Transfers initiated on a recognized holiday for a given payment rail will not be processed until the next business day.
[!NOTE] Payment rails that complete instantly 24/7/365 (like PIX or SPEI) are typically not affected by holidays. While transactions will complete during the holiday, the settlement date recorded may be the following business day.
Holiday Schedule 2026–2027
| Rail System | 2026 Holidays | 2027 Holidays |
|---|---|---|
| USD (ACH / Wires) | New Year’s Day - Jan 1 MLK Day - Jan 19 Presidents’ Day - Feb 16 Memorial Day - May 25 Juneteenth - June 19 Independence Day - July 4 Labor Day - Sept 7 Columbus Day - Oct 12 Veterans Day - Nov 11 Thanksgiving - Nov 26 Christmas Day - Dec 25 | New Year’s Day - Jan 1 MLK Day - Jan 18 Presidents’ Day - Feb 15 Memorial Day - May 31 Juneteenth - June 18 Independence Day - July 5 Labor Day - Sept 6 Columbus Day - Oct 11 Veterans Day - Nov 11 Thanksgiving - Nov 25 Christmas Day - Dec 24 |
How Holidays Affect Your Transfers
- Processing Delays: Any transfer requiring manual review or traditional rail processing (like ACH or SWIFT) will be paused during bank holidays.
- Weekend Rule: If a holiday falls on a Saturday, it is often observed on the preceding Friday. If it falls on a Sunday, it is typically observed on the following Monday.
- Queueing: You can still initiate transfers during holidays. They will be securely queued and sent for processing as soon as banks reopen.
For more details on specific rail behaviors, see our Virtual Account Capabilities.