Cut-Off Times

The table below shows when various transfers are booked and executed according to the time when they are submitted. The transaction processing times for transfers vary depending on the type of transfer.

Transfer
Transfer funds abroad
Message to the Bank
Security trades

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Transfers

Transfer

Type of transfer	Time of submission	Booking date	Value date
Transfer between own accounts with National Irish Bank	24 hours on banking day	Same banking day (from and to accounts)	Same banking day (from and to accounts)
	Saturdays, Sundays and bank Holidays	Same banking day (from and to accounts)	Same banking day (from and to accounts)
Transfer or payment to other accounts with National Irish Bank	24 hours on banking day	Same banking day (from and to accounts)	Same banking day (from account) Banking day after the submission date (to account)
	Saturdays, Sundays and bank Holidays	Same banking day (from and to accounts)	Same banking day (from account) Banking day after the submission date (to account)
Transfer or payment to account with other banks	Midnight - 15.00	Same banking day (from account) Banking day after the submission date (to account)	Same banking day (from account) Second banking day after the submission date, depending on the payee's bank (to account)
	15.00 - midnight	Banking day after the submission date (from account) Second banking day after the submission date (to account)	Banking day after the submission date (from account) Third banking day after the submission date, depending on the payee's bank (to account)
Transfer between own accounts with National Irish Bank with currency conversion	Midnight - 11.00	Same banking day (from and to accounts). Entry will be booked when the official exchange rate of the currency is known, between 13:45 and 15:30.	Same banking day (from and to accounts)
		Banking day after the submission date (from and to accounts). Entry will be booked when official exchange rate of the currency is known, between 13:45 and 15:30	Banking day after the submission date (from and to accounts)

Transfer funds abroad

Type of transfer	Time of submission	Booking date/Processing date	Available at our correspondent bank
Ordinary transfer	Midnight - 14.30	Same banking day (from account)	Two banking days after the processing date. If our correspondent bank and the payee's bank are not the same, the amount is usually available one banking day later.
	14.30 - midnight	Banking day after the submission date (from account)	Two banking days after the processing date. If our correspondent bank and the payee's bank are not the same, the amount is usually available one banking day later.
Express transfer	Midnight - 14.30	Same banking day (from account)	Amounts in EUR and USD are available at our correspondent bank abroad on the processing date. Amounts in other currencies are available at our correspondent bank abroad one banking day after the processing date. If our correspondent bank and the payee's bank are not the same, the amount is usually available one banking day later.
	14.30 - midnight	Banking day after the submission date (from account)	Amounts in EUR and USD are available at our correspondent bank abroad on the processing date. Amounts in other currencies are available at our correspondent bank abroad one banking day after the processing date. If our correspondent bank and the payee's bank are not the same, the amount is usually available one banking day later.
Cheque	Midnight - 14.30	Same banking day (from account)	The cheque can be sent either to the sender or the payee.
	14.30 - midnight	Banking day after the submission date (from account)	The cheque can be sent either to the sender or the payee.

Message to the Bank

Type	Time of submission	Recipient
All	24 hours	The branch reads and processes the message on the following banking day.

Security trades

Type of trade	Stock exchange/country	Trading hours
Market orders in British securities may be executed in selected bonds and shares on banking days	Dublin	9.00am - 10.00pm (Monday - Friday)
Market orders in foreign securities on the selected markets	London Stock Exchange	9.00am - 10.00pm
	USA	3.30pm - 10.00pm
	Denmark	9.00am - 10.00pm
	Sweden	9.00am - 5.30pm
	Norway	10.00am - 4.00pm
	Finland	9.30am - 8.00pm
	Germany	9.00am - 8.00pm
	Other European exchanges	9.00am - 5.30pm
You can place market orders during the period from 6.00am to midnight. Attempts to execute the transaction are made in the period from 9.00am to 10.00pm, depending on the trading hours.

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