Canada bank holidays 2026 and 2027
Canada has 13 bank or public holidays listed here between November 2026 and December 2027. Over the year-end peak (1 December 2026 to 15 January 2027) the dates to plan around are: Fri 25 Dec 2026 (Christmas Day), Mon 28 Dec 2026 (Boxing Day (observed)), Fri 1 Jan 2027 (New Year's Day).
Currency: CAD · Time zone: America/Toronto · Subscribe to this calendar (.ics)
Why this matters for prefunding
When Canada banks or payment rails close, a top-up sent to a local payout partner may not land until the next business day. Remittance demand often rises around the same holidays. Fund the corridor before the closure, sized for the closed days plus your normal top-up lead time. Check your corridor runway.
Holiday calendar
| Date | Holiday | Type | Status | Notes |
|---|---|---|---|---|
| Wed 11 Nov 2026 | Remembrance Day | rail closed | Confirmed | Payments Canada system closure: Lynx and ACSS/AFT closed. Interac e-Transfer remains available. Federal holiday; observance by banks and provinces varies, but Payments Canada systems are closed. |
| Fri 25 Dec 2026 | Christmas Day | bank holiday | Confirmed | Payments Canada system closure: Lynx and ACSS/AFT closed. Interac e-Transfer remains available. |
| Mon 28 Dec 2026 | Boxing Day (observed) | observed/substitute day | Confirmed | Boxing Day is Saturday 26 December; Payments Canada closes systems on Monday 28 December. Payments Canada system closure: Lynx and ACSS/AFT closed. Interac e-Transfer remains available. |
| Fri 1 Jan 2027 | New Year's Day | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. Falls on a Friday. |
| Fri 26 Mar 2027 | Good Friday | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. |
| Mon 24 May 2027 | Victoria Day | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. |
| Thu 1 Jul 2027 | Canada Day | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. Falls on a Thursday. |
| Mon 6 Sep 2027 | Labour Day | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. |
| Thu 30 Sep 2027 | National Day for Truth and Reconciliation | rail closed | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. Falls on a Thursday. |
| Mon 11 Oct 2027 | Thanksgiving | bank holiday | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. |
| Thu 11 Nov 2027 | Remembrance Day | rail closed | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. Falls on a Thursday. |
| Mon 27 Dec 2027 | Christmas Day (observed) | observed/substitute day | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. 25 December 2027 is a Saturday; closure expected Monday 27 December. |
| Tue 28 Dec 2027 | Boxing Day (observed) | observed/substitute day | Expected | Expected, not yet published: Payments Canada currently lists only 2026 closures. Date inferred from federal statutory holidays and the 2026 pattern. 26 December 2027 is a Sunday; closure expected Tuesday 28 December, giving a four-day Lynx and ACSS gap. |
"Expected" means the date depends on an annual declaration or moon sighting and may move. Check the official source before you rely on it.
Payment rails and operating hours
| Rail | Operator | Hours | Runs on holidays |
|---|---|---|---|
| Lynx (high-value payment system) | Payments Canada | Payments processing cycle 00:30 to 19:00 ET on weekdays that are not federal statutory holidays; regular payments in Settlement Window 1 (00:30 to 18:00 ET), interbank lending 18:00 to 18:30, finalization 18:30 to 19:00. | no source |
| ACSS / AFT (retail batch payment system, including Automated Funds Transfer) | Payments Canada | Business days only (Monday to Friday excluding the system closure schedule); net balances settle on the books of the Bank of Canada during the morning of the next business day. | no source |
| Interac e-Transfer | Interac Corp. | 24/7 | yes source |
| Real-Time Rail (RTR) | Payments Canada | Not live as of 26 October 2026. Payments Canada says it is launching in the coming weeks (Q4 2026) and is designed for 24/7/365 operation. | unknown source |
Payments Canada has published 2026 closures only; all 2027 dates are expected and must be checked once the 2027 schedule appears. Provincial holidays (Family Day, Civic Holiday, Saint-Jean-Baptiste and others) can close bank branches without closing Lynx or ACSS. Interac e-Transfer is available on holidays, but interbank settlement of retail items runs through ACSS on business days. The Real-Time Rail was not yet live when checked; update its status after launch.
Other calendars
Sources
- System closure schedule (2026) · Payments Canada
- High-value payment system: Lynx · Payments Canada
- Retail batch payment system (ACSS) · Payments Canada
- Real-Time Rail payment system · Payments Canada
- Real-Time Rail: 24/7/365 design · Payments Canada
- An overview of Lynx, Canada's high-value payment system · Bank of Canada
- Interac e-Transfer 101 · Interac Corp.
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