Singapore has 11 gazetted public holidays in 2026, with additional observed Mondays for Vesak Day, National Day and Deepavali because those holidays fall on Sundays. Bank branches may close or follow holiday notices on these dates, but the effect on payments depends on the rail. FAST remains available 24 hours a day, 7 days a week, 365 days a year, while GIRO, cheque clearing, MEPS+ and many value-date or overseas-transfer processes depend on banking business days and cut-off times. Use the calendar below to plan branch visits, clearing dates and next-business-day processing.
Singapore Bank Holidays 2026 Calendar
The Ministry of Manpower lists the 2026 public holidays below. The “Next Standard Business Day” column is a planning reference for services that use a Monday-to-Friday banking business-day cycle. It does not override a bank’s cut-off time, product terms or payment-specific processing rule.
| Holiday | Date | Day | Status | Next Standard Business Day | Banking Note |
|---|---|---|---|---|---|
| New Year’s Day | 1 January 2026 | Thursday | Gazetted public holiday | 2 January 2026 | Branch holiday schedules may apply. Business-day clearing resumes on Friday, subject to bank cut-offs. |
| Chinese New Year — Day 1 | 17 February 2026 | Tuesday | Gazetted public holiday | 19 February 2026 | The following day is also a public holiday, so standard business-day clearing resumes on Thursday. |
| Chinese New Year — Day 2 | 18 February 2026 | Wednesday | Gazetted public holiday | 19 February 2026 | Branch and clearing services that require a business day normally resume on Thursday. |
| Hari Raya Puasa | 21 March 2026 | Saturday | Gazetted public holiday | 23 March 2026 | Saturday is already outside the five-day clearing week. Monday is a normal business day. |
| Good Friday | 3 April 2026 | Friday | Gazetted public holiday | 6 April 2026 | The Friday holiday is followed by the weekend, so business-day processing resumes on Monday. |
| Labour Day | 1 May 2026 | Friday | Gazetted public holiday | 4 May 2026 | Standard clearing resumes after the Friday-to-Sunday non-business period. |
| Hari Raya Haji | 27 May 2026 | Wednesday | Gazetted public holiday | 28 May 2026 | Thursday is the next standard business day for clearing processes affected by the holiday. |
| Vesak Day | 31 May 2026 | Sunday | Gazetted public holiday | 2 June 2026 | Monday, 1 June, is the observed public holiday, extending the non-business period to Tuesday. |
| Vesak Day — Observed | 1 June 2026 | Monday | Observed public holiday | 2 June 2026 | Business-day clearing and value-date processes generally move to Tuesday. |
| National Day | 9 August 2026 | Sunday | Gazetted public holiday | 11 August 2026 | Monday, 10 August, is the observed public holiday, so Tuesday is the next standard business day. |
| National Day — Observed | 10 August 2026 | Monday | Observed public holiday | 11 August 2026 | Banking processes that require a business day generally resume on Tuesday. |
| Deepavali | 8 November 2026 | Sunday | Gazetted public holiday | 10 November 2026 | Monday, 9 November, is the observed public holiday, extending business-day processing to Tuesday. |
| Deepavali — Observed | 9 November 2026 | Monday | Observed public holiday | 10 November 2026 | Branch holiday notices and next-business-day processing apply until Tuesday for affected services. |
| Christmas Day | 25 December 2026 | Friday | Gazetted public holiday | 28 December 2026 | Friday is followed by the weekend, so standard business-day processing resumes on Monday. |
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The official dates are published by Singapore’s Ministry of Manpower. Bank-specific branch hours, payment cut-offs and processing schedules can still differ.
Bank Branch Closures on Singapore Public Holidays
A gazetted public holiday should not be treated like an ordinary weekday branch day. Banks may close branch counters, change mall-branch schedules or publish temporary holiday notices. ATMs, mobile banking and internet banking can remain accessible even when staffed branch services are unavailable.
Saturday follows a different rule. The Association of Banks in Singapore states that Saturday is not a banking holiday, although individual banks may close branches on Saturdays and Sundays. The industry nevertheless uses a five-day clearing week for cheques, GIRO and traditional interbank clearing. For normal weekend branch access, use the separate Saturday bank opening hours page rather than treating Saturdays as public holidays.
Check the bank’s official branch locator or holiday notice before travelling. A branch that normally opens on weekends may still close for a gazetted holiday.
ATM and digital channels may remain available when counters are closed, but machine access, deposit cut-offs and maintenance windows can differ by bank.
ABS states that banks normally observe regular hours on public-holiday eves unless the eve is a Saturday. A special year-end exception applies on 31 December, when most branches close at 11.30am.
How Bank Holidays Affect FAST, GIRO, MEPS+ and Clearing
Not every payment channel stops on a public holiday. The main distinction is whether the service is a 24/7 real-time rail or a process tied to banking business days, clearing sessions or bank cut-off times.
| Banking Service | Public Holiday Availability | Settlement / Value Date Effect | Practical Check | Official Verification |
|---|---|---|---|---|
| Branch Counter | Bank-specific; holiday closures or special schedules may apply | Counter instructions may wait until the next staffed or business day | Use the bank’s official locator or holiday notice before visiting. | ABS banking hours |
| FAST | 24/7/365 through participating banks and non-bank financial institutions | Transfers are designed for almost immediate receipt and are not automatically deferred because the day is a public holiday | Check the transfer status in the sending bank or institution after submission. | ABS FAST |
| GIRO | Underlying debit and clearing schedules are tied to business-day processing | A public holiday can shift deduction or clearing to another business day according to the billing organisation and bank schedule | Check the stated deduction date and keep sufficient funds available around the scheduled date. | ABS GIRO |
| MEPS+ | High-value settlement is subject to operating days and bank submission cut-offs | Instructions outside an available operating window can move to the next business or operating day | Confirm the bank’s same-day MEPS cut-off before a time-sensitive transfer. | MAS MEPS+ |
| Cheque Clearing | No standard business-day clearing on public holidays | Clearing resumes on the next applicable business day; bank deposit cut-offs still apply | Allow extra time around Friday holidays and observed Monday holidays. | ABS clearing week |
| Overseas / Telegraphic Transfer | Digital submission may be available, but bank processing follows business days and currency cut-offs | Requests submitted on a Singapore or destination-market holiday may be sent on the next business day | Check both the Singapore holiday calendar and the destination country’s bank holiday calendar. | DBS transfer timing |
| Fixed Deposit Maturity | Maturity handling follows working-day rules | ABS states that when maturity falls on a non-working day, the maturity date moves to the next working day and interest is paid for the non-working day or days | Confirm the deposit’s maturity instruction and renewal terms with the bank. | ABS rates and charges |
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Does FAST Work on Singapore Bank Holidays?
Yes. ABS states that FAST is available 24 hours a day, 7 days a week, 365 days a year and is designed for almost immediate SGD transfers between participating institutions. A Singapore public holiday does not by itself turn a FAST transfer into a next-business-day payment.
Users should still confirm the transfer status in their banking app because participant maintenance, account restrictions or transaction checks can affect an individual payment. The mechanics and participating-bank context are covered separately in how FAST transfers work.
How Public Holidays Affect GIRO Payments
GIRO is used for recurring direct debits and other scheduled payments, but it should not be treated as a 24/7 real-time transfer rail. The billing organisation normally sets the deduction date, while banks process the authorised debit through GIRO arrangements. Public holidays and weekends can therefore affect when the debit or clearing entry is processed.
If a bill is due around a holiday, use the billing organisation’s stated deduction schedule rather than assuming that every GIRO debit moves in the same way. eGIRO makes the application and setup process faster, but it does not convert scheduled GIRO settlement into FAST-style instant processing. For setup and failed-deduction context, see the GIRO payment checks page.
MEPS+ on Public Holidays and High-Value Transfer Days
MEPS+ is the Monetary Authority of Singapore’s real-time gross settlement system for high-value Singapore-dollar payments and securities settlement. It is different from FAST: customer access and same-day processing are tied to bank submission cut-offs and the relevant operating day.
For example, retail and business banks publish their own same-day MEPS submission cut-offs on working days. A payment instruction entered after the cut-off, on a weekend or on a public holiday may move to the next available business day under the bank’s service rules. For the consumer-facing distinction between payment rails, see MEPS and high-value transfers.
Cheque Clearing on Singapore Bank Holidays
Singapore uses a five-day clearing week. ABS states that cheques, GIRO and traditional interbank funds-transfer clearing are carried out Monday to Friday, with no customer-account cheque clearing on Saturdays. Gazetted public holidays are also outside normal business-day clearing, so a Friday holiday can create a three-day gap before Monday processing resumes.
There is an added 2026 timing issue for corporate cheque users. From 1 January 2026, banks stopped issuing new SGD corporate cheque books, bulk cheque services and cheque self-printing services. From 1 January 2027, banks will stop processing SGD corporate cheques. ABS advises corporate cheque recipients to present cheques well before 31 December 2026. Retail SGD cheques, USD cheques and cashier’s orders remain available beyond 2026 under the current transition plan. The broader transition is covered in cheques in Singapore.
Do not leave a corporate SGD cheque to the final banking days of December 2026. Christmas Day falls on Friday, 25 December, and year-end branch and clearing cut-offs can reduce the practical processing window before the 1 January 2027 corporate cheque-processing stop.
Value Dates and the Next Business Day
For a banking instruction that uses a business-day value date, a public holiday is normally skipped rather than counted as a processing day. Saturdays and Sundays are also excluded from standard business-day calculations. The result is most visible when a Friday or Monday holiday joins the weekend.
3 April 2026, Friday
The next standard business day is Monday, 6 April.
1 June 2026, Monday observed
The next standard business day is Tuesday, 2 June.
9 November 2026, Monday observed
The next standard business day is Tuesday, 10 November.
25 December 2026, Friday
The next standard business day is Monday, 28 December.
A “next business day” date is not a promise that every transfer or cheque will settle on that day. Cut-off times, bank review, cheque deposit timing, destination-country holidays, currency settlement calendars and product terms can add further processing time.
Bank Holiday Planning Checklist
FAST, GIRO, MEPS+, cheque clearing and telegraphic transfers do not follow the same holiday timetable.
A Thursday instruction before a Friday public holiday may need to meet an earlier same-day cut-off to avoid Monday processing.
Vesak Day, National Day and Deepavali fall on Sundays in 2026, with the following Monday observed as a public holiday.
Do not assume that a mall branch or weekend branch will keep its normal hours on a public holiday.
A Singapore business day does not guarantee that the receiving country’s banks or currency market are open.
Verification Notes
The holiday dates are based on the Ministry of Manpower 2026 public holiday schedule. Banking-hours and five-day clearing context comes from the Association of Banks in Singapore. FAST availability is verified through the ABS FAST page, while MEPS+ system information is published by the Monetary Authority of Singapore.
Branch closures, deposit cut-offs, GIRO deduction schedules, MEPS submission times and overseas-transfer value dates are bank- or billing-organisation-specific. Check the relevant bank or billing organisation before relying on a holiday processing date.
FAQ
Are banks closed on public holidays in Singapore?
Branch counters may close or follow special holiday hours. Check the bank’s official locator or holiday notice before visiting because branch schedules are bank-specific.
Does FAST work on Singapore public holidays?
Yes. ABS states that FAST is available 24/7/365 and is designed for almost immediate SGD transfers between participating institutions.
Does GIRO process on a public holiday?
GIRO follows scheduled and business-day processing rather than FAST-style 24/7 instant settlement. A holiday can affect the debit or clearing date, so check the billing organisation’s schedule.
Are cheques cleared on Singapore public holidays?
Standard cheque clearing is tied to the banking business-day cycle. Public holidays are not normal clearing days, so processing moves to the next applicable business day subject to deposit cut-offs.
What happens when a Singapore public holiday falls on Sunday?
For Vesak Day, National Day and Deepavali in 2026, the following Monday is observed as a public holiday. This means business-day banking processes normally resume on Tuesday.
Is Saturday a bank holiday in Singapore?
No. ABS states that Saturday is not a banking holiday, although banks may choose to close branches. The banking industry uses a five-day clearing week, so cheque and GIRO clearing does not operate like a normal weekday on Saturday.
