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Zeitwide
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Business days you can prove.

Zeitwide tells you when Fedwire, FedACH, FedNow, T2 and CHAPS are open, cites the official source for every closed day, and warns you when a date changes. For people, for code, and for AI agents.

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Check a date

Payment rail
Date
Is Sunday 1 November 2026 a CHAPS business day?No, closed.Weekend, no settlement. Next business day: Mon 2 Nov.Weekend rule · release 2026.10.29.1
See the full answer and its evidence
The next three weeks on 4 rails, 1 November 2026 to 21 November 2026
  • Open
  • Closed
  • Weekend

Calendars change, often at short notice.

A holiday list in a spreadsheet is right until the day it isn’t. These three were real.

September 2022 · United Kingdom9days’ notice

A bank holiday was added for the Queen’s state funeral on 19 September. The Bank of England closed CHAPS for the day.

December 2018 · United States4days’ notice

A national day of mourning for President Bush on 5 December. Bond markets closed; ISDA still treated it as a New York banking day.

June 2021 · United States1day’s notice

Juneteenth became a federal holiday and was observed the next day. The Fed kept its payment services open, so “federal holiday” didn’t mean “rail closed”.

Every answer shows its work.

We don’t guess and we don’t copy other lists. Each closed day traces back to the operator that decided it.

See the evidence for one date
  1. 01
    We read the official sources every dayThe Federal Reserve, the ECB, the Bank of England and GOV.UK. Each page is saved and fingerprinted, so we can show exactly what it said.
  2. 02
    Two sources agree, then a person checksNothing is published on one source alone. Dates the operator hasn’t published yet are marked “projected”, never passed off as fact.
  3. 03
    You get the answer with a signed receiptKeep it with the payment. Months later, an auditor can check what we said and why, without taking anyone’s word for it.

One set of dates, three ways in.

Payment operations

Know what’s open today on every rail.
CHAPS
Weekend
Fedwire Funds Service
Weekend
T2 (TARGET RTGS)
Weekend
FedNow Service
Open

Alerts by email or webhook when a closure is announced, with the dates and sources attached.

See the Today view

Treasury and payroll

Plan payments so they land on time.
Next closure on Fedwire Funds ServiceWed 11 NovVeterans Day

Closures straight into Outlook, Google Calendar or Apple Calendar, so the whole team sees them.

Try the planner

Engineers and AI agents

Stop hard-coding holiday lists.
GET /v1/calendars/US-FEDWIRE/days/2026-11-11

"open": false
"reason": "Veterans Day"
"release": "2026.10.29.1"

REST API, Python library, MCP server for agents, and signed webhooks when a date changes.

Read the quickstart

What’s changing next.

Live from the same dataset that answers every request.

See all changes
  • Wed 11 Nov 2026
    Fedwire Funds Service closed: Veterans DayCHAPS, T2 (TARGET RTGS), FedNow Service stay open.
  • Thu 26 Nov 2026
    Fedwire Funds Service closed: Thanksgiving DayCHAPS, T2 (TARGET RTGS), FedNow Service stay open.
  • Fri 25 Dec 2026
    CHAPS, Fedwire Funds Service, T2 (TARGET RTGS) closed: Christmas DayFedNow Service stays open.
  • Sat 26 Dec 2026
    T2 (TARGET RTGS) closed: Christmas Holiday (TARGET closing day)FedNow Service stays open.

What we cover today

Payment railsT2 (TARGET RTGS)EU-T2CHAPSGB-CHAPSFedACH ServicesUS-FEDACHFedNow ServiceUS-FEDNOWFedwire Funds ServiceUS-FEDWIRE
Public holidaysGermany: nationwide public holidaysDEEngland and Wales bank holidaysGB-EAWUS federal holidaysUS-FEDERAL

Pricing

Free in the beta.
  • Commercial use of the API included
  • 10,000 calls a day per key
  • Receipts, webhooks and the MCP server
  • 60 days’ notice by email before any paid plan
Get a free API key

Questions

How is this different from a public-holiday list?

A public-holiday list says Whit Monday is a German holiday. It won’t tell you T2 stays open that day, or that FedNow never closes. We answer per payment rail.

What happens if you get a date wrong?

We publish the correction, send a webhook to everyone using that calendar, and log it. Your receipt shows what we said at the time.

Can I use it without the internet?

Yes. The Python library and the local MCP server carry the full dataset. They give the same answers as the API for the same release, without receipts.

Who runs Zeitwide?

An independent team. We aren’t affiliated with the Federal Reserve, the ECB or the Bank of England; we read what they publish and link to it.

Know before the calendar changes.

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Dataset release 2026.10.29.1.