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 |
Wire payment initiation/approval - U.S. dollar (for same day value) | 5 p.m. |
Wire payment initiation/approval - Canadian dollar (for same day value) | 5 p.m. |
Foreign exchange 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 p.m. |
Foreign exchange wire payment initiation/approval - all other currencies (for value in two business days) | 7 p.m. |
Electronic Data Interchange (EDI) | Cut-off |
File submission | 4:15 p.m. |
SWIFT messages | Cut-off |
Straight Through Process Wire Payment – Canadian and U.S. dollar (for same day value) | 5 p.m. |
Manual Repair Wire Payment – Canadian and U.S. dollar (for same day value) | 4 p.m. |
Bank of Montreal SWIFT address | BOFMCAM2 |
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