Ecuador bank holidays 2026 and 2027
Ecuador has 18 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: Mon 7 Dec 2026 (Fundacion de Quito (Quito only)), Fri 25 Dec 2026 (Navidad (Christmas Day)), Fri 1 Jan 2027 (Ano Nuevo (New Year's Day)).
Currency: USD · Time zone: America/Guayaquil · Subscribe to this calendar (.ics)
Why this matters for prefunding
When Ecuador 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 |
|---|---|---|---|---|
| Mon 2 Nov 2026 | Dia de los Difuntos (All Souls' Day) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). With Independencia de Cuenca on Tuesday, it gives a four-day break from Saturday 31 October. Monday. |
| Tue 3 Nov 2026 | Independencia de Cuenca | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Tuesday. |
| Fri 20 Nov 2026 | Working day suspended (Decreto Ejecutivo 507) | non-working day | Confirmed | Decreto Ejecutivo 507 of 22 September 2026 suspends the working day nationwide in the public and private sectors, with no make-up hours, for the Loja International Festival of Living Arts. It is not a national holiday, and the decree requires banking services to continue. Friday. |
| Mon 7 Dec 2026 | Fundacion de Quito (Quito only) | public holiday | Confirmed | Local holiday in Quito. 6 December falls on a Sunday, so the rest day moves to Monday 7 December. Monday. |
| Fri 25 Dec 2026 | Navidad (Christmas Day) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Never moved. Friday. |
| Fri 1 Jan 2027 | Ano Nuevo (New Year's Day) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Never moved. Friday. |
| Mon 8 Feb 2027 | Carnaval (Monday) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Monday. |
| Tue 9 Feb 2027 | Carnaval (Tuesday) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Carnival Tuesday is never moved. Tuesday. |
| Fri 26 Mar 2027 | Viernes Santo (Good Friday) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Friday. |
| Fri 30 Apr 2027 | Dia del Trabajo (moved from Saturday 1 May) | observed/substitute day | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Labour Day falls on a Saturday and the rest day moves to the Friday before. Friday. |
| Mon 24 May 2027 | Batalla del Pichincha | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Monday. |
| Mon 26 Jul 2027 | Fundacion de Guayaquil (Guayaquil only) | public holiday | Expected | Local holiday. 25 July 2027 falls on a Sunday, and article 65 of the Labour Code moves a national or local holiday on a Sunday to the following Monday. Monday. |
| Mon 9 Aug 2027 | Primer Grito de Independencia (moved from Tuesday 10 August) | observed/substitute day | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). A Tuesday holiday moves to the Monday before. Monday. |
| Fri 8 Oct 2027 | Independencia de Guayaquil (moved from Saturday 9 October) | observed/substitute day | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Friday. |
| Mon 1 Nov 2027 | Independencia de Cuenca (moved from Wednesday 3 November) | observed/substitute day | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). The calendar sets the rest days for Dia de los Difuntos and Independencia de Cuenca on 1 and 2 November, giving a four-day break from Saturday 30 October. Monday. |
| Tue 2 Nov 2027 | Dia de los Difuntos (All Souls' Day) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Tuesday. |
| Mon 6 Dec 2027 | Fundacion de Quito (Quito only) | public holiday | Confirmed | Local holiday in Quito. 6 December 2027 is a Monday, so no move is needed. Monday. |
| Sat 25 Dec 2027 | Navidad (Christmas Day) | public holiday | Confirmed | On the official 2025 to 2030 national holiday calendar (Ministry of Tourism). Never moved. Falls on a Saturday, a weekend day. |
Expected: the date depends on an annual declaration or moon sighting.
Payment rails and operating hours
| Rail | Operator | Hours | Runs on holidays |
|---|---|---|---|
| SPI (Sistema de Pagos Interbancarios) | Banco Central del Ecuador | Three settlement cuts on business days: Corte 1 (files by 09:00 and 11:00), Corte 2 (by 13:00 and 15:00) and Corte 3 (by 16:45 and 19:00, results by 19:20); Corte 3 settles the same day since 1 April 2024. Banks set earlier customer cut-offs: Banco Guayaquil processes transfers entered after 15:59 on the next working day. | no source |
What to watch
Highest-risk window: early November. In 2026, Monday 2 and Tuesday 3 November join the weekend for a four-day break (31 October to 3 November); in 2027 the rest days are Monday 1 and Tuesday 2 November (30 October to 2 November). Carnival (Monday 8 and Tuesday 9 February 2027) and Good Friday (26 March) are the other long weekends. Article 65 of the Labour Code moves most holidays to a Monday or Friday, but 1 January, 25 December and Carnival Tuesday never move. The government also suspends working days by decree, as for Friday 20 November 2026 (Decreto Ejecutivo 507), while requiring banking services to continue. Local holidays close branches only in that city: Quito on 7 December 2026 and 6 December 2027, Guayaquil on 26 July 2027. For the 9 October 2026 holiday the Superintendencia de Bancos told banks to keep services available through their channels, with minimum staff. The SPI settles in three cuts on business days only, so USD transfers to Ecuadorian accounts ordered on a holiday settle on the next business day.
Other calendars
Sources
- Calendario de feriados nacionales 2025 a 2030 · Ministerio de Turismo del Ecuador
- Codigo del Trabajo (article 65, holidays and transfers) · Ministerio del Trabajo del Ecuador
- Decretos: Decreto Ejecutivo Nro. 507, suspension de la jornada laboral del 20 de noviembre de 2026 · Asobanca
- Suspension de jornada laboral este 20 de noviembre · Gobernacion de la Provincia de Loja
- Feriados de noviembre y diciembre 2026 · Metro Ecuador
- Circular Nro. SB-IG-2026-0026-C: Feriado Nacional del 9 de octubre · Superintendencia de Bancos
- Sistema de Pagos Interbancarios (SPI) · Banco Central del Ecuador
- Circular No. BCE-SGSERV-2024-017-C: cambio de horario del Corte 3 del SPI · Banco Central del Ecuador
- Cuando se procesaran las transferencias a otras instituciones financieras · Banco Guayaquil
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator