What time does money go in??

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Mrs_A_4
Mrs_A_4 Posts: 184 Forumite
in Budgeting & bank accounts
Hi folks

I am waiting for some money to be paid into my current account. I know it is due around now, but don't have an exact date. I have nerdishly spent the last few nights waiting up till midnight to check online banking, in the hope it'll show up. It hasn't done tonight, despite the fact I had carefully planned my shopping spree!

Does anyone know if credits always hit at midnight, or 9am, or 5pm, or whatever? It's Barclays, if that makes a difference.

:o
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  • cifpower
    cifpower Posts: 6,502 Forumite
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    I think Barclays is after 1am
  • doelani
    doelani Posts: 2,576 Forumite
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    different banks have different times, I used to be with abbey and it was in at midnight, now with halifax goes in about 3 am. I am sure someone who banks with barclays.

    the only thing i woudl say is that if a Bacs transfer it will eb in for opeing of business and if not in for 9am would not see it being in the rest of that day. Unless being done by Chaps transfer or one of these new faster transfers.

    Hope you get your money soon
    TOTAL 44 weeks lose. 6st 9.5lb :T
  • Lokolo
    Lokolo Posts: 20,861 Forumite
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    Lloyds is done soon after midnight. HSBC a lot later, I usually check HSBC the next morning (or later on in the morning whichever way you see it).
  • ShelfStacker_3
    ShelfStacker_3 Posts: 2,180 Forumite
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    Lloyds sometimes clear a lot earlier. I've had my pay go in in the middle of Sunday morning with them... I wouldn't rely on it, but it's just a headsup.
  • Mrs_A_4
    Mrs_A_4 Posts: 184 Forumite
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    Thank you for your replies so far.
    Unfortunately it's still not there, so I guess I'm doomed to obsessively check my account three times a day until it goes in!
  • Helix
    Helix Posts: 2,381 Forumite
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    Natwest tend to take online banking down for a couple of hours at 1am and then when it returns I find any money due that day has gone in. So its about 3am really.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    With Yorkshire Bank (and presumably Clydesdale Bank as well) I can see my next day's transactions at around 11-11:30pm the day before. :)

    I can also see Monday's transactions at 11-11:30pm on Friday night.

    Credits due on Monday form part of the available balance immediately, so can be 'spent' over the weekend.
  • BASHFUL_2
    BASHFUL_2 Posts: 197 Forumite
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    hiya, if it is a CHAPS payment, it can go in at any time of the day,between opening hours and 4.30. Hope you get the money soon, I'm also waiting for a payment, should be in today or I shall not be a happy bunny!!!!! :-)
    :p I'm a frugal wannabe :p
  • Mrs_A_4
    Mrs_A_4 Posts: 184 Forumite
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    Good luck to you, Bashful!

    I think it is a BACS payment. In fact I will probably tell myself it definitely is or I will be checking obsessively evey half hour :)

    Does anyone have a definitive answer for Barclays?
  • Mrs_A_4
    Mrs_A_4 Posts: 184 Forumite
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    Just found out the payment is due on the 5th, so guess I will be checking from midnight and crossing fingers and toes until it appears!
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