Payment Processing Times & Cut-Offs

Timing your payments correctly ensures they’re processed smoothly and received on time. This guide outlines the cut-off times and settlement durations for different currencies when sending payments via Curve.


Note: FX timelines may impact overall payment delivery. The times listed here reflect payment cut-offs only and do not account for foreign exchange processing windows.


Understanding Timezones

Curve displays all payment and FX cut-off times in UTC (Coordinated Universal Time), which aligns with GMT (Greenwich Mean Time).

To simplify seasonally adjusted cut-offs, our payment guides refer to UK local time:

  • In winter, the UK operates on GMT, so platform times and guides will match.
  • In summer, the UK moves to BST (GMT+1). During this time, the platform will continue to show UTC, which will be 1 hour behind UK local time.

Payment guides always reflect the correct UK local time—regardless of seasonal changes.


Payment Timelines by Currency

Currency (ISO) Swift (Priority) Local (Regular) Swift Cut-Off Local Cut-Off
AUD - Australian Dollar 1 day 1 day 2:00pm 1:30pm
BHD - Bahraini Dinar 1 day 2:00pm
CAD - Canadian Dollar Same day Same day 4:45pm 4:00pm
CNH - Chinese Yuan 1 day 9:00am
CZK - Czech Koruna Same day Same day 9:00am 9:00am
DKK - Danish Krone Same day Same day 10:30am 8:50am
EUR - Euro Same day Same day 2:30pm

European: SEPA Instant – 6:00pm, SEPA Credit – 2:00pm

RoW: SEPA Instant – 24/7, SEPA Credit – 2:00pm

HKD - Hong Kong Dollar 1 day 1 day 2:00pm 2:00pm
HUF - Hungarian Forint Same day Same day 9:00am 9:00am
INR - Indian Rupee Same day 4:30pm
IDR - Indonesian Rupiah Same day 4:30pm
ILS - Israeli Shekel 1 day 2:00pm
JPY - Japanese Yen 1 day 2:00pm
KES - Kenyan Shilling 1 day 2:00pm
KWD - Kuwaiti Dinar 1 day 2:00pm
MYR - Malaysian Ringgit Same day 4:30pm
MXN - Mexican Peso Same day 9:00am
NZD - New Zealand Dollar 1 day 2:00pm
NOK - Norwegian Krone Same day Same day 10:30am 10:30am
OMR - Omani Rial 1 day 2:00pm
PHP - Philippine Peso Same day 4:30pm
PLN - Polish Zloty Same day Same day 9:30am 9:30am
QAR - Qatari Riyal 1 day 2:00pm
RON - Romanian Leu Same day Same day 9:00am 9:00am
SAR - Saudi Riyal 1 day 2:00pm
SGD - Singapore Dollar 1 day Same day 2:00pm 24-hour weekday availability
ZAR - South African Rand Same day 10:30am
SEK - Swedish Krona Same day Same day 10:30am 10:30am
CHF - Swiss Franc Same day Same day 10:30am 10:00am
THB - Thai Baht 1 day 9:00am
TRY - Turkish Lira Same day Same day 9:30am 24-hour weekday availability
UGX - Ugandan Shilling 1 day 9:00am
GBP - UK Sterling Same day Same day

European: 4:15pm, 24/7 availability

RoW: 5:00pm, 24/7 availability

AED - UAE Dirham 1 day 2:00pm
USD - US Dollar Same day Same day 4:30pm 8:45pm
USD (North America OKYC clients) Same day Same day 10:45am 10:45am

Need more details on a specific currency or payment type? Then reach out to [email protected].

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