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 cells link to the primary regulator or payment authority where we have verified a live source; more jurisdictions are being added.
| 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.