How quickly can I send money online?

There are several payment options available online, some of which will allow you to send money in one working day. You will need to have a payee either:

  • added and authenticated using the Bank of Ireland App; or
  • added and activated by security code on 365 online, Mobile Banking app (ROI only), or Tablet Banking app.

Own account transfers allow you to move money between your own (current and demand deposit) accounts immediately and do not require a payee.

Send money in one working day

SEPA payee (EUR) - Send Money within the Republic of Ireland or Eurozone

From Monday to Friday, you can send money to reach the payee’s bank in one working day using a SEPA payee (EUR) when:

  • You make the transfer before 3.30pm in the Republic of Ireland or before 4.30pm in Northern Ireland and Great Britain.
  • It is not a bank holiday and we are open for business.
  • The payment is covered by the Payment Services Regulations (PSR).

UK Domestic Payee (GBP) - Send Money within Northern Ireland and Great Britain

From Monday to Friday, you can send money to reach the payee’s bank on the same working day using UK Domestic Payee (GBP) when:

  • You make the transfer before 4.30pm in Northern Ireland and Great Britain.
  • It is not a bank holiday and we are open for business.

International Payees

From Monday to Friday, you can send money to reach the payee’s bank in one working day for certain countries/currencies when:

A working day is the next day we are open for business other than a Saturday, Sunday or bank holiday. The money will leave your account the same day and begin processing.

When will it take more than one working day?

It will take more than one working day to reach your payee’s bank when:

  • You make a payment online after 3.30pm in the Republic of Ireland or after 4.30pm in Northern Ireland and Great Britain on a working day. Your payment will begin to process on the next working day
  • You make a payment online on Saturday, Sunday or a bank holiday. Your payment will begin to process on the next working day
  • The payment processing time for the country/currency, is more than one working day. (+1)
Last updated: May 15, 2020

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