Christmas and New Year Holiday Payment Cut-Off Times

USD, BMD Payments for value date:

• 24^th December 2025: The Bermuda and U.S. markets and banking system will close early on Christmas Eve, the 24^th Dec`25. The deadline for BMD or USD payments on 24<sup>th</sup> Dec`25 will be11:30 a.m.
  
• 25^th & 26^th December 2025: Christmas & Boxing Day public holidays observed in U.S.(Christmas only) and Bermuda. Banking and payments systems will be closed.
  
• 29^th December 2025: Bermuda & U.S. Markets and Banking System open, regular BMD& USD payment deadlines apply.
  
• 30^th December 2025: Bermuda & U.S. Markets and Banking Systems open, regular BMD& USD payment deadlines apply.
  
• 31^st December 2025: New Year’s Eve, the last working day of 2025. Bermuda & U.S. Markets and Banking Systems open, but early closure will take place. The deadline for BMD & USD payments on Wednesday, 31^st December 2025 will be 11:30 a.m. for all BMD & USD payments.
  
• 1^st January 2026: New Year’s Day public holiday observed. Bermuda & U.S. Banking Systems closed, no BMD or USD payments.
  
• 2^nd January2026: Bermuda and U.S. Markets and Banking Systems open. Regular USD & BMD payments deadlines apply.
  

CAD Payments for value date:

• 24^th December 2025: Canadian markets and banking system open. Payment deadline is 3:00 pm on 23^rd Dec`25.
  
• 25^th & 26^th December 2025: Christmas & Boxing Day public holidays observed in Bermuda & Canada. Canadian banking system closed, no CAD payments.
  
• 29^th December 2025: Canadian Markets and Banking System open. Payment deadline is 11:30 a.m. on 24^th Dec`25.
  
• 30^th December 2025: Canadian Markets and Banking System open. Payment deadline is 3:00 p.m. on 29^th Dec`25.
  
• 31^st December 2025: New Year’s Eve, last working day of 2025. Canadian Markets and Banking System open, but early closure will take place. Payments deadline is 3:00 p.m. on 30^th Dec`25.
  
• 1^st January 2026: New Year’s Day, public holiday observed in Bermuda and Canada. Canadian Markets and banking system closed, no payments.
  
• 2^nd January 2026: Canadian Markets and Banking System open. Payment deadline is 11:30 a.m. on Tuesday, 31^st Dec`25.
  

GBP, EUR,AUD, NZD,CHF, SGD & JPY Payments for value date:

• 24^th December 2025: Payment deadline is 11:00 a.m. on 22^nd Dec`25 for all payments.
  
• 25^th & 26^th December 2025: Christmas & Boxing Day public holidays observed in GBP, AUD, NZD, EUR, & CHF - markets and banking system closed. SGD & JPY Payments are closed on 25^th Dec`25 but are available for the 26<sup>th</sup> Dec`25: payment deadline for SGD & JPY Payments for 26^th Dec`25 is 11:00 a.m. on 23<sup>rd</sup> Dec`25.
  
• 29^th December 2025: Markets and Banking System open for GBP, AUD, NZD, EUR, CHF, SGD & JPY. Payment deadline is 11:00 a.m. on 24^th Dec`25.
  
• 30^th December 2025: Markets and Banking System open for GBP, AUD, NZD, EUR, CHF, SGD & JPY. Payment deadline is 11:00 a.m. on 24^th Dec`25.
  
• 31^st December 2025: Last working day of 2025. Japan will be closed, no JPY payments. Markets and Banking System for GBP, AUD, NZD, EUR, CHF, & SGD are open but will close early. Payment deadline is 11:00 a.m. on 29^th Dec`25.
  
• 1^st January 2026: New Year’s Day public holiday observed. All seven of the above currencies’ banking systems will be closed, no payments.
  
• 2^nd January 2026: Markets and Banking System open. Payment deadline for GBP, EUR, AUD, CHF, & SGD is 11:00 a.m. on 30^th Dec`25.
  
• Please note that New Zealand is closed on the 2^nd Jan`26. Payment deadline for NZD payments for value 5<sup>th</sup> Jan`26 is 11:00 a.m. on 30^th Dec`25.
  
• Please note that Japan is closed on the 2^nd Jan`26. Payment deadline for JPY for value the 5<sup>th</sup> Jan`26 is 11:00 a.m. on 30^th Dec`25.
  

NOK Payments for value date:

• 24^th to 26^th December 2025: Christmas, banking and financial system holiday. Markets and Banking System closed. No payments.
  
• 29^th December 2025: Markets and Banking System open. Payment deadline is 11:00 am on 23^rd Dec`25.
  
• 30^th December 2025: Markets and Banking System open. Payment deadline is 11:00 am on 23^rd Dec`25.
  
• 31^st December 2025: Markets and Banking System open. Payment deadline is 11:00 am on 29^th Dec`25.
  
• 1^st January 2026: New Year’s Day, public holiday. Banking and payments system closed.
  
• 2^nd January 2026: Markets and Banking system open. Payment deadline is 11:30 am on 30^th Dec`25.

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