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 | 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.
| 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 | 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 code | Currency | Currency holiday dates |
|---|---|---|
| TBH | Thailand Bhat | 5th December |
| TBH | Thailand Bhat | 10th December |
| ZAR | South African Rand | 17th December |
| CZK | Czech Koruna | 24th December |
| DKK | Danish Krone | 24th December |
| JPY | Japanese Yen | 24th December |
| NOK | Norwegian Kroner | 24th December |
| SEK | Swedish Krona | 24th December |
| AUD | Australian Dollars | 25th December |
| CAD | Canadian Dollars | 25th December |
| CZK | Czech Koruna | 25th December |
| DKK | Danish Krone | 25th December |
| EUR | Euro | 25th December |
| GBP | Great British Pound | 25th December |
| HKD | Hong Kong Dollars | 25th December |
| NOK | Norwegian Kroner | 25th December |
| NZD | New Zealand Dollars | 25th December |
| PLN | Polish Zloty | 25th December |
| SEK | Swedish Krona | 25th December |
| SGD | Singapore Dollars | 25th December |
| USD | United States Dollars | 25th December |
| ZAR | South African Rand | 25th December |
| AUD | Australian Dollars | 26th December |
| CAD | Canadian Dollars | 26th December |
| CZK | Czech Koruna | 26th December |
| DKK | Danish Krone | 26th December |
| EUR | Euro | 26th December |
| GBP | Great British Pound | 26th December |
| HKD | Hong Kong Dollars | 26th December |
| NOK | Norwegian Kroner | 26th December |
| NZD | New Zealand Dollars | 26th December |
| PLN | Polish Zloty | 26th December |
| SEK | Swedish Krona | 26th December |
| ZAR | South African Rand | 26th December |
| DKK | Danish Krone | 31st December |
| JPY | Japanese Yen | 31st December |
| SEK | Swedish Krona | 31st December |
| THB | Thailand Bhat | 31st December |
|
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 |
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The BusinessOnline helpdesk can be contacted on
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.
