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Help/Support > Payment information

Payments

Important cut off times and currency holidays

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.

Please note that the cut off times stated below apply to BusinessOnline payments only. Payment cut off times may differ in branches and on telephone banking.

Making payments to UK accounts

Payment Type Payment Network Payment Normally Received BusinessOnline Cut Off
Transfer funds between your Clydesdale or Yorkshire Bank accounts Internal funds transfer Immediately n/a
Transfer funds to another UK Bank Faster Payments Immediately* n/a
Same day transfer CHAPS Same day 17:00
Multi funds transfer BACS - multi funds transfer 3 business days 17:10

*In some cases, it can take longer, but in any case, should arrive no later than the end of the next business day.

Making payments to overseas accounts

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)		 14:00
Euro SEPA Next day Next day 13:00

Earliest Value Date

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).
Spot Value
(2 working days)		 Czech Koruna (CZK), Indian Rupee (INR), Saudi Riyal (SAR), Thai Bhat (THB) & UAE Dirham (AED)

Currency holidays - December 2020

Currency Event date
AED -United Arab Emirates Dirham 25/12/2020
AED - United Arab Emirates Dirham 28/12/2020
AUD - Australian Dollar 25/12/2020
AUD - Australian Dollar 28/12/2020
CAD - Canadian Dollar 25/12/2020
HKD - Hong Kong Dollar 25/12/2020
HKD - Hong Kong Dollar 28/12/2020
JPY - Japanese Yen 25/12/2020
JPY - Japanese Yen 28/12/2020
JPY - Japanese Yen 31/12/2020
USD - United States Dollar 25/12/2020
USD - United States Dollar 28/12/2020

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

Get in touch

Helpdesk

The BusinessOnline helpdesk can be contacted on

Call
0800 121 4209 or (+44) 141 248 4855
(Monday - Friday, 8am - 6pm)
Need more help?

Read our Frequently Asked Questions

Important Information

You are here:  Help/Support  >  Payment information

You can find impartial information and guidance on money matters on the “Money Advice Service” website.

Yorkshire Bank is a trading name 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.

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.