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Is Saturday 1 January 2028 a T2 (TARGET RTGS) business day?

No: Saturday 1 January 2028 is not a T2 (TARGET RTGS) business day, because T2 (TARGET RTGS) is closed for New Year's Day (TARGET closing day), according to European Central Bank; T2 (TARGET RTGS) reopens on Monday 3 January 2028 (Zeitwide release 2026.11.04.1).

28 days of T2 (TARGET RTGS) around Sat 1 Jan 2028

T2 (TARGET RTGS), Sat 25 Dec 2027 to Fri 21 Jan 2028
CalendarSat 25 Dec 2027Sun 26 Dec 2027Mon 27 Dec 2027Tue 28 Dec 2027Wed 29 Dec 2027Thu 30 Dec 2027Fri 31 Dec 2027Sat 1 Jan 2028Sun 2 Jan 2028Mon 3 Jan 2028Tue 4 Jan 2028Wed 5 Jan 2028Thu 6 Jan 2028Fri 7 Jan 2028Sat 8 Jan 2028Sun 9 Jan 2028Mon 10 Jan 2028Tue 11 Jan 2028Wed 12 Jan 2028Thu 13 Jan 2028Fri 14 Jan 2028Sat 15 Jan 2028Sun 16 Jan 2028Mon 17 Jan 2028Tue 18 Jan 2028Wed 19 Jan 2028Thu 20 Jan 2028Fri 21 Jan 2028
T2 (TARGET RTGS)T2 (TARGET RTGS) closed for the weekend and a holiday Sat 25 Dec 2027: Christmas Day (TARGET holiday)T2 (TARGET RTGS) closed for the weekend and a holiday Sun 26 Dec 2027: Boxing Day (TARGET holiday)T2 (TARGET RTGS) open Mon 27 Dec 2027T2 (TARGET RTGS) open Tue 28 Dec 2027T2 (TARGET RTGS) open Wed 29 Dec 2027T2 (TARGET RTGS) open Thu 30 Dec 2027T2 (TARGET RTGS) open Fri 31 Dec 2027T2 (TARGET RTGS) closed for the weekend and a holiday Sat 1 Jan 2028: New Year's Day (TARGET closing day)T2 (TARGET RTGS) closed for the weekend Sun 2 Jan 2028T2 (TARGET RTGS) open Mon 3 Jan 2028T2 (TARGET RTGS) open Tue 4 Jan 2028T2 (TARGET RTGS) open Wed 5 Jan 2028T2 (TARGET RTGS) open Thu 6 Jan 2028T2 (TARGET RTGS) open Fri 7 Jan 2028T2 (TARGET RTGS) closed for the weekend Sat 8 Jan 2028T2 (TARGET RTGS) closed for the weekend Sun 9 Jan 2028T2 (TARGET RTGS) open Mon 10 Jan 2028T2 (TARGET RTGS) open Tue 11 Jan 2028T2 (TARGET RTGS) open Wed 12 Jan 2028T2 (TARGET RTGS) open Thu 13 Jan 2028T2 (TARGET RTGS) open Fri 14 Jan 2028T2 (TARGET RTGS) closed for the weekend Sat 15 Jan 2028T2 (TARGET RTGS) closed for the weekend Sun 16 Jan 2028T2 (TARGET RTGS) open Mon 17 Jan 2028T2 (TARGET RTGS) open Tue 18 Jan 2028T2 (TARGET RTGS) open Wed 19 Jan 2028T2 (TARGET RTGS) open Thu 20 Jan 2028T2 (TARGET RTGS) open Fri 21 Jan 2028
  • Open
  • Closed
  • Weekend
  • Holiday on a weekend

Other calendars on Sat 1 Jan 2028

Saturday 1 January 2028 on 7 other calendars
CalendarStatusWhy
Germany: nationwide public holidays (DE)No dataOutside this calendar's sources
CHAPS (GB-CHAPS)CHAPS closed for the weekend Sat 1 Jan 2028Weekend
England and Wales bank holidays (GB-EAW)England and Wales bank holidays closed for the weekend Sat 1 Jan 2028Weekend
FedACH Services (US-FEDACH)FedACH Services closed for the weekend and a holiday Sat 1 Jan 2028: New Year's DayNew Year's Day
US federal holidays (US-FEDERAL)US federal holidays closed for the weekend Sat 1 Jan 2028Weekend
FedNow Service (US-FEDNOW)FedNow Service open Sat 1 Jan 2028Business day
Fedwire Funds Service (US-FEDWIRE)Fedwire Funds Service closed for the weekend and a holiday Sat 1 Jan 2028: New Year's DayNew Year's Day

Sources

Zeitwide release 2026.11.04.1. Evidence and signed receipt for T2 (TARGET RTGS) on Sat 1 Jan 2028

T2 (TARGET RTGS) revision 13, published .

Cite this answer
Zeitwide (2026). EU-T2 on 2028-01-01. Release 2026.11.04.1. https://zeitwide.com/calendars/EU-T2/2028-01-01

Questions people ask

When does T2 (TARGET RTGS) reopen after Saturday 1 January 2028?

T2 (TARGET RTGS) reopens on Monday 3 January 2028.

Which days is T2 (TARGET RTGS) closed?

T2 (TARGET RTGS) is closed every Saturday and Sunday. It also closes on the holidays published by European Central Bank.

Where does this answer come from?

European Central Bank, last read 3 Nov 2026, 02:47 UTC. The operator published this date. It is in Zeitwide release 2026.11.04.1.

The same answer from the API

curl https://api.zeitwide.com/v1/calendars/EU-T2/days/2028-01-01

{
  "date": "2028-01-01",
  "is_business_day": false,
  "reason": "New Year's Day (TARGET closing day)",
  "dataset_release": "2026.11.04.1"
}

Agents get it from the is_business_day MCP tool. The developer quickstart covers keys, MCP and webhooks