Payment calendar 2026 and 2027
Enter the day and time you send a SEPA, ACH, Fedwire or UK payment, and the calculator gives the business day it settles and the reason for any wait. It uses the closing days and cut-offs the ECB, the Federal Reserve, the Bank of England and GOV.UK publish for 2026 and 2027.
When will it arrive?
Pick the payment, then the day and time you send it. The calculator applies that system's closing days and cut-off, and gives the business day the payment settles, with every day it waits through and why.
Your bank can stop taking payments before the system does. If you know its cut-off, add it and the calculator counts from there.
It all runs in your browser; nothing you enter is sent anywhere.
Holyheld Business sends and receives ACH, SEPA, wires and Faster Payments. The pricing page lists the fees, and the off-ramp converts supported stablecoins to fiat for company payments.
Result
Arrives by Monday 21 December 2026 at the latest
Taken on Friday 18 December, a standard SEPA transfer must reach the recipient's bank by the next TARGET business day.
Sent Friday 18 December 2026 at 17:00 CET
Why this day
- Saturday 19 December: weekend
- Sunday 20 December: weekend
These are the system's own times. Your bank can stop taking payments earlier; add its cut-off to count from it.
Hours and closing days at a glance
Instant payments run every day. Everything else settles on its own system's business days, up to a cut-off in that system's time zone.
Each calendar below lists the year's closing days, the hours and the cut-offs, with the official source for every one.
| Payment | Runs on | Cut-off |
|---|---|---|
| SEPA credit transfer (EUR) | TARGET business days | Set by your bank Source: European Central Bank |
| SEPA Instant (EUR) | Every day of the year | None Source: European Central Bank |
| Urgent euro payment in T2 (EUR) | TARGET business days | 17:00 CET/CEST Source: European Central Bank |
| Same Day ACH (USD) | Federal Reserve business days | 4:45 p.m. ET, the last same-day window Source: Federal Reserve Financial Services |
| ACH, next day (USD) | Federal Reserve business days | 2:15 a.m. ET for 8:30 a.m. ET settlement that morning Source: Federal Reserve Financial Services |
| Fedwire wire transfer (USD) | Federal Reserve business days | 6:45 p.m. ET Source: Federal Reserve Financial Services |
| Faster Payments (GBP) | Every day of the year | None Source: Pay.UK |
| CHAPS (GBP) | Working days in England and Wales | 17:40 UK time Source: Bank of England |
| Bacs Direct Credit (GBP) | Working days in England and Wales | 22:30 UK time on input day Source: Bacs |
Payment calendars
Questions about payment timing
SEPA Instant in euros and Faster Payments in pounds run every day of the year. Standard SEPA transfers, T2, ACH, Fedwire, CHAPS and Bacs settle on business days only, so a payment sent at the weekend moves on its system's next business day.
Good Friday and Easter Monday are TARGET closing days and bank holidays in England and Wales, but not Federal Reserve holidays. In 2026 they fall on 3 and 6 April, in 2027 on 26 and 29 March.
It is the last moment a payment system, or your bank, takes a payment for that business day. A payment sent after it settles on the next business day. Banks can set their own cut-offs earlier than the system's.
Yes. The ECB, the Federal Reserve and GOV.UK have all published their 2027 dates, and this calendar uses them as published. FedACH has not yet published the exact hours it stops and restarts processing around the 2027 holidays.
Sources
Every date and time on this page comes from these official pages, as published on 27 October 2026.
- European Central Bank: ECB public holidays (TARGET closing days are marked)
- European Central Bank: What is T2? (T2 opening hours)
- European Central Bank: TARGET Systems operating schedule – euro
- European Central Bank: What are instant payments?
- European Central Bank: Benefits of SEPA Instant Credit Transfer (SCT Inst)
- Deutsche Bundesbank: Procedural rules for SEPA credit transfers via the RPS SEPA-Clearer, 2026
- Federal Reserve Financial Services: Holiday Schedules
- Board of Governors of the Federal Reserve System: K.8 – Holidays Observed by the Federal Reserve System 2026-2030
- Federal Reserve Financial Services: Fedwire Funds Service and National Settlement Service Operating Hours
- Federal Reserve Financial Services: Federal Reserve announces intent to expand operating days for Fedwire Funds Service and National Settlement Service
- Federal Reserve Financial Services: FedACH Processing Schedule
- Federal Reserve Financial Services: FedACH SameDay Service
- GOV.UK: UK bank holidays
- Bank of England: CHAPS
- Bank of England: Summary of RTGS daily timetable
- Bank of England: Extending RTGS and CHAPS settlement hours: next steps towards near 24x7 settlement
- Pay.UK: Faster Payment System
- Bacs: Bacs Direct Credit: an introduction to the service
- Bacs: Glossary (Bacs cycle, input deadline, working days)