| Currency / Rail | 2025 Holidays | 2026 Holidays |
|---|---|---|
| USD ACH / Wires (Fed system) | New Year’s Day - Wednesday, January 1, 2025 Martin Luther King Jr. Day - Monday, January 20, 2025 Washington’s Birthday (Presidents’ Day) - Monday, February 17, 2025 Memorial Day – Monday, May 26, 2025 Juneteenth National Independence Day - Thursday, June 19, 2025 Independence Day - Friday, July 4, 2025 Labor Day - Monday, September 1, 2025 Columbus Day - Monday, October 13, 2025 Veterans Day - Tuesday, November 11, 2025 Thanksgiving Day - Thursday, November 27, 2025 Christmas Day - Thursday, December 25, 2025 | New Year’s Day - Thursday, January 1, 2026 Martin Luther King Jr. Day - Monday, January 19, 2026 Washington’s Birthday (Presidents’ Day) - Monday, February 16, 2026 Memorial Day - Monday, May 25, 2026 Juneteenth National Independence Day - Friday, June 19, 2026 Independence Day - Saturday, July 4, 2026 (observed Friday, July 3, 2026 by some banks) Labor Day - Monday, September 7, 2026 Columbus Day - Monday, October 12, 2026 Veterans Day - Wednesday, November 11, 2026 Thanksgiving Day - Thursday, November 26, 2026 Christmas Day - Friday, December 25, 2026 |
| EUR SEPA Credit | New Year’s Day - Wednesday, January 1, 2025 Good Friday - Friday, April 18, 2025 Easter Monday - Monday, April 21, 2025 Labour Day - Thursday, May 1, 2025 Christmas Day - Thursday, December 25, 2025 Boxing Day / Second Day of Christmas - Friday, December 26, 2025 | New Year’s Day - Thursday, January 1, 2026 Good Friday - Friday, April 3, 2026 Easter Monday - Monday, April 6, 2026 Labour Day - Friday, May 1, 2026 Christmas Day - Friday, December 25, 2026 Boxing Day / Second Day of Christmas - Saturday, December 26, 2026 |
| EUR SEPA Instant | None (Instant, 24/7/365) | None (Instant, 24/7/365) |
| MXN SPEI | New Year’s Day - Wednesday, January 1, 2025 Constitution Day (observed) - Monday, February 3, 2025 Benito Juárez’s Birthday (observed) - Monday, March 17, 2025 Holy Thursday - Thursday, April 17, 2025 Good Friday - Friday, April 18, 2025 Labour Day - Thursday, May 1, 2025 Independence Day - Tuesday, September 16, 2025 Revolution Day (observed) - Monday, November 17, 2025 (celebrated third Monday of November) Christmas Day - Thursday, December 25, 2025 | New Year’s Day - Thursday, January 1, 2026 Constitution Day (observed) - Monday, February 2, 2026 Benito Juárez’s Birthday (observed) - Monday, March 16, 2026 Holy Thursday - Thursday, April 2, 2026 Good Friday - Friday, April 3, 2026 Labour Day - Friday, May 1, 2026 Independence Day - Wednesday, September 16, 2026 Revolution Day (observed) - Monday, November 16, 2026 Christmas Day - Friday, December 25, 2026 |
| BRL PIX | None (Instant, 24/7/365) | None (Instant, 24/7/365) |
| GBP Faster Payments | None (Instant, 24/7/365) | None (Instant, 24/7/365) |
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Holidays
📅 Holiday Table: 2025–2026
Transfers initiated on a recognized holiday for a given payment rail will not be processed and will be queued for the next business day.
Payment rails that complete instantly 24/7/365 are typically not affected by holidays. While transactions will complete during the holiday, the date recorded may be the following business day.