Xmas Banking Days

don't know the answer, sorry, but if it was me I'd transfer the money early just to be on the safe side.

yeah, my bank doesn't make it easy either, in the past i have cancelled SOs, done a manual transfer and restarted the SO later, bit of a faff though

As boo_star said, the transfer will take place on the 27th. As there isnt a clearing run on the 26th, the transfer will take place at the end of the day on the 27th, if you have internet/telephone banking it will be worth delaying the standing order until its normal pay date in January and making a one off transfer between accounts on xmas eve in order for the funds to be there on time (presuming you have already been paid early this month). This should ensure that the funds are in place before any direct debits become due.

If you dont have internet/telephone banking I would suggest nipping into a branch and having them amend the standing order and making the manual payment for you.

Jo x

Post #7 represents the correct answer. If your Bank runs its internal systems daily (as Halifax) - it will cut across on the 25th. If not - the transfer is likely to take place concurrently with the DDs. So it depends on your Banks attitude to funding the DDs on the same day they're due? So if they're one of the Banks that still thinks the day after Friday ... is Monday (and reserves the funds for DDs due out Mon - on the Fri night) ........ then you need the funds in place around teatime 24th (as they'll be running systems a bit earlier)