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When Does My Money Go into My UK Bank Account?

Updated on May 26, 2017
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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

Bank
Time
Clydesdale
11:30 p.m.-12:30 a.m. (day before)
Barclays
1:00-2:00 a.m.
Natwest
2:00-3:30 a.m.
RBS
2:00-3:00 a.m.
Bank of Scotland
12:00-1:30 a.m.
Halifax
3:00-4:00 a.m.
HSBC
6:00-9:00 a.m.
Santander
6:00-9:00 a.m.
Yorkshire Bank
11:30-12:30 a.m. (day before)
Lloyds
12:00-1:00 a.m.
Ulster Bank
2:00-3:00 a.m.
Nationwide
2:00-3:00 a.m.
COOP
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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Comments

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    • profile image

      Jay 2 weeks ago

      My pay goes into my nationwide account at 00:40. But I have made an express bank transfer from my betfair account to my bank which I can see has left betfair at 5.30am so im curious as to what time that will arrive into my nationwide account

    • profile image

      Phil 2 weeks ago

      I'd like to know when Pockit Mastercard goes in. (WIRECARD)

    • profile image

      kym 2 weeks ago

      When does virgin bank update accounts

    • profile image

      krill22 3 weeks ago

      Bank of Scotland ESA benefit - my ESA benefit went in between 3am & 4am, i stayed up till 1am no joy, got up again just before 3am still nothing, checked again @ 4am was in, hope this helps someone. Seems the banks are a law unto themselves as there is no clear time frame for money going in or customers able to know specifics which will not be for a lack of people asking. Some people need to know money is in the early hours to prepare for the next day or maybe go to a supermarket in the early hours for something to eat as DWP benefit does NOT keep you going properly and for most runs out long before next payment day.

    • profile image

      Kezza 3 weeks ago

      I bank with Halifax 12.20 mine was in if this helps x

    • profile image

      Santander 3 weeks ago

      Santander is always 1030 pm for both wages and uni creds. Always 1030. I was with nationwide it was 230 am. My barclays is stroke of midnight

    • profile image

      Jack 3 weeks ago

      I'm with Barclays and usually mine goes in any time between 4-6 am

    • profile image

      Sean 8 weeks ago

      I bank with Nationwide and haven't ever checked my account for my pay in the early hours, but it's always there when I wake up - except today. It didn't reach my account until after 10am!

    • profile image

      Leeroy 2 months ago

      I bank with Barclay's and they're pretty good. I'm sure my wages tend to go in just after midnight. I also find if I'm due to be paid on a Monday, my wages are paid into my account on the Saturday, 2 days early.

    • profile image

      TheFag 2 months ago

      Ty for article gives me some relief knowing when my money's coming

    • profile image

      Kyle greaves 2 months ago

      Waiting for rubbish HSBC to let me have my wages it's 3:05am still nothing yet

    • profile image

      Ades 2 months ago

      Yorkshire bank is worst look liked it bec 2am and nothing showing

    • profile image

      Stacie ferguson 4 months ago

      My universal credit payment is showing in my account but i cant withdraw it. Im with lloyds tsb if that helps

    • profile image

      Daniel 4 months ago

      TSB times are the same as lloyds.

    • profile image

      lily watts 5 months ago

      Does anyone bank with Santander? Does anyone know if the clear the funds on Sunday & what time pls?

    • profile image

      Mickey 5 months ago

      Tesco just went in at 2.20am

    • profile image

      diane hill 5 months ago

      tescos bank thankyou xx

    • profile image

      Jane 6 months ago

      What time does TSB make payments available?

    • profile image

      Kevins 6 months ago

      Still no comment from bnk

    • profile image

      Mentalmovieguy 6 months ago

      Does anyone know if you get paid on a Sunday with Santander? I usually get paid on a Wednesday and it goes if the night before but I'm due my pip on Monday and was wondering if it was the same as a wednesday and I would get paid the Sunday night

    • profile image

      Dave Bull 6 months ago

      What time do Tesco Bank show...?

    • profile image

      dave 6 months ago

      First time with yorkshire bank do you know what time dwp money clears??

    • profile image

      Nikita 7 months ago

      I'm with Santander and my money always goes in 9.30pm day before I get paid. My Halifax was 12

    • profile image

      Dave Bull 7 months ago

      Please show Tesco Bank. Never before 3am...

    • bodylevive profile image

      BODYLEVIVE 9 months ago from Alabama, USA

      OOPS! I don't bank in the UK but it's nice to know anyway.

    • profile image

      Robert nisbet 10 months ago

      am with barclays and still no wages in my account between 1-2am cant be true

    • profile image

      Katie 10 months ago

      I'm with santander and my money always goes in between 10pm and midnight

    • profile image

      Carol 10 months ago

      Times of bacs payments for Thinkmoney please

    • profile image

      Claire 10 months ago

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

    • profile image

      Stacey 10 months ago

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

    • profile image

      NIC nac 10 months ago

      Anyone know when tesco release the funds

    • profile image

      dimitri 11 months 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

    • profile image

      Jake 11 months 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?

    • profile image

      Zoe975 11 months 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

    • profile image

      Robert Noble 12 months ago

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

    • profile image

      tttttt 12 months ago

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

    • profile image

      tammi cook 12 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

    • profile image

      Jordan Ashman 12 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.

    • profile image

      Pontoon 12 months ago

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

    • profile image

      moaner 13 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.

    • profile image

      S00190 13 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.

    • profile image

      Regal766 13 months ago

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

    • profile image

      Eims 13 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?

    • profile image

      Blah 13 months ago

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

    • profile image

      Rossi46 13 months ago

      Chezza - my wages hit my Barclays account at 3.30am

    • profile image

      Minsky1980 14 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

    • profile image

      Karl 14 months ago

      Anyone with think money tell me how they work

    • profile image

      Chezza 14 months ago

      What time does barclays update please

    • profile image

      mike 15 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?

    • profile image

      Barrow in Furness broad close 15 months ago

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

    • profile image

      clarke1991 15 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.

    • profile image

      LyseeLou 16 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

    • profile image

      Emma 17 months ago

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

    • profile image

      Johno 17 months ago

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

    • profile image

      Wookey 17 months ago

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

    • profile image

      zita williams 18 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????

    • profile image

      Referds 18 months ago

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

    • profile image

      RamboKnifepointFBme! 18 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.

    • profile image

      Hanmerton97 18 months ago

      Great I'm with natwest-.-

    • profile image

      katelynn 19 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.

    • profile image

      Zach 19 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

    • profile image

      20 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.

    • profile image

      Nat 20 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

    • profile image

      Neeh 21 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

    • profile image

      ace 22 months ago

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

    • profile image

      Ace 22 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 there.im with lloyds.

    • profile image

      sarah 22 months ago

      does anyone know what time tesco update?

    • profile image

      tina 23 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

    • profile image

      Paul 23 months ago

      Halifax is 4am has been for last 15 yrs

    • profile image

      BankWithSantander 2 years 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

    • profile image

      Val 2 years ago

      What time does money go into a First Direct account?

    • profile image

      Sharl 2 years ago

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

    • profile image

      Jennifer 2 years ago

      When do money go in natwest

    • profile image

      Chanelle 2 years ago

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

    • profile image

      Nicola 2 years 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

    • profile image

      2 years ago

      I bank with Llyods and no payments until 9.02AM

    • profile image

      Sharon 2 years ago

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

    • profile image

      Shane 2 years ago

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

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

    • profile image

      jimmy 2 years ago

      Halifax is 4am

    • profile image

      Gavster 2 years ago

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

    • profile image

      Jonny 2 years 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.

    • profile image

      mel 2 years ago

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

    • profile image

      mell 2 years ago

      santander clears around 10pm the day before.

    • profile image

      sarah 2 years ago

      what about tesco bank?

    • profile image

      darrell 2 years ago

      times for Norwich & peterbough?

    • profile image

      TheZone246 2 years ago

      Taz..

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

    • profile image

      Taz 2 years 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.

    • profile image

      The Zone 2 years 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

    • profile image

      Blow 2 years ago

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

    • profile image

      Blow 2 years 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

    • profile image

      CeciliaReyes 2 years ago

      Still not been paid. Tsb. 7.06

    • jimmythejock profile image
      Author

      James Paterson 2 years ago from Scotland

      TSB is the same as LLoyds

    • profile image

      James 2 years 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

    • profile image

      Lmkay.82 2 years ago

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

    • profile image

      bex 2 years ago

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

    • profile image

      nat 2 years ago

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

    • profile image

      bex 2 years ago

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

    • profile image

      Gex 2 years 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

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      Lox 2 years ago

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

    • profile image

      Ryan 2 years 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