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When Does My Money Go into My UK Bank Account?

Updated on October 18, 2016

Joined: 10 years agoFollowers: 2,829Articles: 351

Money in the Bank: How to Get It Out!

We have all been there: the day before payday and not a penny in our pocket. We know our wages will come tomorrow, but if we could just get our hands on a couple of pounds right now, it would make our last hours of poverty so much easier.

Banks like money, and nine times out of ten they will hold out as long as they can before letting you get your hands on yours. As you know, your wages are paid into your account about a week before payday with instructions from your employer not to actually release the cash before the due date. So why can't banks for once allow us to withdraw a little beforehand? They do know that we are good for it, after all.

I live in the UK and recently changed banks for a better deal and soon realised that I'd made a mistake because at my old bank, my wages would appear in my account at the stroke of midnight. However, with my new account, I have to wait until 2:30 a.m. for my money to be made available. I decided to find out more about this, so this article is a result of my research.

Banks process their accounts at different times during the night, and depending on who you bank with, you can get a hold of your money sooner or later than others.

Scroll down to find out when your bank will make your money available to you.

When Does My Bank Pay Out?

What time of night can you withdraw your money?
What time of night can you withdraw your money? | Source

What Time Does Your Money Go into Your Bank Account?

Nat West, Barlay's, Clydesdale, Bank of Scotland, Bank of England, and Santander, to name but a few, are some of the biggest banks in the UK, but when do they update your account and release your funds for withdrawal?

Some banks are actually pretty good and allow you to withdraw your money before midnight by depositing money into your account around 11:30 p.m. Other banks will release your funds at midnight or just a few minutes afterwards. Some banks (like mine) make you wait until between 2:00 and 3:00 a.m. and others will not let you touch your money until at least 6:00 a.m. on payday.

For example, the Clydsedale bank in Scotland releases your funds at 11:30 p.m. the night before payday while the Hong Kong and Shanghai Banking Corporation (HSBC) waits until 6:00 a.m. to release your money.

When UK Banks Make Deposits Available

11:30 p.m.-12:30 a.m. (day before)
1:00-2:00 a.m.
2:00-3:30 a.m.
2:00-3:00 a.m.
Bank of Scotland
12:00-1:30 a.m.
3:00-4:00 a.m.
6:00-9:00 a.m.
6:00-9:00 a.m.
Yorkshire Bank
11:30-12:30 a.m. (day before)
12:00-1:00 a.m.
Ulster Bank
2:00-3:00 a.m.
2:00-3:00 a.m.
1:00-2:00 a.m.
Metro Bank
12:00 am -2:00 am
Please note that these times were correct at the time of publishing and are subject to change or fluctuation.

Other UK Banks

Please let me know if I have not listed your bank and time and I will add it as soon as possible.

Weekend and Holiday Bank Deposits

Most banks will release your funds early for withdrawal if your wages are due on a Sunday. Some will release them on the Friday before, whereas others will wait until Saturday to make the funds available.

Normally, if your money is due to be released on a bank holiday, you will be able to gain access to it starting the Friday before.

When Will My PayPal Deposit Be Available?

If you are paid through PayPal, they now operate a faster payment service which means that when you transfer your PayPal funds to your bank account, you can have your money in your hands within two hours.

When Do You Get Paid?

When Does Your Money Go Into Your Account?

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    • sparkleyfinger profile image

      Lynsey Harte 3 years ago from Glasgow

      Great hub as a guide to times. Im with BOS, and my wages are usually in at 12.20 am each month :)

    • jimmythejock profile image

      James Paterson 3 years ago from Scotland

      Hi Sparkleyfinger, Thanks for your visit and comment. I was with BOS until last year and when I changed to RBS my wages went in to my account later.....jimmy

    • sparkleyfinger profile image

      Lynsey Harte 3 years ago from Glasgow

      aye, RBS suck though, don't they lollol

    • old albion profile image

      Graham Lee 3 years ago from Lancashire. England.

      Great research here Jimmy. Thank you.


    • Renee 3 years ago

      I think it's good that my bank is 6am. Always getting money after 12am is always a bad sign!! I also think it shows what banks are doing. Is it that the ones that let you the earlier!! Have the most money?

    • Paula 3 years ago

      I'm with Nationwide and it's 3:15 am money still not showing in..... Missing when I used to bank with Lloyds.....

    • kelly osborne 3 years ago

      Im with coventry building society& im assuming it goes in at 12 as i have wuthdrawn at 10 past a few times :)

    • Laura 3 years ago

      Can you get the times for TSB? Are they just the same as Lloyds still? It's 0025 and my money isn't in yet

    • 2 years ago

      If your money ideas due in on a Monday in Ulster bank you can get it after 3am on the SATURDAY!!

    • zoey24 profile image

      zoey24 2 years ago from South England

      Great hub! I suspect things have changed a little since this was published. I bank with Natwest and Halifax.

      Natwest release my money between 12.15am-1am. Halifax release my money at midnight.

      Voted up :)

    • Lukeww 2 years ago

      I bank with lloyds, i am waiting for my wages to clear it's 00:37AM whereas with Barclays my money had cleared by 00:00am.

    • Garthy 2 years ago

      I am with Halifax and found out last year something disturbing. Your salary goes in to your account at 3 am BUT..........any payments come out at 2am causing you to go overdrawn and whacking you with a charge. Is this the reason they leave it so late to pay you?

    • Linds 2 years ago

      Halifax are terrible! I used to finish at 1 in the morning and my pay wouldn't be there, when people who banked with Barclays had theirs bang on midnight.

    • Steve 2 years ago

      Im with clydesdale and that's why I will stay with clydesdale, there was even jobs I had that were supposed to pay on the monday but I would get money in my account on the friday night. Also its earlier than that, the money appears in the account at 11:10pm which is handy.

    • ashley 2 years ago

      tsb ppl what's their updating time. its 2.12 and my money still is not in.

    • jack 2 years ago

      The way bacs works is that the money leaves the employer account and shows in the employee account on the same date. I do payroll at my company so it's not your bank holding onto the money

    • katie 2 years ago

      anybody no what time coventry bank will let ya withdraw is it after 12 midnight

    • Iain 2 years ago

      Santander can release money as earlier as 10.30 pm the day before pay day im waiting on my wages i find it hard to believe they would start releasing from 6am to 9am I've never been paid that late usually if there not in by 3am they don't go in at all just trying to understand how you came up with 6am to 9am.

    • Tee 2 years ago

      I bank with LLoyds and Halifax. Halifax usually clears in my account between 0010 and 0045 and Lloyds is pretty much the same. HSBC had a habit of about 3am ish but I haven't used them for years. The bonus about HSBC was that you could find out on telephone banking what credits and debits were due out of you account the next working day. Not so with Halifax or Lloyds though.

    • John 2 years ago

      RBS/Natwest/Ulster all let you access funds on Saturday on any payment due to clear Monday. All 3 of them update between 2am-2:30 am.

    • steven 2 years ago

      im banking with lloyds tsb and its 2:30 and still no wages in it was 4:30 last week before i could withdraw

    • Rich 2 years ago

      My bank is under my mattress and it releases my money whenever I lift it up. It's very convenient

    • Joshua 2 years ago

      Metro bank timings?

    • SandyMertens profile image

      Sandy Mertens 2 years ago from Frozen Tundra

      Very interesting. I never paid attention on what time the money goes into the bank.

    • shshshs 2 years ago

      TSB normally comes in between 12-2am from previous experience. Yes, I do clock watch when I get my wage.

    • Scampi 2 years ago

      Huh I'm bank of scotland but wages and tax credits aren't in till 3am

    • TheZone246 2 years ago

      I checked my Lloyds acct just after midnight on Sunday 02 Nov 2014 to see if my account was credited for a regular credit that was due for Mon 03 Nov and it was not credited so I refreshed for approx 20 minutes and nothing until around 00:20 when thankfully it was credited to my account. I never tried this in around 10 years so don't know what time it is usually credited.

    • jason 2 years ago

      hi do rbs still update between 2 and 3am,thanks in advance

    • TheZone246 2 years ago

      I checked my Lloyds acct just after midnight on Sunday 02 Nov 2014 to see if my account was credited for a regular credit that was due for Mon 03 Nov and it was not credited so I refreshed for approx 20 minutes and nothing until around 00:20 when thankfully it was credited to my account. I never tried this in around 10 years so don't know what time it is usually credited

      I also just checked to see if my DWP (DLA) had been credited to my Abbey Santander account because I noticed the original poster said it wouldn't be credited until between 6am & 9am. its now 12:09 am on the early Monday morning on the due date Mon 11th Nov and the credit is showing!.. Perhaps it depends on different factors? IE your name? National Insurance Number etc?.. Who knows?..

    • doris and me profile image

      Mohammad Tanvir Ibne Amin 2 years ago from Dhaka

      Excellent hub. Can you tell me the time when Stander charted bank open for transaction? Wonderful research..

    • Tim 2 years ago

      2:30 Nat west great original post thanks :)

    • jock 24 months ago

      when does halifax update?

    • graham 23 months ago

      Natwest...i went at 12,1,2,3,4,5,finally got money at i drew the lot out and closed my account when the bank opened..i was only short of money because of them paying dd 4 days early.

    • Ben 23 months ago

      I use Santander and mine normaly go in day before about 22.30

    • dan 23 months ago

      Santander bank I have never received between 6-9am ever in the 8years I have been with them. Can be anywhere between 2100the day before and 0020 the due date. I've never been paid later than either of those times.

    • ozzy 22 months ago

      Anyone know what time metro bank pays in please?

    • Rebecca 22 months ago

      Santander have always paid mine from 9.30 day before never ever afterifnight always day before pay day so we're does 6/9 come from

    • nadey 22 months ago

      When does hsbc clear your funds

    • Rob 22 months ago

      Look at the chart halfway up the page

    • Ryan 21 months ago

      Am with bank of Scotland and mines is never in before 4am ,i get paid weekly and its around the same time each week

    • Lox 21 months ago

      I'm panicking as tax credits always show by now ( 00:47) and it's not currently. Halifax

    • Gex 21 months ago

      I'm with Barclays, some payments clear just after midnight some payments can take up to 1.30am

      Bank holiday payments generally land on the Saturday

    • bex 21 months ago

      Do Barclay's pay money on good Fridays when it's due?

    • nat 21 months ago

      Anyone know when money is due on a bank holiday monday during Easter, when hsbc pay out?

    • bex 21 months ago

      I get paid on 12th monthly today is sunday 12th im with halifax will it go in tomorrow?

    • Lmkay.82 20 months ago

      Hi. Any chance you could check out metro bank please?

    • James 20 months ago

      There's no time slot listed above for TSB? Everyone at work got paid on Saturday because of the bank holiday but my wages still haven't reached my account? TSB are wan#ers lol

    • jimmythejock profile image

      James Paterson 20 months ago from Scotland

      TSB is the same as LLoyds

    • CeciliaReyes 20 months ago

      Still not been paid. Tsb. 7.06

    • Blow 19 months ago

      Waiting for budgeting loan from DWP posted letter back first class on Thursday they should have received it on the Friday. Today is Tuesday 00:12 hrs . Could go in anytime £812 plus tac credit so will be minted this week. £30 for the fat Hungarian whore can't wait plus weed life on benefits the best way to live . God bless America and England I'm from Pakistan

    • Blow 19 months ago

      Tax credits went into Halifax at 0015hrs still awaiting on budgeting loan of £812

    • The Zone 19 months ago

      I'm not Sure TSB is the same as Lloyds because I have checked my Lloyds credits and they seem to be paid in between 00:20 & 00:30

    • Taz 19 months ago

      Waiting on dla payment with lloyds. First time to this bank as was previously natwest but at 1:10am still no sign of it.

    • TheZone246 19 months ago


      Some say it can depend on name & or national insurance number as to what time payments are paid. Hope your payment eventually arrived..

    • darrell 19 months ago

      times for Norwich & peterbough?

    • sarah 19 months ago

      what about tesco bank?

    • mell 17 months ago

      santander clears around 10pm the day before.

    • mel 17 months ago

      TSB (NOT Lloyds TSB) credits between 12 and 1am. x

    • Jonny 17 months ago

      Great article. My Santander account was always after midnight, but now use Nationwide. Just checked account approx 12:15am and no joy. Didn't check last month untill gone 8am so just hope all fine. Has made me worry bit less! Cheers fella.

    • Gavster 17 months ago

      Santander usually clears my wages the day before between 2145-2200

    • jimmy 17 months ago

      Halifax is 4am

    • Shane 17 months ago

      Tsb fluctuates. Sometimes its dead on midnight and sometimes its any time before 3am.

      Regular payments tend to settle at 12-12:45.

    • Sharon 17 months ago

      i bank with lloyds, it's 01.17 and still no money into my bank.

    • 16 months ago

      I bank with Llyods and no payments until 9.02AM

    • Nicola 16 months ago

      When i was with Yorkshire Bank to my suprise Monday s money would come after midnight on Friday eve, ready for a fab weekend !! Only prob was nothing left by Sunday for the rest of the week !!!! Bonus though W T C would clear for Sat P M so still had a bit !!!!! At present i am with Santander and my money clears at ten thirty ish ready for Tuesday so still bit lucky !!! Have to say though if been broke that weekend tend to have a bit of a blow out at local supermarket !!!Feels great though eating a full choc cake at that time covered in cream washed down with a glass of white !!!!! He He

    • Chanelle 15 months ago

      Anyone know what time metro bank releases benefit payments. What time will it go in my account??

    • Jennifer 15 months ago

      When do money go in natwest

    • Sharl 15 months ago

      Bank with Halifax and it's not gone in my account been checking since midnight

    • Val 15 months ago

      What time does money go into a First Direct account?

    • BankWithSantander 14 months ago

      I'm with as my name says and there update between 21:30 and 23:45 hope this helps and I think Santander is the only bank to NoT Be TiGhT BuGgErS lol

    • Paul 13 months ago

      Halifax is 4am has been for last 15 yrs

    • tina 13 months ago

      hsbc are the worst... i do think it does have something to do with your employer aswell my previous job paid me at 10am on pay day where as my current comes about 8 ish

    • sarah 12 months ago

      does anyone know what time tesco update?

    • Ace 12 months ago

      Can anyone shed some light when a refund to a debit card go into my bank plse.was told on monday morning early refund had just been done they said thurs latest,its now 01:50am and its still not with lloyds.

    • ace 12 months ago

      Sorry meant to say its now 01:50am wednesday to the above comment.

    • Neeh 11 months ago

      I been waiting on a bacs tranfer from the council and they said put through on tuesday its now sat and still recieved no money called lloyds they can't see nothing anyone know how long this should have taken or when I shoud expect this payment

    • Nat 10 months ago from south Wales

      Hi I bank with Halifax and I'm due to be paid Monday just wondering if my money with clear on a Saturday thanks

    • 10 months ago

      Adding to another person, I, too, banked with Santander for years and my payments were always cleared between 10-11 most days, with the occasional payment going in before midnight the prior day, but I, too, have never had to wait until the day itself, let alone until 6am.

      However, I strongly suspect many factors are in play, ie your surname, area, and the banks must benefit from it somehow or they wouldn't do it.

    • Zach 9 months ago

      This seems wrong to me, my Halifax account always updates between 12:30 and 1 am and my Barclays was always bang on 12:15am. maybe should update

    • katelynn 8 months ago

      im with halifax and it drives me nuts. most times my money clears around 12:15am but tonight at 1:10am its still not in. i dont no if its the updates thats happened or what but this is a first for me as its always in by now. i like doing my midnight shopping so im not in a rush and beating the crowds during the day.

      has anyone else with halifax had the same issues? i no a few people who are with the same bank and they have said there money clears around 12:15am unless its a bank holiday and it clears on the friday before at 1:30am.

    • Hanmerton97 8 months ago

      Great I'm with natwest-.-

    • RamboKnifepointFBme! 8 months ago

      The Co-operative Bank into which my Employment & Support Allowance is paid lets me have my money at 1 am or thereabouts as long as my medical evidence was handed in at the right time i.e long before the date of payment.

    • Referds 7 months ago

      Do banks process wages due on Tuesday following a bank holiday early?

    • zita williams 7 months ago

      I bank with Halifax I get paid weekly it says Halifax clears 3-4am???

      mine is never cleared until at least 8:45 am why????

    • Wookey 7 months ago

      Great research! I found this article dead useful, many thanks!

    • Johno 6 months ago

      Does anybody know what time benefits payments clear in metrobank please?

    • Emma 6 months ago

      Anyone know what time Lloyds payments go in its 3.15 and still nothing showing

    • LyseeLou 5 months ago

      I bank with barclays now and I get my payment at 00:02am and I also get my Monday payment on a Saturday! Should this be the same as say ESA askin for a friend any more information about this would be great thanks for your article very helpful x

    • clarke1991 5 months ago

      Thank you for your list but I believe HSBC may need updating. The account has updated between 01:00 & 01:30 for the past year my wages have gone in.

    • Barrow in Furness broad close 5 months ago

      What time does it clear in hsbc? It can't be 6am

    • mike 5 months ago

      I'm waiting 3 - 5 working days for my insurance refund to go into Halifax current account I'm on day 3 coming to day 4 hoping it will go in, what time will this be processed, anyone?

    • Chezza 4 months ago

      What time does barclays update please

    • Karl 3 months ago

      Anyone with think money tell me how they work

    • Minsky1980 3 months ago

      Glad I found this site.I checked my bank of Scotland account at 12.09am-no money,checked again 12.20am + my money was in.Child tax and working tax credits.Wonder if it'l be the same for wages from work on Friday

    • Rossi46 3 months ago

      Chezza - my wages hit my Barclays account at 3.30am

    • Blah 3 months ago

      Nat West, credits between 2.00 & 2.15 every morning, Internet banking and phone apps will not work between these times.

    • Eims 3 months ago

      I'm with ulster bank and due to get paid on mon 31st Oct. I'm with a new employer now and previously when I was due to get paid on a monday it went in on a fri, would this still be the case or does it depends on the employer?

    • Regal766 3 months ago

      Can someone transfer cash by bacs on a Sunday and if so how long before it shows up in my account ????

    • S00190 2 months ago

      Think money put money into account on the day it is due at around 6am but sometimes up to 11am if they have system issues which is more often than not. They have left me with no access to my own money many times which is why I've opened a Santander account. They are unreliable as a bank.

    • Katie 2 months ago

      I'm with Santander its always in day before about 10 pm

    • moaner 2 months ago

      my Halifax statement is showing my pip payment went in sometime after midnight,but it's not showing the amount as available funds et.does anyone know why???? I never had this problem when the award was under the name of DLA, it was always paid in and available straight after midnight.

    • Pontoon 2 months ago

      The clocks have gone back an hour will that mean payments go in an hour earlier!

    • Jordan Ashman 2 months ago

      Nationwide is absolutely dreadful and I wouldn't recommend it to anyone. It's 2:30am and my money still hasn't cleared.

    • tammi cook 2 months ago

      I bank with nationwide and iv always had my money clear by 3am, if at any time its not in by 3.05 am iv always left it till the next morning when I find it is in there. Thought I was the only mad woman getting my money out at 3am xx

    • Steve 8 weeks ago


    • tttttt 8 weeks ago

      what time will my bursary go in if im with llodys bank

    • Robert Noble 7 weeks ago

      was supposed to be payed arrears today from dwp into bank acount rbs but still nothing and its now 6am wtf

    • Zoe975 7 weeks ago

      I bank with London Mutual Credit union, which is part of the Co Op. I've found that my direct payments usually go into my account between 2 AM - 4 AM but it's usually around 4 AM

    • Jake 3 weeks ago

      I've just left M&S for Co-Op and my last wage packet from M&S has gone into my account but my wages from Co-Op haven't. My manager said I had been set up on pay roll for sure so how could this be?

    • dimitri 3 weeks ago

      I am with BACS was supposed to get paid today.

      But the money its not in my account.

      Getting worried. its 7am when usually I get paid before 3 am. its 23 december

    • NIC nac 2 weeks ago

      Anyone know when tesco release the funds

    • Stacey 2 weeks ago

      Santander and Halifax? Payment due Tuesday. Will it be released on a Saturday because of BH?

    • Claire 11 days ago

      Does anyone know if nationwide py money in on a Saturday if u get paid on a monday

    • Carol 11 days ago

      Times of bacs payments for Thinkmoney please

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