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Payment Timelines

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 2:00 pm Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day 8:30 am 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 9:00 am 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) 0 Day 4:30 pm Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) 0 Day 4:30 pm Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day 2:00 pm Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day 2:00 pm Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day 2:00 pm Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day 2:00 pm Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) 0 Day 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 2:00 pm 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 2:00 pm Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) 0 Day 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 2:00 pm 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 2:00 pm 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 10:30 am 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 10:30 am Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day 9:00 am Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day 9:30 am Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day 9:00 am 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 2:00 pm 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 9:00 am Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day 3:30 am 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 4:00 am 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) 0 Day 11:30 am Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) 0 Day 11:30 am Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day 9:00 am Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day 9:00 am Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day 9:00 am Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day 9:00 am Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) 0 Day 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 9:00 am 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 9:00 am Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) 0 Day 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 9:00 am 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 9:00 am 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 5:30 am 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 5:30 am Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day 4:00 am Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day 4:30 am Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day 4:00 am 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 9:00 am 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 10:00 pm Payment guide (BHD)
Currency pairs (BHD)
Banner Image Bulgarian Lev (BGN) 0 Day 4:30 pm 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 5:00 pm 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) 0 Day 11:59 pm Payment guide (INR)
Currency pairs (INR)
Banner Image Indonesian Rupiah (IDR) 0 Day 11:59 pm Payment guide (IDR)
Currency pairs (IDR)
Banner Image Israeli Shekel  (ILS) 1 Day 10:00 pm Payment guide (ILS)
Currency pairs (ILS)
Banner Image Japanese Yen  (JPY) 1 Day 10:00 pm Payment guide (JPY)
Currency pairs (JPY)
Banner Image Kenyan Shilling  (KES) 1 Day 10:00 pm Payment guide (KES)
Currency pairs (KES)
Banner Image Kuwait Dinar  (KWD) 1 Day 10:00 pm Payment guide (KWD)
Currency pairs (KWD)
Banner Image Malaysian Ringgit (MYR) 0 Day 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 10:00 pm 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 10:00 pm Payment guide (OMR)
Currency pairs (OMR)
Banner ImagePhilippine Peso(PHP) 0 Day 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 10:00 pm 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 10:00 pm 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 6:30 pm 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 6:30 pm Payment guide (CHF)
Currency pairs (CHF)
Banner Image Thai Baht (THB) 1 Day 5:00 pm Payment guide (THB)
Currency pairs (THB)
Banner Image Turkish Lira (TRY) 0 Day 5:30 pm Payment guide (TRY)
Currency pairs (TRY)
Banner Image Ugandan Shilling (UGX) 1 Day 5:00 pm 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 10:00 pm 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