Payroll Funding Requirements
Look up the advance funding window, local bank-account and IBAN rules, settlement currency, and transfer lead time your EOR or payroll provider applies before each run.
Provider MSAs go further. These are regulatory baselines; individual EOR providers commonly require pre-funding several business days ahead regardless of the statutory position. Confirm the window in your service agreement.
| Country | Settles in | Local account | IBAN | Lead time |
|---|---|---|---|---|
| Selected |
Pre-funding rules come from central-bank regulations, banking-authority guidance, and EOR provider MSA terms. The window shown is the statutory or regulatory minimum — providers often impose longer windows in their agreements. Local-bank-account rules reference central-bank cross-border settlement requirements (some markets require salary to originate from an in-country account); IBAN requirements follow the SEPA scheme and national banking rules; transfer lead times reflect the interbank settlement window under standard conditions.
A multi-day pre-funding window ties up working capital almost a week before employees are paid — and if you fund in one currency and pay in another, the FX conversion must clear before that deadline, pushing the real commitment date earlier still. Where a local account is required, opening one can take four to eight weeks; an EOR removes that by holding the account itself. Build the pre-funding window, FX settlement, and any correction re-run into the liquidity plan, not just the payday.
The cash leaves your account before the employee sees it — sometimes by a working week once pre-funding and FX settlement are stacked. Plan liquidity from the funding deadline backward, not the payday, and treat the provider's MSA window (not the statutory baseline) as the real constraint. A local-account requirement is the other hidden lead time: weeks to open, or zero if your EOR already holds one.