Last updated: Mar 25, 2026, 1:47 PM
Learn about credit card batch timing for restaurants in Australia, Ireland, Canada, and the UK.
| The deposit schedules in this article apply to restaurants based in Australia, Ireland, Canada, and the UK. For U.S. based restaurants, see Deposits Schedule Overview in Support Center for more information. |
Toast is configured to capture a credit card batch every day automatically. Credit card batches are deposited into your bank account based on the following schedule:
| Before cutoff time on: | Deposit is made into bank account on: |
|---|---|
| Monday | Tuesday |
| Tuesday | Wednesday |
| Wednesday | Thursday |
| Thursday | Friday |
| Friday, Saturday, or Sunday | Monday |
Cutoff times are as follows:
| Location | Daily cutoff time: |
|---|---|
| United Kingdom, Ireland | 3 a.m. |
| Canada (EST) | 3 a.m. |
| Canada (PST) | 12 a.m. |
| Australia (AEDT) | 3 a.m. |
| Bank holidays will add +1 day to the payout schedule. |
Note: Some Asian card brands can take 3-4 days to settle into your account and may fall outside this timeframe (e.g., JCB, Union Pay).
International Banking Holidays
UK Bank Holidays
| Holiday | 2026 | 2027 |
|---|---|---|
| New Year's Day | 1 January (Thursday) | 1 January (Friday) |
| Good Friday | 3 April (Friday) | 26 March (Friday) |
| Easter Monday | 6 April (Monday) | 29 March (Monday) |
| Early May Bank Holiday | 4 May (Monday) | 3 May (Monday) |
| Late May Bank Holiday | 25 May (Monday) | 31 May (Monday) |
| Summer Bank Holiday | 31 August (Monday) | 30 August (Monday) |
| Christmas | 25 December (Friday) | 27 December (Monday) |
| Boxing Day OBS | 28 December (Monday) | 28 December (Tuesday) |
Ireland Bank Holidays
| Holiday | 2026 | 2027 |
|---|---|---|
| New Year's Day | 1 January (Thursday) | 1 January (Friday) |
| Good Friday | 3 April (Friday) | 26 March (Friday) |
| Easter Monday | 6 April (Monday) | 29 March (Monday) |
| Labour Day | 4 May (Monday) | 3 May (Monday) |
| Christmas | 25 December (Friday) | 25 December (Saturday) |
| St. Stephens Day | 26 December (Saturday) | 26 December (Sunday) |
Canada Bank Holidays
| Holiday | 2026 | 2027 |
|---|---|---|
| New Year's Day | 1 January (Thursday) | 1 January (Friday) |
| Good Friday | 3 April (Friday) | 26 March (Friday) |
| Victoria Day | 18 May (Monday) | 24 May (Monday) |
| Canada Day | 1 July (Wednesday) | 1 July (Thursday) |
| Labor Day | 7 September (Monday) | 6 September (Monday) |
| Reconciliation Day | 30 September (Wednesday) | 30 September (Thursday) |
| Thanksgiving | 12 October (Monday) | 11 October (Monday) |
| Remembrance Day | 11 November (Wednesday) | 11 November (Thursday) |
| Christmas | 25 December (Friday) | 25 December (Saturday) |
| Boxing Day OBS | 28 December (Monday) | 28 December (Tuesday) |
Australia Bank Holidays
| Holiday | 2026 | 2027 |
| New Year's Day | 1 January (Thursday) | 1 January (Friday) |
| Australia Day | 26 January (Monday) | 26 January (Tuesday) |
| Good Friday | 3 April (Friday) | 26 March (Friday) |
| Easter Saturday | 4 April (Saturday) | 27 March (Saturday) |
| Easter Monday | 6 April (Monday) | 29 March (Monday) |
| ANZAC Day | 25 April (Saturday) | 25 April (Sunday) |
| King's Birthday | 8 June (Monday) | 14 June (Monday) |
| Christmas Day | 25 December (Friday) | 25 December (Friday) |
| Boxing Day OBS | 28 December (Monday) | 28 December (Tuesday) |
A monthly PDF will automatically be generated each month based on the SDR data processing in the settlements pipeline. It will align with the data located in Reports > Payments > Deposit totals overview in Toast Web.