Christmas 2025 and New Year Opening Times

To ensure there is no disruption to our service, we want to share with you the following opening times and payment cut-off times for the Christmas and New Year period.

All times listed are GMT.

Christmas Eve closing time

We can confirm that the bank will close at 1pm Wednesday 24 December 2025 and will reopen on Monday 29 December 2025.

Investment trading cut-off time:

Our dealing desk will close at 12:30pm on Wednesday 24 December 2025.

Payment cut-off times

The payment cut-off times for Sterling payments within the UK are:

• 10:30am on Wednesday 24 December 2025 for payments over £50,000.
• 1pm on Wednesday 24 December 2025 for payments below £50,000.
• Payments you make after the cut-off time will be processed for the value date of 29 December 2025.

Sterling payments outside the UK, and Euro, and US Dollar payments:

• 10:30am on Wednesday 24 December 2025.
• Payments you make after the cut-off time will be processed for the value date of 29 December 2025.

Payments in other currencies:

• Payments made after 12pm on 22 December will be processed for the value date of 29 December.
• Payments you make after 12pm on 23 December will be processed for the value date of 30 December.
• Payments you make after 10:30am on 24 December will be processed for the value date of 31 December.

FX trading cut off-times (all currencies)

• 10.30am on Wednesday 24 December 2025
• Returning to usual operating hours from 29 December 2025

New Year

The bank will close at 4pm on Wednesday 31 December 2025 and will reopen on Friday 2 January 2026.

Investment trading cut-off time:

Our dealing desk will close at 12:30pm on Wednesday 31 December 2025.

Payment cut-off times

Sterling payments within the UK:

• 12pm on Wednesday 31 December 2025 for payments over £50,000.
• 4pm on Wednesday 31 December 2025 for payments below £50,000.
• Payments you make after the cut-off time will be processed for the value date of 2 January.

Sterling payments outside the UK, and Euro and US Dollar payments:

• 12pm on Wednesday 31 December 2025.
• Payments you make after the cut-off time will be processed for the value date of 2 January.

Payments in other currencies:

• Payments you make after 12pm on 29 December will be processed for the value date of 2 January.
• Payments you make after 12pm on 30 December will be processed for the value date of 5 January.
• Payments you make after 11am on 31 December will be processed for the value date of 6 January.

FX trading cut off-times (all currencies)

• 1pm on Wednesday 31 December 2025
• Returning to usual operating hours from 2 January 2026

We wish you and your family a happy and prosperous Christmas and New Year. If you have any questions, please do not hesitate to get in touch with your private banker or our client services team on [email protected] or by calling +44 (0)1624 645000.