Online Services daily payment cut-off times

The following table lists all available payment types available via Online Services and outlines cut-off times, when your account will be debited and the receiver account/biller will be credited.

Payment type When can I make this payment When is my account debited Payment delivery timeframes
Transferring money to another First Trust Bank account Anytime* Immediately Immediately
Transferring money to another UK Bank or Building Society Anytime*
Immediately Beneficiary bank will usually be credited within two hours, but no later than the next banking day.
Making a Bill Payment Anytime*
Immediately Beneficiary bank will usually be credited within two hours, but no later than the next banking day. 
Making a Bill Payment to a First Trust Visa / Mastercard Anytime* Immediately

Immediately

Please note: as the balance and transactions of your credit card are shown up to the close of business on the previous banking day, you will not see this payment on your credit card account until the next banking day.

Forward dated Bill Payments Anytime* After 4:30pm on the date selected
Beneficiary bank will usually be credited within two hours, but no later than the next banking day.
Setting up or amending a Regular Payment Anytime*(but no later than 8:00pm the day before the payment is due) 4am on the due date
Beneficiary bank will be credited no later than the next banking day.
* Online Services may be unavailable between 3:00am and 7:00am due to essential maintenance.

Other transaction cut-off times

Transaction type When can I complete this transaction
Direct Debit cancellation Anytime* (but no later than 7:00pm the day before the payment is due)