Our foreign exchange (FX) schedules tell you everything you need to know to make your conversion on time. As long as you create your conversion before the given cutoff time, the conversions will settle on the same day.
When using the table below, the cutoff time of the currency with the higher rank applies. For example, if you want to buy Australian Dollars (AUD) with UK Sterling (GBP). Australian Dollars (AUD) has a cutoff time of 13:00, while UK Sterling (GBP) has a cutoff time of 14:20. Since AUD has a higher rank in this table, the cutoff for converting on the same day will be 13:00. If you miss the cutoff time, the conversion will settle on the next business day.
Our trading time begins on Sunday 17:02 ET and closes Friday 17:00 ET*. In addition, we have a 90 second daily downtime from 17:00 ET.
| Rank | Currency (ISO) | Cutoff time (UK Time) | Cutoff time (Eastern Time NYC) |
|---|---|---|---|
| 1 |  Chinese Yuan (CNY) |
08:00 | 03:00 |
| 2 |  Thai Baht (THB) |
08:00 | 03:00 |
| 3 |  Ugandan Shilling (UGX) |
08:00 | 03:00 |
| 4 |  Australian Dollar (AUD) |
13:00 | 08:00 |
| 5 |  Bahrain Dinar (BHD) |
13:00 | 08:00 |
| 6 |  Hong Kong Dollar (HKD) |
13:00 | 08:00 |
| 7 |  Israeli Shekel (ILS) |
13:00 | 08:00 |
| 8 |  Japanese Yen (JPY) |
13:00 | 08:00 |
| 9 |  Kenyan Shilling (KES) |
13:00 | 08:00 |
| 10 |  Kuwait Dinar (KWD) |
13:00 | 08:00 |
| 11 |  New Zealand Dollar (NZD) |
13:00 | 08:00 |
| 12 |  Omani Rial (OMR) |
13:00 | 08:00 |
| 13 |  Qatar Rial (QAR) |
13:00 | 08:00 |
| 14 |  Saudi Riyal (SAR) |
13:00 | 08:00 |
| 15 |  Singapore Dollar (SGD) |
13:00 | 08:00 |
| 16 |  United Arab Emirates Dirham (AED) |
13:00 | 08:00 |
| 17 |  Croatian Kuna (HRK) |
15:00 | 10:00 |
| 18 |  Bulgarian Lev (BGN) |
15:30 | 10.30 |
| 19 |  Indian Rupee (INR)** |
16:30 | 11.30 |
| 20 |  Indonesian Rupiah (IDR)** |
16:30 | 11.30 |
| 21 |  Malaysian Ringgit (MYR)** |
16:30 | 11.30 |
| 22 |  Philippine Peso (PHP)** |
16:30 | 11.30 |
| 23 |  Czech Koruna (CZK) |
08:00 | 03:00 |
| 24 |  Hungarian Forint (HUF) |
08:00 | 03:00 |
| 25 |  Mexican Peso (MXN) |
08:00 | 03:00 |
| 26 |  Romanian Leu (RON) |
08:00 | 03:00 |
| 27 |  Russian Ruble (RUB)*** |
08:00 | 03:00 |
| 28 |  Polish Zloty (PLN) |
08:30 | 03:30 |
| 29 |  Turkish Lira (TRY) |
08:30 | 03:30 |
| 30 |  Danish Krone (DKK) |
09:30 | 04:30 |
| 31 |  Norwegian Krone (NOK) |
09:30 | 04:30 |
| 32 |  South African Rand (ZAR) |
09:30 | 04:30 |
| 33 |  Swedish Krona (SEK) |
09:30 | 04:30 |
| 34 |  Swiss franc (CHF) |
09:30 | 04:30 |
| 35 |  Canadian Dollar (CAD) |
13:00 | 08:00 |
| 36 |  Euro (EUR) |
13:50 | 08:50 |
| 37 |  UK Sterling (GBP) |
14:20 | 09:20 |
| 38 |  US Dollar (USD) |
15:50 | 10:50 |
Exceptions: Some conversions do not conform to the above cutoff times. These exceptions are detailed below:
| Selling | Buying | Clients | Cutoff time (UK Time) | Cutoff time (Eastern Time) |
|---|---|---|---|---|
| UK Sterling (GBP) |
US Dollar (USD) |
All Clients | 15:30 | 10.30 |
| Euro (EUR) |
US Dollar (USD) |
Currencycloud BV Clients | 14:00 | 09:00 |
| Euro (EUR) |
US Dollar (USD) |
Currencycloud Ltd Clients | 15:30 | 10.30 |
Notes:
* Rates for restricted currencies (marked with **) are available on the weekend for Monday settlement.
** Indian Rupee (INR), Indonesian Rupiah, Malaysian Ringgit and Philippine Peso are restricted currencies. Currencycloud supports these currencies as buy only currencies, to make payments directly in the country. You cannot fund these currencies directly. They can only be bought by converting another supported currency and sold back only in exceptional scenarios. Find out more in our FAQ. Cutoff times vary by the Sell currency. Check each payment guide for details.
*** Currencycloud supports RUB as a sell currency only. You can not convert any other currency into RUB for payments.
Additional resources
These associated resources are available:
- Currency pairs: available currency pairs, for example GBP to USD
- Payment guides: guidance on how to make a payment in the associated currency
- Public holidays: find out how holidays affect FX timelines
- Money Moving Calculator: our interactive tool will tell you when your conversion will settle