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What are the wire payment cut-off times?
These are the wire payment cut-off times for Canadian-domiciled accounts. Cut-off times for U.S.-domiciled accounts may be different.
Wire payment cut-off times for U.S.-domiciled accounts
Wire payments received after the cut-off times indicated below will be processed the next business day.
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All times are in Eastern Time.
| In-Branch Wire Payment | Cut-off |
|---|---|
| Wire payment initiation/approval - Canadian dollar and U.S. dollar (for same day value) | 4 p.m. |
| Wire payment initiation/approval - all other currencies (for value in two business days) | 4 p.m. |
| Manual Wire Payment Request Submission fax/email | 2 p.m. |
| Online Banking for Business | Cut-off |
| Straight Through Process Wire Payment initiation/approval – Canadian and U.S. dollar (for same day value) | 5:50 p.m. |
| Manual Repair Wire Payment initiation/approval – Canadian and U.S. dollar (for same day value) | 5 p.m. |
| Foreign exchange (FX) Wire payment | Available from Monday 7 a.m. to Friday 5 p.m. |
| Foreign exchange wire payment initiation/approval - U.S. dollar (for same day value) | 5:50 p.m. |
| Foreign exchange wire payment initiation/approval - all other currencies (for value in two business days) | 7 p.m. |
| Comprehensive Payables (ISO20022) | Cut-off |
| Straight Through Process Wire Payment – Canadian and U.S. dollar (for same day value) | 5:50 p.m. |
| Manual Repair Wire Payment – Canadian and U.S. dollar (for same day value) | 5 p.m. |
| Foreign exchange (FX) Wire payment | Available from Monday 7 a.m. to Friday 4:55 p.m. |
| Straight Through Process FX Wire Payment – U.S. dollar (for same day value) | 5:50 p.m. |
| Straight Through Process FX Wire Payment – all other currencies (for value in two business days) | 6 :30 p.m. |
| Manual Repair FX Wire Payment - U.S. dollar (for same day value) or all other currencies (for value in two business days) | 5 p.m. Monday to Thursday 4 p.m. Friday |
| SWIFT messages | Cut-off |
| Straight Through Process Wire Payment – Canadian and U.S. dollar (for same day value) | 5:50 p.m. |
| Manual Repair Wire Payment – Canadian and U.S. dollar (for same day value) | 5 p.m. |
| Bank of Montreal SWIFT address | BOFMCAM2 |
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