Payment Timelines

Timing is everything. Our payment schedules tell you everything you need to know to make your payment on time.
Please note that the times given below do not take fx timelines into consideration.

Currency (ISO) Priority
(SWIFT)
Regular
(Local)
Cut off times
Priority (GMT)
Regular (GMT) Guides
Banner ImageAustralian Dollar (AUD) 1 Day 2 Day 2:00 pm 1:30 pm Payment guide (AUD)
Currency pairs (AUD)
Banner Image Bahrain Dinar (BHD) 1 Day Banner Image 2:00 pm Banner Image Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day Banner Image 8:30 am Banner Image Payment guide (BGN)
Currency pairs (BGN)
Banner Image Canadian Dollar (CAD) 0 Day 0 Day 2:00 pm 4:00 pm Payment guide (CAD)
Currency pairs (CAD)
Banner Image Chinese Yuan (CNY) 1 Day Banner Image 9:00 am Banner Image Payment guide (CNY)
Currency pairs (CNY)
Banner Image Croatian Kuna (HRK) 0 Day 0 Day 8:30 am 8:30 am Payment guide (HRK)
Currency pairs (HRK)
Banner Image Czech Koruna (CZK) 0 Day 0 Day 9:00 am 9:00 am Payment guide (CZK)
Currency pairs (CZK)
Banner Image Danish Krone (DKK) 0 Day 0 Day 10:30 am 8:30 am Payment guide (DKK)
Currency pairs (DKK)
Banner Image Euro  (EUR) 0 Day 0 Day 2:30 pm 2:00 pm Payment guide (EUR)
Currency pairs (EUR)
Banner Image HongKong Dollar  (HKD) 1 Day 1 Day 2:00 pm 2:00 pm Payment guide (HKD)
Currency pairs (HKD)
Banner Image Hungarian Forint  (HUF) 0 Day 0 Day 9:00 am 8:30 am Payment guide (HUF)
Currency pairs (HUF)
Banner Image Indian Rupee (INR) Banner Image 0 Day Banner Image 4:30 pm Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) Banner Image 0 Day Banner Image 4:30 pm Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day Banner Image 2:00 pm Banner Image Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day Banner Image 2:00 pm Banner Image Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day Banner Image 2:00 pm Banner Image Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day Banner Image 2:00 pm Banner Image Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) Banner Image 0 Day Banner Image 4:30 pm Payment guide (MYR)
Currency pairs (MYR)
Banner Image Mexican Peso  (MXN) 0 Day 1 Day 9:00 am 8:30 am Payment guide (MXN)
Currency pairs (MXN)
Banner Image New Zealand Dollar  (NZD) 1 Day Banner Image 2:00 pm Banner Image Payment guide (NZD)
Currency pairs (NZD)
Banner Image Norwegian Krone  (NOK) 0 Day 0 Day 10:30 am 10:30 am Payment guide (NOK)
Currency pairs (NOK)
Banner Image Omani Rial  (OMR) 1 Day Banner Image 2:00 pm Banner Image Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) Banner Image 0 Day Banner Image 4:30 pm Payment guide (PHP)
Currency pairs (PHP)
Banner Image Polish Zloty  (PLN) 0 Day 0 Day 9:30 am 9:30 am Payment guide (PLN)
Currency pairs (PLN)
Banner Image Qatar Rial  (QAR) 1 Day Banner Image 2:00 pm Banner Image Payment guide (QAR)
Currency pairs (QAR)
Banner Image Romanian Leu  (RON) 0 Day 0 Day 9:00 am 9:00 am Payment guide (RON)
Currency pairs (RON)
Banner Image Saudi Riyal  (SAR) 1 Day Banner Image 2:00 pm Banner Image Payment guide (SAR)
Currency pairs (SAR)
Banner Image Singapore Dollar  (SGD) 1 Day 1 Day 2:00 pm 2:00 pm Payment guide (SGD)
Currency pairs (SGD)
Banner Image South African Rand  (ZAR) 0 Day Banner Image 10:30 am Banner Image Payment guide (ZAR)
Currency pairs (ZAR)
Banner Image Swedish Krona  (SEK) 0 Day 0 Day 10:30 am 10:30 am Payment guide (SEK)
Currency pairs (SEK)
Banner Image Swiss franc  (CHF) 0 Day Banner Image 10:30 am Banner Image Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day Banner Image 9:00 am Banner Image Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day Banner Image 9:30 am Banner Image Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day Banner Image 9:00 am Banner Image Payment guide (UGX)
Currency pairs (UGX)
Banner Image UK Sterling (GBP) 0 Day 0 Day 4:30 pm 3:30 pm Payment guide (GBP)
Currency pairs (GBP)
Banner Image United Arab Emirates Dirham (AED) 1 Day Banner Image 2:00 pm Banner Image Payment guide (AED)
Currency pairs (AED)
Banner Image US Dollar (USD) 0 Day 0 Day 4:30 pm 5:10 pm Payment guide (USD)
Currency pairs (USD)

Payment Timelines in US Time (EST)

Currency (ISO) Priority
(SWIFT)
Regular
(Local)
Cut off times
Priority (EST)
Regular (EST) Guides
Banner ImageAustralian Dollar (AUD) 1 Day 2 Day 9:00 am 8:30 am Payment guide (AUD)
Currency pairs (AUD)
Banner Image Bahrain Dinar (BHD) 1 Day Banner Image 9:00 am Banner Image Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day Banner Image 3:30 am Banner Image Payment guide (BGN)
Currency pairs (BGN)
Banner Image Canadian Dollar (CAD) 0 Day 0 Day 9:00 am 11:00 am Payment guide (CAD)
Currency pairs (CAD)
Banner Image Chinese Yuan (CNY) 1 Day Banner Image 4:00 am Banner Image Payment guide (CNY)
Currency pairs (CNY)
Banner Image Croatian Kuna (HRK) 0 Day 0 Day 3:30 am 3:30 am Payment guide (HRK)
Currency pairs (HRK)
Banner Image Czech Koruna (CZK) 0 Day 0 Day 4:00 am 4:00 am Payment guide (CZK)
Currency pairs (CZK)
Banner Image Danish Krone (DKK) 0 Day 0 Day 5:30 am 3:30 am Payment guide (DKK)
Currency pairs (DKK)
Banner Image Euro  (EUR) 0 Day 0 Day 9:30 am 9:00 am Payment guide (EUR)
Currency pairs (EUR)
Banner Image HongKong Dollar  (HKD) 1 Day 1 Day 9:00 am 9:00 am Payment guide (HKD)
Currency pairs (HKD)
Banner Image Hungarian Forint  (HUF) 0 Day 0 Day 4:00 am 4:00 am Payment guide (HUF)
Currency pairs (HUF)
Banner Image Indian Rupee (INR) Banner Image 0 Day Banner Image 11:30 am Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) Banner Image 0 Day Banner Image 11:30 am Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day Banner Image 9:00 am Banner Image Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day Banner Image 9:00 am Banner Image Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day Banner Image 9:00 am Banner Image Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day Banner Image 9:00 am Banner Image Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) Banner Image 0 Day Banner Image 11:30 am Payment guide (MYR)
Currency pairs (MYR)
Banner Image Mexican Peso  (MXN) 0 Day 1 Day 4:00 am 3:30 am Payment guide (MXN)
Currency pairs (MXN)
Banner Image New Zealand Dollar  (NZD) 1 Day Banner Image 9:00 am Banner Image Payment guide (NZD)
Currency pairs (NZD)
Banner Image Norwegian Krone  (NOK) 0 Day 0 Day 5:30 am 5:30 am Payment guide (NOK)
Currency pairs (NOK)
Banner Image Omani Rial  (OMR) 1 Day Banner Image 9:00 am Banner Image Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) Banner Image 0 Day Banner Image 11:30 am Payment guide (PHP)
Currency pairs (PHP)
Banner Image Polish Zloty  (PLN) 0 Day 0 Day 4:30 am 4:30 am Payment guide (PLN)
Currency pairs (PLN)
Banner Image Qatar Rial  (QAR) 1 Day Banner Image 9:00 am Banner Image Payment guide (QAR)
Currency pairs (QAR)
Banner Image Romanian Leu  (RON) 0 Day 0 Day 4:00 am 4:00 am Payment guide (RON)
Currency pairs (RON)
Banner Image Saudi Riyal  (SAR) 1 Day Banner Image 9:00 am Banner Image Payment guide (SAR)
Currency pairs (SAR)
Banner Image Singapore Dollar  (SGD) 1 Day 1 Day 9:00 am 9:00 am Payment guide (SGD)
Currency pairs (SGD)
Banner Image South African Rand  (ZAR) 0 Day Banner Image 5:30 am Banner Image Payment guide (ZAR)
Currency pairs (ZAR)
Banner Image Swedish Krona  (SEK) 0 Day 0 Day 5:30 am 5:30 am Payment guide (SEK)
Currency pairs (SEK)
Banner Image Swiss franc  (CHF) 0 Day Banner Image 5:30 am Banner Image Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day Banner Image 4:00 am Banner Image Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day Banner Image 4:30 am Banner Image Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day Banner Image 4:00 am Banner Image Payment guide (UGX)
Currency pairs (UGX)
Banner Image UK Sterling (GBP) 0 Day 0 Day 11:30 am 10:30 am Payment guide (GBP)
Currency pairs (GBP)
Banner Image United Arab Emirates Dirham (AED) 1 Day Banner Image 9:00 am Banner Image Payment guide (AED)
Currency pairs (AED)
Banner Image US Dollar (USD) 0 Day 0 Day 11:30 am 12:10 pm Payment guide (USD)
Currency pairs (USD)

Payment Timelines in Singapore Time (SGT)

Currency (ISO) Priority
(SWIFT)
Regular
(Local)
Cut off times
Priority (SGT)
Regular (SGT) Guides
Banner ImageAustralian Dollar (AUD) 1 Day 2 Day 10:00 pm 9:30 pm Payment guide (AUD)
Currency pairs (AUD)
Banner Image Bahrain Dinar (BHD) 1 Day Banner Image 10:00 pm Banner Image Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day Banner Image 4:30 pm Banner Image Payment guide (BGN)
Currency pairs (BGN)
Banner Image Canadian Dollar (CAD) 0 Day 0 Day 10:00 pm 11:59 pm Payment guide (CAD)
Currency pairs (CAD)
Banner Image Chinese Yuan (CNY) 1 Day Banner Image 5:00 pm Banner Image Payment guide (CNY)
Currency pairs (CNY)
Banner Image Croatian Kuna (HRK) 0 Day 0 Day 4:30 pm 4:30 pm Payment guide (HRK)
Currency pairs (HRK)
Banner Image Czech Koruna (CZK) 0 Day 0 Day 5:00 pm 5:00 pm Payment guide (CZK)
Currency pairs (CZK)
Banner Image Danish Krone (DKK) 0 Day 0 Day 6:30 pm 4:30 pm Payment guide (DKK)
Currency pairs (DKK)
Banner Image Euro  (EUR) 0 Day 0 Day 10:30 pm 10:00 pm Payment guide (EUR)
Currency pairs (EUR)
Banner Image HongKong Dollar  (HKD) 1 Day 1 Day 10:00 pm 10:00 pm Payment guide (HKD)
Currency pairs (HKD)
Banner Image Hungarian Forint  (HUF) 0 Day 0 Day 5:00 pm 4:30 pm Payment guide (HUF)
Currency pairs (HUF)
Banner Image Indian Rupee (INR) Banner Image 0 Day Banner Image 11:59 pm Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) Banner Image 0 Day Banner Image 11:59 pm Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day Banner Image 10:00 pm Banner Image Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day Banner Image 10:00 pm Banner Image Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day Banner Image 10:00 pm Banner Image Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day Banner Image 10:00 pm Banner Image Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) Banner Image 0 Day Banner Image 11:59 pm Payment guide (MYR)
Currency pairs (MYR)
Banner Image Mexican Peso  (MXN) 0 Day 1 Day 5:00 pm 4:30 pm Payment guide (MXN)
Currency pairs (MXN)
Banner Image New Zealand Dollar  (NZD) 1 Day Banner Image 10:00 pm Banner Image Payment guide (NZD)
Currency pairs (NZD)
Banner Image Norwegian Krone  (NOK) 0 Day 0 Day 6:30 pm 6:30 pm Payment guide (NOK)
Currency pairs (NOK)
Banner Image Omani Rial  (OMR) 1 Day Banner Image 10:00 pm Banner Image Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) Banner Image 0 Day Banner Image 11:59 pm Payment guide (PHP)
Currency pairs (PHP)
Banner Image Polish Zloty  (PLN) 0 Day 0 Day 5:30 pm 5:30 pm Payment guide (PLN)
Currency pairs (PLN)
Banner Image Qatar Rial  (QAR) 1 Day Banner Image 10:00 pm Banner Image Payment guide (QAR)
Currency pairs (QAR)
Banner Image Romanian Leu  (RON) 0 Day 0 Day 5:00 pm 5:00 pm Payment guide (RON)
Currency pairs (RON)
Banner Image Saudi Riyal  (SAR) 1 Day Banner Image 10:00 pm Banner Image Payment guide (SAR)
Currency pairs (SAR)
Banner Image Singapore Dollar  (SGD) 1 Day 1 Day 10:00 pm 10:00 pm Payment guide (SGD)
Currency pairs (SGD)
Banner Image South African Rand  (ZAR) 0 Day Banner Image 6:30 pm Banner Image Payment guide (ZAR)
Currency pairs (ZAR)
Banner Image Swedish Krona  (SEK) 0 Day 0 Day 6:30 pm 5:30 am Payment guide (SEK)
Currency pairs (SEK)
Banner Image Swiss franc  (CHF) 0 Day Banner Image 6:30 pm Banner Image Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day Banner Image 5:00 pm Banner Image Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day Banner Image 5:30 pm Banner Image Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day Banner Image 5:00 pm Banner Image Payment guide (UGX)
Currency pairs (UGX)
Banner Image UK Sterling (GBP) 0 Day 0 Day 11:59 pm 11:30 pm Payment guide (GBP)
Currency pairs (GBP)
Banner Image United Arab Emirates Dirham (AED) 1 Day Banner Image 10:00 pm Banner Image Payment guide (AED)
Currency pairs (AED)
Banner Image US Dollar (USD) 0 Day 0 Day 11:59 pm 11:59 pm Payment guide (USD)
Currency pairs (USD)

Financial Terminology

0 Days = T+0 (TOD, or same day)

1 Days = T+1 (TOM, or next day)

2 Days = T+2 (Spot)

3 Days = T+3 (Spot + 1)

Priority (SWIFT) = The duration it takes to make a payment via SWIFT.
Regular (Local) = The duration it takes to make a local payment in the same country.
Cut off times = These are the times funds must be received and cleared by Excel Currencies in order to honor your instruction.
Guides = These are associated resources available on Excel Currencies:
Currency pairs:currencies available pairs, e.g. GBP to USD
Payment guides: guidance on how to make a payment in the associated currency
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Governing Bodies and Registrations

Excel Currencies are a fully Authorised Payment Institution with the UK Financial Conduct Authority. ( Ref: 911228) and HM Revenue & Customs (MSB No: 12190705) as a Money Services Business. Excel Currencies ltd are also members of the UK Money Transfers Association (MTA) and the Association of International Property Professionals (AIPP).

Security of Funds

Excel Currencies ltd operate a Safeguarding Client Account System which protects all funds in these accounts against any liabilities that Excel Currencies ltd may have.

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