listed in this document in order to clear any screening queries that may arise on these first time beneficiaries.

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Tax Authority and Statutory Payments

Ebury strongly recommend that all tax authority and statutory payments are sent for the soonest possible value date, and to allow extra time than that stated in this document. Though funds may be received by tax/statutory authorities from Ebury on time, there is often additional processing time on the receiving end in order for tax authority to allocate funds/reconcile on their end. To avoid delays/fines, please allow as much time as possible for tax payments.

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Payment Method

SGD GIRO/Paylink Payments

It is important to note that there is an implementation period for setting up the SGD GIRO/Paylink method. If an account needs to be paid via the GIRO method please contact your Relationship Manager for further details.

For all Singapore Dollar payments, please allow an extra day for the funds to credit if a foreign currency exchange is involved.
Please see an example below;
SGD/SGD - 14:30 T+2 whereas GBP/SGD - 14:30 T+3

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Best Practice

Authorising payments

Please note that payments can be authorised before funding is received. However please ensure that the account information, figures and value dates required are accurate before doing so as this cannot be edited once authorised.

Large payrolls/payment batches

It is strongly advised that any large payrolls/payment batches are funded and authorised as far in advance of the currency cut off times as feasibly possible. This will allow ample time for processing and clearing of any new potential payment queries which may arise (particularly where beneficiaries are being paid for the first time)

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SEPA Countries

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Vatican City

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Client cut off times

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Country	Currency	Cut off time (UK)	Value date	Notes
United Arab Emirates	AED	11:00	T+1
Albania	ALL	13:30	T+2	Payments must be for a commercial service Payments of ALL cannot be sent to a beneficiary bank outside of Albania
Armenia	AMD	13:30	T+2	Payments must have a commercial purpose i.e. goods and services Payments of AMD cannot be sent to a beneficiary bank outside of Armenia
Angola	AOA	09:30	T+1	Payments of AOA cannot be sent to a beneficiary bank outside of Angola
Argentina	ARS	13:30	T+2	Upon request the relationship between the remitter and beneficiary Nature of business and invoice may be required to process the payment
Australia	AUD	15:00	T+1
Aruba	AWG	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of AWG cannot be sent to a beneficiary bank outside of Aruba
Azerbaijan	AZN	13:00	T+4-6	Minimum transaction amount USD 25 equivalent Payments of AZN cannot be sent to a beneficiary bank outside of Azerbaijan
Bosnia and Herzegovina	BAM	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of BAM cannot be sent to a beneficiary bank outside of Bosnia and Herzegovina BAM is settled as a EUR transfer. The beneficiary decides whether to withdraw the funds in BAM or in EUR at their bank
Barbados	BBD	15:45	T+1
Bangladesh	BDT	11:30	T+2
Bulgaria	BGN	15:15	T+1
Bahrain	BHD	11:00	T+1
Burundi	BIF	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of BIF cannot be sent to a beneficiary bank outside of Burundi
Bermuda	BMD	13:30	T+4-6
Brunei Darussalam	BND	11:00	T+2
Bolivia	BOB	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of BOB cannot be sent to a beneficiary bank outside of Bolivia
Brazil	BRL	13:30	T+2	Once payment total to a beneficiary exceeds USD 9,000 equivalent (either in one payment or the cumulative total historically), a pre-registration process is required to register the beneficiary at a banking level. This may take 7-10 days to complete, so please ensure this is taken into account when making payments For corporate account beneficiaries, the pre-registration process will require the following additional information: Contact name at the beneficiary company; Email address at beneficiary company. Please speak to your relationship manager for further information
Bahamas	BSD	15:45	T+1
Bhutan	BTN	13:00	T+4-6	Payments of BTN cannot be sent to a beneficiary bank outside of Bhutan
Botswana	BWP	15:45	T+2
Belarus	BYN	13:00	T+4-6	Currently unavailable due to sanctions No payments can be made to individual beneficiaries that hold an account with BSB Bank (UNBSBY2X) Belarusian resident beneficiaries may be required to provide additional documentation as requested Minimum transaction amount USD 25 equivalent Payments of BYN cannot be sent to a beneficiary bank outside of Belarus
Belize	BZD	13:00	T+4-6
Canada	CAD	13:15	Same Day
Congo (DRC)	CDF	13:30	T+2	Minimum transaction value USD 25 equivalent Payments of CDF cannot be sent to a beneficiary bank outside of Congo (DRC)
Liechtenstein	CHF	08:15	Same Day
Switzerland	CHF	08:15	Same Day
Chile	CLP	13:30	T+2
China	CNY	11:00	T+1	Beneficiary details must match exactly or payments run the risk of being rejected Payments for individuals are sent via the UnionPay network and may require pre-registration. Please enquire with your relationship manager for further information. Payments per beneficiary cannot exceed USD 5000 equivalent per day, therefore larger transfers may be split into tranches
Colombia	COP	14:00	T+1	There is a monthly accumulated limit per beneficiary of USD 3,000 for either business to business, or business to person. For payouts of more than the limit, documentary proof of nature of transaction must be provided
Costa Rica	CRC	13:30	T+2
Cape Verde	CVE	13:30	T+2	Payments must have a commercial purpose i.e. goods and services. Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs. Please speak to your Ebury relationship manager for more information
Czech Republic	CZK	17:00	T+1
Djibouti	DJF	13:30	T+5-7	Payment amounts must be whole numbers Payments containing DJF amounts with decimal places will always be rounded up to the nearest whole number Payments must have a commercial purpose i.e. goods and services All payments to Dahabshil Bank International DBISDJJ2 cannot be processed
Denmark	DKK	09:35	Same Day
Dominican Republic	DOP	13:30	T+2
Algeria	DZD	13:30	T+2	Currently only outward payments with supporting FX Payments must have a commercial purpose i.e. goods and services Payments cannot be sent to individuals Payments sent to individuals will be rejected
Egypt	EGP	15:30	T+2
Eritrea	ERN	13:00	T+4-6	Beneficiary must have a presence in the country, Corporate clients must be a registered entity in Eritrea Payments can be made only to onshore residents Minimum transaction value USD 25 equivalent Payments of ERN cannot be sent to a bank outside Eritrea
Ethiopia	ETB	13:30	T+2	Payments must have a commercial purpose i.e. goods and services Payments of ETB cannot be sent to a beneficiary bank outside of Ethiopia
All	EUR	09:00	Same Day	Settlement times for EUR to non EUR countries may vary Same day payments instructed between 09:00 - 13:00 UK time are possible via Urgent wire, however these may incur additional charges. Please speak to your Relationship Manager for further details.
Fiji	FJD	15:15	T+2
Non UK	GBP	11:00	Same Day	Settlement times for GBP to non GBP countries may vary
United Kingdom	GBP	14:00	Same Day	Urgent request requires authorisation. This may also incur additional charges
Georgia	GEL	13:30	T+2	Currently only outward payments with supporting FX are available Payments must have a commercial purpose i.e. goods and services
Ghana	GHS	15:45	T+2
Gambia	GMD	17:00	T+3
Guinea	GNF	13:00	T+4-6	Minimum transaction amount USD 25 equivalent Payments of GNF cannot be sent to a bank outside of Guinea
Guatemala	GTQ	13:30	T+2	Payments must have a commercial purpose i.e. goods and services Payments of GTQ cannot be sent to a beneficiary bank located outside of Guatemala
Hong Kong	HKD	15:00	T+1
Honduras	HNL	13:30	T+2	Payments must have a commercial purpose i.e. goods and services
Haiti	HTG	13:00	T+4-6
Hungary	HUF	09:35	Same Day
Indonesia	IDR	08:00	T+2
Israel	ILS	11:00	T+1
India	INR	11:00	T+1	Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs. Please speak to your Ebury relationship manager for more information
Iceland	ISK	13:30	T+2	Payments must have a commercial purpose i.e. goods and services
Jamaica	JMD	15:45	T+1
Jordan	JOD	11:00	T+1
Japan	JPY	15:00	T+1	Payments sent in JPY must be in whole amounts as the currency doesn't support cents
Kenya	KES	15:30	T+2	The minimum fraction on a payment in KES is .05, any amount lower than this cannot be sent. Please ensure payments are rounded to the nearest 0.05.
Libya	LYD	13:00	T+4-6
Morocco	MAD	16:30	T+2
Moldova	MDL	13:00	T+4-6
Madagascar	MGA	14:30	T+2
Macedonia, (FYR)	MKD	13:00	T+4-6
Myanmar	MMK	15:00	T+4-6
Mongolia	MNT	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of MNT cannot be sent to a beneficiary bank outside of Mongolia MNT payments must only be sent to an MNT denominated account
Macau	MOP	13:00	T+2-5
Mauritania	MRU	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of MRU cannot be sent to a beneficiary bank outside of Mauritania
Mauritius	MUR	15:30	T+2
Maldives	MVR	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of MVR cannot be sent to a beneficiary bank outside of Maldives
Mexico	MXN	09:15	Same Day
Malaysia	MYR	13:30	T+2	Minimum transaction amount USD 25 equivalent Payments of MYR cannot be sent to a beneficiary bank outside of Malaysia Supporting documents may be requested for transactions above USD 1 million
Mozambique	MZN	14:30	T+2	Clients are unable to hold a bank account in MZN in the UK Payments must have a commercial purpose i.e. goods and services Payments of MZN cannot be sent to a beneficiary bank outside of Mozambique
Namibia	NAD	13:30	T+2	Clients are unable to hold a bank account in NAD in the UK Payments must have a commercial purpose i.e. goods and services Payments of NAD cannot be sent to a beneficiary bank outside of Namibia
Nigeria	NGN	14:30	T+2
Nicaragua	NIO	13:30	T+2	Clients are unable to hold a bank account in NIO in the UK Each payment must be a minimum of USD 100 equivalent Payments must have a commercial purpose i.e. goods and services Payments of NIO cannot be sent to a beneficiary bank outside of Nicaragua
Norway	NOK	09:35	Same Day
Nepal	NPR	13:30	T+2
New Zealand	NZD	15:00	T+1
Oman	OMR	11:00	T+1
Panama	PAB	13:00	T+4-6	PAB payments are not permitted to a beneficiary bank located outside of Panama Payments cannot be made to beneficiaries holding accounts with Banco Generale
Peru	PEN	13:30	T+2	Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs. Please speak to your Ebury relationship manager for more information Payments must have a commercial purpose i.e. goods and services Payments of PEN cannot be sent to a beneficiary bank outside of Peru Payments for loans, foreign direct and financial investment purposes are not supported Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other assets
Papua New Guinea	PGK	13:30	T+2
Philippines	PHP	15:45	T+2	Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs
Pakistan	PKR	11:00	T+1	For payments, this currency is currently offered as a restricted proposition in that only outward payments with supporting FX are available Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs
Poland	PLN	17:00	T+1	Payments to Social Insurance Institutions ('ZUS') and Tax Authorities require additional information. Please refer to currency guide document
Paraguay	PYG	13:30	T+2
Qatar	QAR	11:00	T+1
Romania	RON	17:00	T+1
Serbia	RSD	12:15	T+1	Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs. Please speak to your Ebury relationship manager for more information Note: Payments to Serbian Government and Serbian Tax Authorities must include the credit reference number provided by the beneficiary. Payments requiring module 97 (poziv na broj) can be made only to accounts starting with "840"
Russia	RUB	12:00	T+1	Currently unavailable due to sanctions
Rwanda	RWF	16:30	T+2	If the beneficiary bank is Bank of Kigali in the Republic of Rwanda, the beneficiary bank account number should be no less than 15 digits. Payment will be rejected if it is less than 15 digits
Saudi Arabia	SAR	11:00	T+1
Solomon Islands	SBD	13:30	T+2	For payments, this currency is currently offered as a restricted proposition in that only outward payments with supporting FX are available Payments must have a commercial purpose i.e. goods and services Payments of SBD cannot be sent to a beneficiary bank outside of the Solomon Islands Payments for loan, foreign direct, and financial investment purposes are not supported. Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other assets
Seychelles	SCR	13:30	T+2	Currently only outward payments with supporting FX are available Payments must have a commercial purpose i.e. goods and services Payments of SCR cannot be sent to a beneficiary bank outside of the Seychelles Payments for loans, foreign direct, and financial investment purposes are not supported. Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other assets
Sweden	SEK	09:35	Same Day
Singapore (GIRO/PAYLINK)	SGD	12:30	T+2	You will see errors with GIRO payments being returned unless the following is adhered to: Account number length requirements (GIRO) / SWIFT code (no xxx to be included): Citibank: 10 digits / CITISGSG; DBS: 9 or 10 digits / DBSSSGSG; HSBC: 12 digits / HSBCSGSG2; OCBC: 10 or 12 digits / OCBCSGSG; Standard Chartered: 10 digits / SCBLSG22; UOB: 10 digits / UOVBSGSG; Maybank: 11 digits / MBBEMYKL
Singapore (WIRE)	SGD	15:00	T+1
Sierra Leone	SLE	14:30	T+4-6	Minimum transaction value USD 25 equivalent SLE payments are not permitted to a beneficiary bank located outside of Sierra Leone
Suriname	SRD	13:30	T+2	Currency cannot be 'sold'. Please ensure you have a confirmed payment requirement before purchasing this currency on the Ebury platform, as cancelling confirmed trades in this currency may incur significant costs. Please speak to your Ebury relationship manager for more information Payments must have a commercial purpose i.e. goods and services Payments of SRD cannot be sent to a beneficiary bank outside of Suriname Payments for loan, foreign direct and financial investment purposes are not supported Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other assets
Sao Tome and Principe	STN	13:00	T+4-6	Minimum transaction value USD 25 equivalent Payments of STN cannot be sent to a beneficiary bank outside of Sao Tome and Principe
The Kingdom of eSwatini (Swaziland)	SZL	15:15	T+2
Thailand	THB	15:00	T+1	For payments greater than THB 5 million, the beneficiary may be requested to provide a copy of the invoice to the beneficiary bank depending on the purpose of payment
Tajikistan	TJS	13:00	T+4-6	For payments to an individual, a copy of the passport and contract of employment must be provided Minimum transaction value USD 25 equivalent Payments of TJS cannot be sent to a beneficiary bank outside of Tajikistan
Tunisia	TND	11:00	T+1
Tonga	TOP	11:45	T+2	Payments must have a commercial purpose i.e. goods and services Payments of TOP cannot be sent to a beneficiary bank outside of Tonga
Turkey	TRY	16:15	T+1	Payments over TRY 10 million requires a purpose of payment. This must be specific, descriptive and meaningful. 'Invoice Number', 'Reference Number' will not suffice
Trinidad and Tobago	TTD	15:15	T+1	If the beneficiary bank is a branch bank with a different address to the SWIFT BIC, the branch name and address is also required
Taiwan	TWD	10:30	T+2	TWD payments are not supported to a beneficiary bank located outside of Taiwan Payments must have a commercial purpose, for example, goods and services and may be sent to corporate and individual beneficiaries Payment amounts must be whole numbers Payments containing TWD amounts with decimal places will always be rounded up to the nearest whole number Payments for loans, foreign direct and financial investment purposes are not supported Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other asset
Tanzania	TZS	14:00	T+2	Payments must have a commercial purpose i.e. goods and services Payments of TZS cannot be sent to a beneficiary bank outside of Tanzania Payments for loans, foreign direct and financial investment purposes are not supported Payments intended for investment should be made via an appropriate onshore custodian responsible for safeguarding and managing client securities or other assets
Uganda	UGX	15:45	T+2
El Salvador	USD	14:20	Same Day
United States of America	USD (Int)	14:20	Same Day	International Payments Settlement times for paying USD to non USA-based beneficiaries may vary
Uruguay	UYU	14:00	T+2	Payments must have a commercial purpose - i.e. goods or services
Uzbekistan	UZS	15:00	T+4-6
Vietnam	VND	09:00	T+2	Special tax requirements apply. Beneficiary full address is mandatory
Vanuatu	VUV	15:15	T+2
Samoa	WST	13:00	T+2
Cameroon	XAF	15:30	T+2
Central African Rep.	XAF	15:30	T+2
Congo	XAF	15:30	T+2
Equatorial Guinea	XAF	15:30	T+2
Gabon	XAF	15:30	T+2
Anguilla	XCD	15:45	T+1
Antigua	XCD	15:45	T+1
Dominica	XCD	15:45	T+1
Grenada	XCD	15:45	T+1
Montserrat	XCD	15:45	T+1
Saint Kitts and Nevis	XCD	15:45	T+1
Saint Lucia	XCD	15:45	T+1
St.Vincent & Grenadines	XCD	15:45	T+1
Benin	XOF	15:30	T+2
Burkina Faso	XOF	15:30	T+2
Cote D'ivoire	XOF	15:30	T+2
Guinea-Bissau	XOF	15:30	T+2
Niger	XOF	15:30	T+2
Senegal	XOF	15:30	T+2
Togo	XOF	15:30	T+2
French Polynesia	XPF	13:00	T+4-6	XPF can only be sent to the following countries: New Caledonia, French Polynesia, Wallis and Futuna Islands Minimum transaction value USD 25 equivalent
New Caledonia	XPF	13:00	T+4-6	XPF can only be sent to the following countries: New Caledonia, French Polynesia, Wallis and Futuna Islands Minimum transaction value USD 25 equivalent
Wallis and Futuna	XPF	13:00	T+4-6	XPF can only be sent to the following countries: New Caledonia, French Polynesia, Wallis and Futuna Islands Minimum transaction value USD 25 equivalent
South Africa	ZAR	17:15	T+1
Zambia	ZMW	15:45	T+2	Minimum transaction value USD 1,000 equivalent

The timings stated in this document represent the expected value/crediting date of funds under normal circumstances, and do not constitute a guarantee of the time taken for funds to credit with your beneficiary. Ebury has produced this document on the basis of information provided by our banking counterparties. We have used reasonable endeavour to check the accuracy, however, this information is subject to change, and Ebury cannot be held liable for discrepancies, or delays in funds crediting due to factors outside of Ebury control (including, but not exclusively: bank-level payment queries, errors in the bank data you have provided, receiving bank processing delays, returned funds due to incorrect account details etc.)

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Please note, the remittance times in this document are based from the point of maturity of your currency trade. i.e. From the point at which Ebury has access to your purchased BUY currency. If your payment involves currency conversion (FX), please double the outlined time to indicate the full quickest turnaround time from booking your trade to your beneficiary receiving funds. E.g. AUD = T+1, therefore the quickest time from booking your trade to receiving funds = 2 working days, if booked, approved and funded prior to cut off. For further information, please contact your relationship manager.

Classification: Public | Information labelling and handling procedure - Version 3.1

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