The timing of your instruction determines when your payment is processed. To ensure you never miss a deadline, make sure everyone you authorise to use BusinessOnline is aware of the payment cut off times and currency holiday information shown in the tables below.
|Payment Type||Payment Network||Payment Normally Received||BusinessOnline Cut Off|
|Transfer funds between your Clydesdale or Yorkshire Bank accounts||Internal funds transfer||Same day||n/a|
|Transfer funds to another UK Bank||Faster payments||Same day||n/a|
|Same day transfer||CHAPS||Same day||17:00|
|Multi funds transfer||BACS - multi funds transfer||3 business days||17:10|
|Currency||Payment Network||Payment Normally Received||Earliest Value Date||BusinessOnline Cut Off|
|Great British Pounds||SWIFT||Same day||Same day||15:30|
|Euro||SWIFT||Same day||Same day||13:15|
|US Dollar||SWIFT||Same day||Same day||15:00|
|Other||SWIFT||Variable dependant on currency||Next day / Spot value
(see table below)
|Euro||SEPA||Next day||Next day||13:00|
|Earliest value date||Currencies|
|Next Day||Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Hong Kong Dollar (HKD), Japanese Yen (JPY), New Zealand Dollar (NZD), Norwegian Krone (NOK), Polish Zloty (PLN), Singapore Dollar (SGD), Swedish Krona (SEK), & Swiss Franc (CHF).|
(2 working days)
|Czech Koruna (CZK), Indian Rupee (INR), Saudi Riyal (SAR), Thai Baht (THB) & UAE Dirham (AED)|
|Currency code||Currency||Currency holiday dates|
|JPY||Japanese Yen||1st, 2nd, 3rd & 9th of January|
|CHF||Swiss Franc||1st & 2nd of January|
|NOK||Norwegian Kroner||1st of January|
|DKK||Danish Krone||1st of January|
|EUR||Euro||1st of January|
|PLN||Polish Zloty||1st & 6th of January|
|SEK||Swedish Krona||1st & 6th of January|
|AUD||Australian Dollars||2nd & 26th of January|
|CAD||Canadian Dollars||2nd of January|
|SGD||Singapore Dollars||2nd, 28th & 30th of January|
|THB||Thailand Baht||2nd of January|
|NZD||New Zealand Dollars||2nd, 3rd, 23rd & 30th of January|
|ZAR||South African Rand||2nd of January|
|GBP||Great British Pound||2nd of January|
|USD||United States Dollars||2nd & 16th of January|
|HKD||Hong Kong Dollars||2nd, 28th, 29th, 30th & 31st of January|
Please note: International payments connected to these currencies will be carried forward to the soonest available business date for that currency.
If you require any further information, please contact the BusinessOnline Helpdesk on 0800 121 4209
You can find impartial information and guidance on money matters on the “Money Advice Service” website.
Clydesdale Bank and Yorkshire Bank are trading names of Clydesdale Bank PLC which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority.
Clydesdale Bank and Yorkshire Bank are covered by the Financial Services Compensation Scheme (FSCS), Find out more.
Registered in Scotland (No. SC001111). Registered Office: 30 St. Vincent Place, Glasgow, G1 2HL.